Terrace, a place to live
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Installment sale

We provide instalment sales for you in the form of a consumer loan from Essox s.r.o. The whole process of applying for a loan is very quick and uncomplicated.

Calculation of instalments

To calculate the instalments, place the desired goods in the basket and select the Calculate instalments button in the basket, which is located at the bottom of the basket below the display of the basket contents. After clicking on the button, you will see the installment calculator, select the installment product, the down payment and the length of the installment, the calculator will show you all the necessary data.

Conditions for concluding a contract

  • minimum loan amount is CZK 10,000, maximum CZK 200,000 (or according to the limitations of the instalment product)
  • citizen of the Czech Republic over 18 years of age
  • employee with a stable income (must not be on probation or notice period)
  • entrepreneur - natural person self-employed (must be in business for at least 1 year)
  • pensioner (old-age, disability, retirement)
  • woman/man on maternity leave
  • unemployed, students, women/men receiving any social benefits (except parental allowance)

Required documents

For loans up to CZK 60,000, you only need 2 identity documents and no proof of income!

  • A valid ID card
  • a second identity document: passport, driving licence, firearms licence, birth certificate
For loans from CZK 60,001,- you need an extra
  • Employee - proof of income(download here) (no older than 1 month)
  • Self-employed person - copy of tax return with FÚ stamp and attachments
  • pensioner - copy of pension assessment, bank statement or bank deposit slip showing the amount
  • parent on maternity leave - copy of the maternity benefit assessment
For a loan over CZK 100,001, you need an extra
  • proof of address verification - a copy of your bank statement or telephone, electricity or gas bill, or proof of SIPO.

Repayment capacity insurance

Together with Komerční pojišt'ovna a.s., we offer you an advantageous repayment capacity insurance, where in case of proving an insured event according to the insurance conditions, the loan will be paid by Komerční pojišt'ovna a.s. for you. The insurance is arranged in case of:

  • incapacity for work
  • loss of employment
  • total disability
  • death
The insurance cannot be applied to contracts with interest-free periods or deferred payments.

Installment purchase procedure

  1. Place the selected items in the shopping cart. You can also buy more than one product at a time - don't forget the necessary accessories for the goods you are buying, etc.
  2. Check your order in the basket, you can have the approximate amount of instalments calculated, go to the payment method and select the ESSOX hire purchase option. You can choose the form of transport by shipping service or personal collection in our warehouse.
  3. After submitting your order, you will be asked on the shipping confirmation page to proceed to the online credit application with Essox Ltd. Click on the Essox logo to fill in the required information for the credit application. Finally, submit the application for processing.
  4. Once the application is submitted, you will receive an email confirmation of receipt of your application. You will receive the result of the assessment by email within 15 minutes or the next working day at the latest. Therefore, please take extra care when entering your email.
  5. The application result email contains a link to download the loan agreement and further processing instructions.
Important Note - Goods ordered on hire purchase can only be physically collected by the person applying for the credit, after verification of identity by the carrier on the basis of the ID card or passport presented. It is therefore not possible to authorise another person to take delivery of goods ordered by Essox on instalment basis.
If you need to make any administrative arrangements, an employee of our online shop or Essox will contact you and ask for your cooperation.

Description of hire purchase products

General condition of minimum direct payment (deposit)

Direct payment in %

Max loan amount

0 a 5%

40.000,- CZK

10%

60.000,- CZK

20%

80.000,- CZK

30% and above

200.000,- CZK

1/10
The most used instalment product on the market, easy to understand and simple.
You pay 10% of the sale price when you take delivery of the goods and repay the loan in 10 monthly instalments of 10% of the sale price, increasing to just 10%
Min/max loan amount: 10.000,-/60.000,- CZK
Direct payment: 10%
Number of instalments: 10 monthly instalments of 10% of the purchase price
Maturity of monthly instalments: always on the 15th of the month

Standard 02
Variable instalment product for clients with their own idea of the amount of direct payment and the length of repayment.
0 to 70% will be paid upon receipt of goods and the length of repayment can be chosen between 5 and 45 monthly instalments.
Min/max loan amount: 10.000,-/200.000,- CZK
Direct payment: 0 - 70%
Number of instalments: 5 - 45 monthly instalments
Due date of monthly instalment: always on the 15th of the month

Zero increase e-shop - SALE instalment product
We also offer a convenient loan product where you don't have to worry about the increase because there is none!
Min/max loan amount: 10.000,-/200.000,- CZK
Direct payment: 30 - 60%
Number of instalments: 3 - 6 monthly instalments
Due date of monthly instalment: always on the 15th of the month
0% APR

If you have any questions about any of the instalment products, please contact us. We wish you a pleasant shopping experience on installment plans.