Smart Installments

How It Work?

Place Order

Including items you want to pay in installments

Fill Installments Form

You'll be contacted for further information

Approval

Once approved, your order proceeds normally

New Smart Installment

  • If the customer owns a car, he will have a credit limit of up to 7000 EGP (according to the car classification & model, a maximum of 5 years for the car model), provided that he does not have a sale ban.
  • If the customer has a syndicate card, he will have a credit limit of up to 2000 EGP to be attached with the rest of the required papers.
  • If the customer has (valid) health insurance related to his current workplace, he will have a credit limit of up to 8000 EGP.
  • If the customer has the card of one of the clubs mentioned in the program, he will have a credit limit of up to 11,000 EGP, provided that he is (a working member and not affiliated, children, or honorary membership).
  • If the client is a resident of the prestigious areas mentioned in the program, he will have a credit limit of up to 10,000 EGP (The client must have proof of his residence in these areas, such as (the address of the national ID card + city entry card or a recent utility receipt with the address).
  • If the customer is a resident of Rehab or Madenty city, he will have a credit limit of up to 10,000 EGP (The customer must have proof of his residence in these areas, such as (the address of the national ID card, the club card + the city entry card, or a recent utility receipt with the address).
  • If the customer is a resident of the North Coast Villages Mentioned in the program, he will have a credit limit of up to 10,000 EGP (the client must have proof of his residence in these areas (such as a city entry card or a recent utility receipt with the address).
  • The approval or rejection will be available within 30 minutes not more than that, provided that the client has an I-score of a minimum of 6 months and that one of the following documents is available with the personal ID card (The amounts shown above may increase or decrease based on the customer's credit rating (I-score) by the credit team, and that the maximum limit for one customer will not exceed 20 thousand pounds, and if the customer requests an increase in the credit limit than that, the application will be applied Ordinary installment system.
  • Clients who do not have data on the I-score system are accepted provided that any two of the mentioned documents below are available, bearing in mind that the maximum limit for this category of clients will be only 5,000 EGP.

Doctor Program installments

This program includes all human doctors only and is not allowed (dentists, veterinarians, pharmacists) and all university doctors the client gets an approval within half an hour by submitting the following documents:

  • The original national ID card with the job in it.
  • The syndicate/university card is valid.
  • A car license or an insurance car.
  • A credit inquiry is made for the customer.
  • Credit limit:
    • In case of (I-score): 20000.
    • In the absence of (I-score): 10000.

Smart Installment

The required papers

A copy of the credit card, a copy of the customer’s card, and a receipt of electricity or gas in the name of the customer or a first-degree relative, and he will have a credit limit of up to 8000.

Direct Installment

For the public and private sector:

  • Stamped recent salary statement for the last 3 months indicating the company’s address and telephone numbers.
  • A recent electricity, gas, or water receipt for the last 3 months.
  • A copy of the customer's ID card.

For pensioners:

An insurance print stamped from the insurances, in addition to the electricity or gas receipt, the age of the buyer and the guarantor must not be younger than 21 to 65 years.

For freelancers:

  • Commercial register - tax card - last tax return - tax payment receipt - bank statement for the last 6 months.
  • A recent electricity, gas, or water receipt for the last 3 months.
  • A copy of the customer's ID card.

Note

If the customer lives on a new lease, he must bring an accompanying receipt for one of his first-degree relatives, and insurance print for the guarantor, a driver’s license for the guarantor, or a medical insurance card (Medical) or an inquiry visit to the guarantor + inquiry expenses.

  • The customer is entitled to a credit limit of 35% as a monthly installment of the total net income of the customer.
  • If the client gets more than one income from more than one job and has proof of that, they are considered as income for the client.
  • If the client has investment certificates that bring him a fixed monthly income, they are considered as income besides the rest of the required papers.