Perku 3: pay in three parts at no extra cost
PERKU 3 –
pay at no extra cost
With a 12-month Artea lizingas goods financing agreement, you choose how to pay: in three equal parts over 3 months at no extra cost, or in smaller instalments under the 12-month schedule with interest and other fees.
What is Perku 3?
Perku 3 is an option of a 12-month goods financing agreement with UAB Artea lizingas. If you repay the purchase in three equal monthly parts within the first 3 months, no interest or fees are added. If you do not, the remaining balance is paid under the 12-month schedule with interest and the fees stated in the agreement.
Borrowing money costs. Before taking on financial obligations, carefully assess your personal and family finances.
How does it work?
-
1
Add products to the cart
The financed cart total must be between 100 and 20000 euros.
-
2
Choose Perku 3
At checkout, select Perku 3 as the payment method and continue to the Artea lizingas application.
-
3
Sign the agreement
Confirm your identity with Smart-ID, Mobile-ID or online banking and sign the agreement online — no paper contracts are needed.
-
4
Pay in three parts
Repay the purchase in three equal monthly parts within 3 months — then it costs you nothing extra.
Main conditions
- For adults who are Lithuanian citizens or permanent residents, with at least 4 months of continuous employment and no overdue debts.
- Perku 3 applies to the financed total of the entire cart, not to one selected product.
- There is no extra cost only if the full amount is repaid within 3 months.
- Financing is subject to the creditworthiness and risk assessment of UAB Artea lizingas.
- You may repay the credit earlier in accordance with the agreement and applicable law.
Representative example
For example, financing a 300 euro purchase with Perku 3, you would pay 100 euros in each of the three months, with no extra cost. If you pay under the 12-month schedule instead: annual interest rate 16%, agreement fee 3.5%, monthly administration fee 0.3%, APR 32.84%, total amount payable 348.72 euros, monthly payment 29.06 euros.
Other terms may be offered after Artea lizingas assesses your creditworthiness and risk. The example was checked against the Artea calculator on 26 October 2026.
Frequently asked questions
What if I do not repay within 3 months?
The agreement then continues under the 12-month schedule: interest and fees apply to the remaining balance as stated in the agreement. Payments already made reduce the outstanding balance.
Why is the agreement concluded with Artea lizingas?
Egzotika sells the products, while the consumer credit service is provided by the financial partner UAB Artea lizingas. For this reason, the financing agreement is concluded with Artea lizingas.
Can I return products purchased with Perku 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 Artea lizingas. Read the return conditions.
Where can I see my agreement and payments?
You can find your agreement, payment schedule and current payment amount in the Artea lizingas self-service. Open Artea lizingas self-service.
Questions about financing?
The financing service is provided by UAB Artea lizingas.