How to buy on credit for Aliexpress?

In this article we will talk, how to purchase goods on credit on Aliexpress.

In April 2017, buyers Aliexpressfrom Russia, it became available to the possibility of purchasing goods on credit or installments. Such a service is available only on goods from a special section.   "Tmall". At the moment it also combines "Moll" and "Lightning".

It is because Russians make up the majority of buyers Aliexpressand the platform decided to make it so that the purchase of goods was even more profitable. Let's wonder the main lending nuances on Aliexpress, as well as how to make it.

If you have not yet encountered this platform, we recommend further learning an article "How to buy to Aliexpress?".

How to buy goods on a loan for Aliexpress?

Credit on Aliexpress

To be Aliexpresscheck out the purchase on credit, you need to perform several conditions:

• The goods must be purchased in one of the section for Russian buyers, namely, "Tmall"
• The cost of goods must be within 3-100 thousand rubles
• To pay for goods on credit, the bank must approve the limit

Credit conditions for Aliexpress

It is worth noting that the entire loan process is carried out without the need to visit the bank and only a passport is required for the application. When the application is reviewed by the Bank and approved, then the purchase on the site automatically payAnd you will be provided with a credit limit. What exactly it will be, it will be difficult to say, since the Bank comes to this question individually to each client. To confirm your data and conclude a contract, you need to meet with a representative of the bank. Services are serviced Aliexpress Tinkoff Bank, and since it is remote, then employees usually come to the house.

After the loan is approved and you will sign an agreement with the bank, ordering on Aliexpress immediately goes into the status of paid and with the following purchases within the available limit you will not have to make an additional contract with the bank every time. All purchases will be performed in a moment, and you will return the bank.

How does the aliexpress lending work?

But how do you still get a loan?

• To do this go to the section "Tmall"
• Choose a suitable product and click "Buy now"

Buy now to Aliexpress

• Check out the order settings in detail and click in the package with payment methods. "On credit"

Payment method "on credit" for Aliexpress

• Next, select "Checkout"
• You will find yourself on the page with a special form in which the phone number is specified.

Apply for credit in Tinkoff Bank

• After entering the number, select "Send code"
• write it to a special window and confirm the application
• After  confirmation  data,  with  you  contact  specialist  jar,  which the  and  vick  w.  you  application  on  credit

To you  even  not  necessary  will  preliminary  bring in  fee  per  purchase,  although  would  her  part,  so  how  at  approval,  all  per  you  will do  bank.

How to pay for a loan for goods with Aliexpress?

Credit payment scheme for aliexpress

For any loan, as everyone knows, each month you need to pay. Credit Tinkoff Bank can be paid without a commission in any cabin Euroset, Beeline, Megaphone, connected and MTS. When signing the contract, you will definitely be issued a payment schedule, but if you continue to use a credit limit, then in this case the payment amount and payment date you will come across SMS or email.

In case of issues regarding payment, early repayment, and so on, you can always call the number 8-800-555-08-08 On the hotline of the bank.

Return of goods acquired on an aliexpress loan

Separately, it is worth saying how the product acquired on Aliexpress on credit. In case of cancellation of this order, be attentive to you do not have to pay for what you do not have.

The easiest option is to failure to buy or return before the time of the first loan payment occurs. That is, according to the rules "Tmall" You can refuse the item for two weeks. If you put on this time, you do not need any actions and credit will Automatically canceled.

It is much more difficult to look like a situation if the first payment is already made or you need to return part of the funds from the seller, for example, for the poor-quality goods. In this case, you need to contact the Bank Support Tinkoff And ask the operators what you do.

How to make a credit limit on Aliexpress?

How to make a credit limit on Aliexpress?

Credit registration Aliexpressavailable to everyone, but at the same time you need to fall under some requirements. In particular, the age limit is 20-70 years.

The decision on the provision of a loan and the size of the loan line takes directly the bank. When considering the application, many factors are taken into account and one of them is solvency.

In addition, if you have a bad credit history or you recently received a refusal of Tinkoff Bank, then, most likely, the loan will not approve you.

What if the loan for Aliexpress was not approved?

The bank has the full right to refuse to give you a loan and not even talk causes. Perhaps you are denied because they are a bad credit history or, it is good, and there are a lot of loans. In this situation, try to overlap several loans and try applying again.

Conditions for obtaining a loan for Aliexpress

As we said, on Aliexpress loans provides Tinkoff Bank.

• The interest rate on the product is 29% per annum
• The minimum purchase amount is 3000 rubles, and the maximum - 100 thousand
• Commissioning for up to 2 years
• In some cases, credit insurance may be accrued

Even before the first purchase of goods on credit, carefully examine the contract with the bank. If some questions still remain unresolved, please contact Bank Support.

Is it profitable to buy on Aliexpress on credit?

In general, it is unlikely that a loan can be called profitable, even no matter what kind of bank. There are already someone like. Someone the loan is very convenient in terms of what can be purchased a dear thing, and pay for it with parts, even with percentages. Although, in the case of Aliexpressyou do not need to go anywhere to make a request, everything will happen at the computer. Yes, and in the future you can purchase a profitable product on credit, and then pay for it.

Video: How to buy on Aliexpress on credit? New opportunity on the Chinese shopping area