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Installment plans and instalment purchases from Sovcombank Halva, Ozon Bank, and Yandex Pay Split are installment cards for interest-free purchases. Purchases up to 500,000 rubles can be paid in installments up to 24 months. Purchases in installments at 250,000+ stores with no overpayments. Credit cards from Alfa-Bank, T-Bank, Sberbank, VTB, Gazprombank, and other popular banks. Online loans to your card from Russia's best microfinance organizations! 🎁 Sovcombank Halva Installment Card Sovcombank Halva is the #1 installment card for instalment purchases. Purchases up to 500,000 rubles can be paid in installments up to 24 months without interest. 💳 Ozon Bank Installment Card "Ozon Installment" is a service from the Ozon marketplace that allows you to pay for goods in installments. Buyers receive a personal limit that is restored after making monthly payments or early repayment. This service applies to items marked with the following labels: "0 rubles today," "No overpayments," or "Installments 0-0-6." 💳 Yandex Pay Split Installment Card "Yandex Split" is a service for paying for purchases in installments, integrated with the Yandex Pay payment system. Classic Split involves dividing the amount into equal parts. Payments are processed automatically according to a set schedule. For two-month terms, debits occur every two weeks, and for four- or six-month terms, they occur monthly. 💳 Credit Cards from Major Banks Apply for a credit card online with free service and cashback. The app offers offers from leading Russian banks: • Alfa-Bank — "100 Days Interest-Free" credit card with a grace period of up to 100 days and cashback on all purchases. • T-Bank (Tinkoff) — Tinkoff Platinum credit card with an interest-free period of up to 120 days and home delivery. • Sberbank — SberKart credit card with "Thank You" bonuses and a grace period of up to 120 days. • VTB — credit card with cashback of up to 15% on popular categories. • Gazprombank — credit card with a convenient grace period. • Pochta Bank — credit card for everyday purchases. • MTS Bank — credit card with MTS Cashback points. • Rosbank — credit cards with flexible terms. 💰 Online loans to your card — fast cash without visiting a branch Need money urgently? Apply for an online loan to your card in 5 minutes! Microloans from trusted microfinance organizations licensed by the Central Bank of the Russian Federation. Get your first loan interest-free — get money instantly to your card. The app features the best offers from reliable microfinance organizations: • Zaimer — instant loans to your card, 0% for your first loan. • MigCredit — loans up to ₽100,000, approved in 1 minute. • Webbankir — fast online loans to your card, guaranteed approval. • MoneyMan — microloans up to ₽80,000 with a convenient repayment schedule. • Lime — loans to your card with a high approval rate. • SmartCredit — long-term loans up to ₽70,000. • Kviku — virtual credit card and online loans. • DobroZaim — microloans with instant transfers. • Finmoll — loans and financial services online. 💳 Debit cards with cashback The best debit cards with up to 100% cashback on purchases. Cards with interest on balances, free service, and bonuses. Debit cards from T-Bank, Alfa-Bank, Sberbank, VTB, and other banks — apply online with delivery. 📱 In the app: • Halva installment card from Sovcombank • Goods on installment plan from Ozon Bank • Yandex Pay Split card installment payments • Online loans to your card from microfinance organizations • Interest-free microloans — first loan 0% • Credit cards from Alfa-Bank, T-Bank, Sberbank, and VTB • Debit cards with cashback up to 100% 📊 Example: interest rate from 5.99% (APR) to 30% (APR) per annum, loan terms from 3 months to 15 years. Calculation example: for a 550,000 ruble loan for 3 years at 8% per annum, the total payment will be 644,520 rubles with a monthly payment of 10,320.44 rubles per month (370,335.84 rubles is the interest amount). Penalty for late monthly payments: 0.05%–0.2% of the overdue amount for each day of non-payment. This is not a public offer.