Nova Poshta helps entrepreneurs: the service of goods on credit
08.12.2022 12:51
Logistics company "Nova Poshta" has launched a new service for its customers - payment for parcels with cash on delivery on credit. The user can make a purchase online, order its delivery to the Nova Poshta branch and pay for the order during the year on credit.
Entrepreneurs, thus, received an additional incentive to increase their sales.
What is the service "Parcel on credit" from Nova Poshta?
Parcel on credit is an ordinary online purchase for credit funds, which can be delivered by cash on delivery to any branch of "Nova Poshta" (NP). The minimum order value is 1000 UAH. The service can be used by all adult citizens of Ukraine who order goods by cash on delivery at least once every six months.
The creditor is the company "NovaPay Credit", which is part of the NP holding. The size of the credit limit is set for each client individually and depends on many factors. In particular - on the number and value of cash on delivery orders made in NP for the last 6 months, monthly income, credit history of the client, etc. The user can find out his credit limit at the NP branch or in his mobile application.
How to make a purchase on credit at Nova Poshta?
The procedure for obtaining a loan is not complicated and takes about 5 minutes. To pick up the parcel, the client of Nova Poshta needs to:
- Order goods on the Internet, the amount of which will not exceed the credit limit, and choose cash on delivery to the Nova Poshta branch.
- Come to the branch, inform the operator about the desire to issue a parcel on credit.
- Provide him with passport data and TIN, sign the contract and pick up the goods.
You need to pay the loan in equal installments within 12 months.
Credit conditions
- Amount - from 1 000 to 20 000 UAH
- Term - 12 months
- Rate - 0.00001% per annum
- Commission - 2% per month
Example of purchase on credit from Nova Poshta
You want to buy a smartphone for 10 000 UAH. Before buying, you should find out the credit limit at Nova Poshta or in your mobile application. The calculation is as follows:
cost of cash on delivery (city delivery, box, money transfer fee) - UAH 135
+ total amount for loan servicing (loan servicing fee - 2% per month of the purchase amount - UAH 200 + cost of the loan "body" for 1 month - UAH 833.33 for 12 months) = UAH 12,535. The amount of overpayment is UAH 2,396.
Thus, people can not postpone the purchase of the desired item for later, but have the opportunity to get it right now at the nearest Nova Poshta branch. The "Parcel on credit" service is easy to use and does not require a lot of documents compared to banks, which means it opens up many opportunities for both consumers and businesses.
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