How to please loved ones during the holidays and save the budget using the deferred payment service "Shares"

How the Shares service works

«Shares” is a service that allows you to buy on the Internet according to the principle “Buy now pay later” (“Buy now, pay later”). Under this system, payment for goods in partner stores is divided into four equal parts without interest and commissions. On the day of purchase, you need to pay only 25% of the value of the gift. The remaining three payments will be debited from the card once every two weeks. You can pay for goods with a card of any bank, as well as Google Pay or Apple Pay.

For what cases is the service "Shares" suitable?

Shared payments are suitable for clothing, cosmetics, household items, children's toys, and other small purchases that are not usually covered by installments or credit. Now you don't have to save up for them - just what you need before the holidays! Just choose gifts and you have six weeks to deposit money for purchases.

"Shares" can pay in Timberland, Sneakerhead, Children's World, Puma, Tom Tailor and other partner stores - there are more than a hundred of them. For example, in Rive Gauche until the end of February there are discounts of up to 50% on perfumes and cosmetics. You can buy eau de parfum or concentrated perfume as a gift - there are fragrances for men and women. And Crocs for Valentine's Day invites you to please your partner with clogs from the limited Sweethearts® x Crocs collection. The model has a bright red sole and is decorated with multi-colored hearts.

You can choose something more significant. For example, show your loved ones that you care about their health and buy them anatomical pillows at the Sleep Academy. A gourmet will surely be pleased with a coffee maker or a wine cabinet from Kitchenmania, and an athlete will be pleased with a press machine or a speed rope from Progressive Fitness. You can also give an educational course - at least for making cakes at the Pauline School, at least for investing in Profinansy.

How "Shares" differs from a loan and installments

Image: StockStyle / Hoowy / Evgenia Vasileva / Shutterstock / Olya Revenkova / Lifehacker

WITH "Shares» You can pay for your purchase as quickly as using a regular plastic card. No need to apply to the bank for a loan or installment card. You do not have to provide an extract from the work book and a certificate of income. All you need is:

• Go to the Tinkoff partner's online store and add the items you like to the cart. The full list is at site Tinkoff.
• Find among the payment methods "Shares". When placing an order, enter your phone number and card details.
• Pay 25% of the purchase amount. The next three payments will be debited automatically every two weeks. If there is not enough money on the card, you will receive a message that you need to replenish your account. You can pay the balance of the amount ahead of schedule - in the application "Shares" for Android and iOS. There is also a payment schedule available.

Service "Shares» is free for customers, because Tinkoff takes a commission from sellers. Interest and commissions are not charged for purchases, and information about them will not be reflected in the credit history.

c"Shares» you can buy things you have long dreamed of without waiting for a paycheck. Just choose what you like and delight your loved ones and friends all year round.