Moki 3: pay in three instalments
What is Moki 3?
Moki 3 is an Inbank discount linked to a 24-month consumer credit agreement. If you repay the financed amount during the first three months and make every payment on time, interest and agreement fees are not applied during the discount period. If a payment is late or the full amount is not repaid by the end of that period, the discount is lost and the remaining balance is paid under the 24-month schedule with interest and fees.
Financing is one of several available payment methods. Before choosing it, assess whether the planned payments fit your budget.
How does it work?
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1
Add products to the cart
The financed cart total must be between 100 and 10000 euros.
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2
Choose Moki 3
At checkout, select Moki 3 as the payment method and continue to the Inbank application.
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3
Sign the agreement
Confirm your identity, provide the requested information and sign the Inbank agreement electronically.
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4
Make all three payments on time
Pay according to the dates and amounts stated in the agreement. The last payment may differ by one cent because of rounding.
Main conditions
- The service is intended for adults and is subject to Inbank creditworthiness and risk assessment.
- Moki 3 applies to the financed total of the entire cart, not to one selected product.
- The three-payment discount remains valid only when every required payment is made on time.
- The monthly payment cannot be lower than the payment stated in the 24-month schedule.
- You may repay the credit earlier in accordance with the agreement and applicable law.
Representative example
For example, borrowing 169 euros under a 24-month agreement, with Moki 3 you would pay approximately 56.33 euros during each of the first three months. If the full amount is not repaid by the end of the discount period, the discount is lost and the 24-month schedule applies: annual interest rate 17.9%, agreement fee 0%, monthly administration fee 0.4%, APR 21.77%, total amount payable 208.24 euros, monthly payment 8.68 euros.
Other terms may be offered after Inbank assesses your creditworthiness and risk, or if another payment date is selected. The example was checked against the partner calculation on 13 August 2026.
Frequently asked questions
What happens if I miss a payment?
You lose the Moki 3 discount and the remaining balance is paid under the 24-month schedule with interest and fees. Payments already made reduce the outstanding balance in accordance with the agreement.
Why is the agreement concluded with Inbank?
Egzotika sells the products, while the consumer credit service is provided by the financial partner AS Inbank filialas. For this reason, the financing agreement is concluded with Inbank.
Can I return products purchased with Moki 3?
The usual product return rules apply. After a return is accepted, the financing is adjusted according to the agreement and the information provided by Inbank. Read the return conditions.
Where can I see my agreement and payments?
You can find your agreement, payment schedule and current payment amount in Inbank self-service. Open Inbank self-service.
Questions about financing?
The financing service is provided by AS Inbank filialas.