Instalments and credit
There are two ways: interest-free instalments with the partner bank’s «Hissə» card, or store credit for those without the card. You choose either at checkout on the site.
Work out the monthly payment
«Hissə» card, 0%
- 3 months₼500 a month
- 6 months₼250 a month
- 12 months₼125 a month
Store credit
- 6 months0% a year₼250 a month₼1,500 in all
- 12 months16% a year₼136.10 a month₼1,633.20 in all
- 18 months19% a year₼96.43 a month₼1,735.74 in all
- 24 months22% a year₼77.82 a month₼1,867.68 in all
The «Hissə» instalment card
The card is issued by the partner bank: at the instalment desk in any of our stores, with your ID card, in 15 minutes. The bank sets the card’s limit.
You split a purchase over 3, 6 or 12 months with no interest and no fee: the monthly payment is the price divided by the months. Instalments start from ₼100.
If you already have the card, choose «Hissə» at checkout and enter the card details; the bank confirms with an SMS code.
Store credit
The credit comes from a partner credit organisation; we take the application and pass it on. From ₼150 to ₼8,000, over 6 to 24 months, without a guarantor.
All you need is your ID card’s FIN code and your monthly income. The preliminary decision comes in a few minutes after the credit bureau check; if the monthly payment is no more than 45% of your income, it is approved.
You sign the contract with SİMA and pay any down payment by card. The only cost is the annual rate; there are no fees.
Credit rates
| Term | Annual rate | Monthly for ₼1,000 |
|---|---|---|
| 6 months | 0% | ₼166.67 |
| 12 months | 16% | ₼90.74 |
| 18 months | 19% | ₼64.29 |
| 24 months | 22% | ₼51.88 |
The remote-loan block
Under the Central Bank’s rule in force from 1 October 2026, anyone can block remote consumer loans and credit-limit increases in their name with a written application. The block goes into the credit bureau, and every lender checks it before lending remotely.
A store credit application on this site is a remote loan. If the credit bureau shows a block in your name, we accept the application, but the contract is signed only at a store with your ID card, not with SİMA. To lift the block you apply in person to a bank or credit organisation.
The block does not affect instalments within the existing limit of the «Hissə» card: that is not a new loan. Raising the limit remotely is not possible while the block is on.
Checked on 11 October 2026.
Questions
Does buying in instalments cost more?
Not with the «Hissə» card: the monthly payment is the price divided by the months. Store credit has an annual rate, shown for each term in the table.
Can I return a product bought on credit?
Yes, under the same 14-day rule. When the product comes back the credit organisation closes the contract and refunds what you paid.
Can one credit cover several products?
Yes, the credit covers the whole cart. If it comes to more than ₼8,000, pay part by card or as a down payment.
Can I repay the credit early?
Yes, at no charge: you pay the remaining principal and no interest is charged for the months after.