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Вопросы и ответы

Основной контент

    • How can I get an installment?

      Main requirements to a client:

      • Russian citizenship
      • Registration at the place of permanent residence on all territory of the Russian Federation(resident registration)
      • Work experience at the last job place not less than 3 months (the paragraph is not mandatory for pensioners)
      • You can get an installment in the chain stores “Westfalika”, Emilia Estra, Lisette, Rossita, “Peshekhod“.

      The installment contract is getting signed provided signed contract of sale of good with an installment between a client and OOO «OR»

      * An installment is available only at the address: g. Omsk, ul. Bulvarov Arhitektorov, 35.

    • The installment limit is not available, what should I do?

      You should make payments according to your payment schedule. After making the last payment your limits will get refreshed. To get know your available limits you can contact us via chat or via hot-line numbers: 8(800)555-25-52, 8(800)250-22-55 (from 08.00 till 22.00 Novosibirsk time).

      * An installment is available only at the address: g. Omsk, ul. Bulvarov Arhitektorov, 35.

    • How to make payments for the installment?

      You can make payments for your installment contract with those ways:

      • personal account
      • via all PJSC Sberbank channels (Sberbank terminals, Sberbank-online app) using the barcode located on the contract, as well as using the two-dimensional barcode located on the payment schedule – no commission is charged
      • In the chain stores “Westfalika”, Emilia Estra, Lisette, Rossita, “Peshekhod”Bank details for payments to OOO “OR”:
        VTB Bank (public joint-stock company) «Central» branch in Moscow.
        Account (Acc.): 40702810416030000686
        Russian Central Bank Identification Code (RCBIC) 044525411
        Correspondent account (Corr. acc.): 40702810416030000686
    • Where can I check the information about my signed contracts?

      Information about your contracts is located in your personal account. The tab «My contracts». For log in to your personal account enter your phone number which was used for signing the installment contract.

    • How can I get a loan?

      Main requirements to a client:

      • Russian citizenship
      • Registration at the place of permanent residence on all territory of the Russian Federation(resident registration)
      • Work experience at the last job place not less than 3 months (for pensioners this paragraph is not necessary)

      You can get a consumer loan distantly in your personal account, via hot-line numbers 8(800)555-25-52, 8(800)250-22-55 or via lending points located in the chain of stores “Westfalika”, Emilia Estra, Lisette, Rossita, “Peshekhod”

    • The consumer loan limit is not available, what should I do?

      You should make payments according to your payment schedule. After making the last payment your limits can get refreshed. You can get know your available limits in your personal account in «Installment. Consumer loan» tab as well as contact us via hot-line numbers: 8(800)555-25-52, 8(800)250-22-55 (from 08.00 till 22.00 Novosibirsk time).

      How to make payments for the consumer loan?

    • How to make payments for the consumer loan?

      You can make payments for your consumer loan contract with those ways:

      • personal account
      • via all PJSC Sberbank channels (Sberbank terminals, Sberbank-online app) using the barcode located on the contract, as well as using the two-dimensional barcode located on the payment schedule – no commission is charged
      • In the chain of stores “Westfalika”, Emilia Estra, Lisette, Rossita, “Peshekhod”
      • in any bank by transfering money using requisites indicated in the contract – commission is might be required, get information from the bank specialists
    • Where can I check the information about my signed contracts?

      Information about your contracts is located in your personal account. The tab «Installment. Consumer loan». For log in to your personal account enter your phone number which was used for signing the installment contract.

    • What is «DELI na chasti» service?

      “DELI na chastiservice is a new service from Arifmetika, which allows you to purchase the necessary goods in the partner stores without much burden on the family budget. We offer to try a flexible payment tool with which you can renew some clothes for all your family members at once, buy gifts for holidays for your dear friends and solve other everyday tasks. Now you don’t have to wait for a payday and put off the necessary purchases until later. “DELI na chastiservice works on you and for you already today.

      «DELI na chasti» service provided by OOO MKK «Arifmetika» by concluding a consumer loan agreement for getting goods in partner stores. Consumer loan amount: from 1000 rub. up to 50 000 rub. (depending on the individual limit of the Client). Annual interest rate – from 29.2% (percent) to 36.5% (percent) per annum. Consumer loan term: from 1 to 12 months.

    • What’s the limit?

      This is an amount of money that you can spend on purchases with «DELI na chasti» service. Within this amount, you can make an unlimited number of purchases. The limit can be increased simply by buying more often with the “DELI na chasti” service.

    • How to get know the amount of my limit?

      You can check your limit:

      • in your personal account
      • via hot-line numbers 8(800)555-25-52, 8(800)250-22-55 (from 08.00 till 22.00 Novosibirsk time).
      • messaging us in the chat or in messengers
    • How to use «DELI na chasti» service?

