Alior Raty

What you will find on this page:

What are the instalment options?

How do I use Alior Rat?

Who can benefit?

What if the application is rejected?

How does returning goods work?

Alior Raty is a possibility to pay for your purchases in instalments - without the need to visit the bank. You can spread the payment into convenient monthly instalments and pay for your order over a longer period of time. The whole process takes place online.

Z tej opcji skorzystasz, jeśli Twoje zakupy mają wartość od 50 PLN do 25 000 PLN.

What are the instalment options?

Depending on the offer, you can choose:

raty 0%- payment spread over 10 or 20 instalments, at no extra cost (the cost is covered by the shop)
raty 1% miesięcznie- from 3 to 48 instalments (cost to be added to the instalment, to be paid by the customer)

How do I use Alior Rat?

Select products in the online shop.
During payment, select the option Alior Raty.
You will be redirected to the Alior Bank website.
Fill in the form customising the loan to your needs, and then complete all the required fields with personal (e.g. first name, surname, PESEL, identity card number, home address) and financial (e.g. place of work, type of employment contract and its duration, monthly financial obligations) data.
Wait for the bank's decision (usually takes up to 15 minutes).
Potwierdź umowę i wykonaj przelew weryfikacyjny na 1 PLN (jeśli będzie wymagany).
Done - the bank will pay for your purchases and you pay them back in instalments.

💡Ważne: Przed skorzystaniem, upewnij się, że Twój PESEL nie jest zastrzeżony.

Who can benefit?

In order to obtain a loan, you must:

be over 18 years of age
be a citizen of Poland and have their address in Poland
have a valid identity card
have an individual bank account and telephone number
obtain a positive creditworthiness assessment

Various sources of income are accepted, including: employment contract, business activity, pension, civil law contracts, management contracts.

What if the application is rejected?

Decisions on the granting of instalments are made individually by Alior Bank. If your application is rejected, you will be informed on screen or by email. You can then return to the shop and choose another payment method.

How does returning goods work?

Jeśli zwrócisz towar, musisz skontaktować się ze sklepem, który zajmuje się rozliczeniem rat. Zwrotów nie obsługuje system Autopay.

Jeśli masz pytania dotyczące oferty ratalnej lub przebiegu procesu, skontaktuj się z Alior Bank.