New 3x 4x Web Terms and Conditions

Terms and conditions effective as of November 13, 2024, subject to revision. For more information, please visit oney.fr.

Pay for your order in 3 or 4 installments via bank card for purchases ranging from €100 to €3,000 with Oney Bank.

Our partner, Oney Bank, offers a financing solution called "3x 4x Oney," which allows you to pay for purchases ranging from €100 to €3,000 in 3 or 4 installments using your bank card.

Conditions:

This offer is reserved for private individuals (adults) residing in France who hold a Visa or MasterCard bank card with an expiration date extending beyond the duration of the chosen financing plan.

Cards requiring systematic authorization—specifically those of the Electron, Maestro, Nickel, etc., types—as well as e-cards, Indigo cards, and American Express cards are not accepted.

Subscription Process:

Once you have finalized your order, simply click on the "Pay in 3x 4x Oney by bank card" button.
You will then be redirected to our partner's "3x 4x Oney" webpage, which displays a detailed summary of your order and your personalized financing application; you must then validate this application.

You will be prompted to enter your personal information; alternatively, if you already hold a "3x 4x Oney" account, you may log in using the credentials associated with that account.
You must review the General Terms and Conditions for Installment Payments to which you wish to subscribe; these are provided in PDF format, allowing you to read, print, and save them before proceeding to accept them.

Finally, you must electronically confirm your acceptance by checking the corresponding box. You acknowledge that the "double click" associated with the checkbox confirming your review of the General Terms and Conditions constitutes consent to enter into a contract and represents an irrevocable and unconditional acceptance of the product's General Terms and Conditions.

Absent proof to the contrary, the data recorded by Oney Bank shall constitute proof of all transactions conducted between you and Oney Bank.
If you request to utilize a financing solution offered by Oney Bank, information regarding your order will be transmitted to Oney Bank, which will use such information to assess your application for the purposes of granting, managing, and recovering the credit.
Oney Bank reserves the right to accept or reject your application for "3x 4x Oney" financing.
You have a 14-day cooling-off period during which you may withdraw from the credit agreement.

How it Works:

Payment in 3 or 4 installments via bank card allows you to settle an order placed on our merchant website in the following manner:

A mandatory initial payment, debited on the day your order shipment is confirmed;
Two or three subsequent monthly installments—each corresponding to one-third or one-quarter of the total order amount—debited 30 and 60 days later for the 3-installment option, and 30, 60, and 90 days later for the 4-installment option. These installments include fees calculated as follows:
1.67% of the total order amount for the 3-installment option (capped at a maximum of €30);
2.50% for the 4-installment option (capped at a maximum of €60);
• Payment in 3 installments is available for purchases ranging from €100 up to €3,000.

Example: For a purchase of €150, an initial payment of €52.51 is required, followed by two monthly installments of €50 each.
Credit term: 2 months, with a fixed APR of 22.59%. Financing cost: €2.51, capped at a maximum of €30.

• 4-installment payment plan available for purchases ranging from €100 to €3,000.

Example for a €400 purchase paid in 4 installments: an initial payment of €110, followed by 3 monthly installments of €100.
3-month credit facility with a fixed APR of 22.63%.
Financing cost: €10, capped at a maximum of €60.

Special conditions for occasional promotional offers:
3-installment payment plan (interest-free):
The financing cost is 0% of the total order amount.
Example: for a €150 purchase, an initial payment of €50, followed by 2 monthly installments of €50.
2-month credit facility with a fixed APR of 0%.
Financing cost: €0.
4-installment payment plan (interest-free):
The financing cost is 0% of the total order amount.