TBI Bank – online lending solutions

Discover TBI Bank’s financing solutions: tailored to your customers’ needs and easy to integrate into your business, without additional costs or developments.

Financing/credit options from TBI Bank

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Buy Now Pay Later – Slice

· 4 equal installments with 0% interest
· 100% online, no visits to the bank
· Purchases up to 2,000 lei

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Fixed rates up to 5 years

· Installment plans of up to 60 fixed payments
· 100% online, no visits to the bank
· Purchases of up to 30,000 lei

Benefits:

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20–30% increase in conversions

Offering installment payment options lowers the price barrier and leads to a higher order completion rate. In some verticals (IT&C, home appliances, furniture), the increase can even exceed 35%.

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Average basket value increases by 40–60%

Customers tend to buy premium models or add extra products when they can split the cost into fixed installments. Retailers often report a significant increase in AOV thanks to this option.

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Access to a 25–35% wider audience

The segment of buyers who would not have purchased without financing options becomes available. Especially for medium- and high-priced products (over RON 1,000–1,500), payment in installments makes the difference.

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Increase retention and purchase frequency by 15–20%

Payment flexibility increases trust and loyalty—customers return to e-shops where they have already found affordable solutions, and post-purchase satisfaction is higher.

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Full and immediate payment for the merchant, zero risk of non-payment

The bank transfers the total amount to the online store’s account, so the merchant doesn’t have any risk of delays or non-payment of installments. Basically, cash flow remains healthy, but customers benefit from flexibility.

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