      For now you can use «DELI na chasti» service only in the chain of stores “Westfalika”, Emilia Estra, Lisette, Rossita, “Peshekhod”.

      1. Choose necessary goods in the chain of stores “Westfalika”, Emilia Estra, Lisette, Rossita, “Peshekhod” around Russia.

      2. Say to the store employee that you want to pay for your purchase with «DELI na chasti» service.

      3. Choose the comfortable term of payments from 1 to 12 months.

      4. Sign the contract in 10 minutes

      5. Get the chosen goods immediately

    • What are the requirements to a client?

      • valid passport of a citizen of the Russian Federation.
      • permanent residence registration on the territory of the Russian Federation.
      • permanent source of income (salary / pension).
      • work experience at the last place – not less than 3 (three) months (the paragraph is not mandatory for pensioners).
      • a mobile phone.
    • I can’t login my personal account

      Check if you entered the correct phone number. Refresh the login page, if you login via a computer press the “Ctrl + F5” combination on the keyboard.

      If you do not receive an SMS with a code, please call the hotline 8 (800) 555-25-52, 8 (800) 250-22-55 (from 08:00 to 22:00 Novosibirsk time).

    • What should I do if an information in my personal account is showing up incorrectly?

      Call us on the hotline numbers 8 (800) 555-25-52, 8 (800) 250-22-55 (from 08:00 to 22:00 Novosibirsk time).

    • What should I do if I can’t select the address of registration?

      When providing an address, you should enter the entire address completely and be sure to provide the locality, street, house, apartment (if any), and then select the address from the drop-down list. In this case, the locality, house and street are required fields – if you do not specify them, the field will be highlighted in red.
      If your address is not in the drop-down list, then you need to send us your address in the chat, attach a screenshot of the error, as well as provide the phone model and the version of the operating system. We will try to help you.

    • How to change my passport information or phone number?

      Unfortunately, it’s forbidden to change personal information in a personal account. You need to message us in the chat or go to the lending point located in the chain of stores “Westfalika”, Emilia Estra, Lisette, Rossita, “Peshekhod”. We will try to help you

    • Why the payment doesn’t show up if I made a payment?

      The payment loading can take some time. For checking the information message us in the chat or call us via the hotline numbers 8 (800) 555-25-52, 8 (800) 250-22-55 (from 08:00 to 22:00 Novosibirsk time).

    • Can’t upload the photo, what should I do?

      Currently the file uploading with a file size more than 1,5 Mb is unavailable. You should less the file size by any available service on the internet.

      If the file size matches, but still you can’t upload the photo, so you should restart your app and login your personal account again.

      If you use browser, you should use Google or Yandex browsers, cleaned the cache beforehand (for this you should go to the Settings – History – Clear the browser history)

      Attention! If you login personal account via several devices at the same time, so you can face errors.

    • Can’t see my statement and payments schedule in my personal account, why?

      You should make a screenshot of the error and send us in the chat to find out the reason of the error.

    • Before I could get a consumer loan via personal account, why I can’t get it now?

      If you have available limits, but after calculations in the calculator the button «Get a loan» doesn’t appear, so it means that currently there are set some technical limitations for getting the loan via personal account. You can get a loan in a lending point located in the chain of stores “Westfalika”, Emilia Estra, Lisette, Rossita, “Peshekhod”

    • I’ve got issues with making a payment in my personal account. Before my payments were without errors, why I can’t make a payment now?

      If a new payment attempt is not successful with a previously specified bank card, then in this case it is necessary to make a payment with another bank card.

    • Why I don’t receive a SMS-code?

      For this question you should contact your mobile operator or message us in the chat for checking the information.

    • Have no opportunity to make a payment, what should I do?

      Try to make payments according to your payment schedule. But if you’ve got financial difficulties, you can use one of our services beforehand:

      «Skip the payment» – moving payments’ due days one month ahead as long as interest of the payment was paid completely.

      «Decrease the payment» – the term of using a consumer loan is getting increased, thereby the amount of monthly payments is getting decreased. It’s enough to pay out the accured interest so then the term of the contract will get extended for the maximum period (get determined for each contract by the system), payments under the contract will be decreased and also the planned payment will be moved one month ahead from the current date.

      You can get know more about the services at the lending points located in the stores Westfalika, Rossita, Lisette, Emilia Estra, «Peshekhod» or on the hotline 8-800-555-25-52, 8-800-250-22-55.

    • Can I opt out of the insurance?

      It is possible to opt out of the insurance service within fourteen calendar days from the date of giving consent to the provision of the service, in accordance with Art. 7 of the Law No. 353-FZ. Early termination of the Insurance policy is made on the basis of a written application of the Insured with a copy of this Policy attached to it.

    • Where can I find the address and office hours of the stores?

      You can find addresses and office hours of the lending points here.