With Installments Anywhere you have the option to choose how you pay
Rate Oriunde is celebrating its 10th anniversary this year. The program was based on a simple idea: when you make a larger expense, it’s good to have options and be able to decide how it fits best into your budget.
You can pay in full or split the payment into installments. The choice is yours, depending on what makes sense for you at that moment.
And because 10 years deserve to be celebrated, In October we are preparing an anniversary offer for BT Direct clients. If you already have a Direct Card, check out the offer, you won’t regret it. If you don’t have one yet, you can find out how to get it and what benefits you get.
Wondering how Rate Anywhere works? It’s simpler than you think.
The name leaves little room for interpretation. With the Direct Card, you can turn any payment of at least 500 lei, made in physical stores or online, domestically or abroad, into installments.
And the interesting part is that you don’t have to choose the installments before paying.
First you buy, then you decide how to pay.
There are only three steps:
- You buy the product: pay at least 500 lei in full with a BT Direct credit card
- You will receive the options by SMS: BT Direct sends you options to turn the transaction into installments
- You choose: you have 3 days from receiving the SMS to reply with your chosen option
What payment options do you have?
Depending on how you want to organize your budget, you can choose:
- 3 installments without interest, for eligible purchases of at least 500 lei;
- between 4 and 36 installments, with an interest rate of 1.25% per month, if you need to spread the amount over a longer period.
It is important to choose the option that suits your budget and to consider the interest cost when opting for 4 to 36 installments.
Why can Rate Anywhere be useful?
Not because it makes you buy more, but because it offers you an extra option for an expense you have already decided to make.
It can be useful when you want to:
- the flexibility to buy what you need, when you need it
- the option to decide later if you want to pay in installments
- interest-free installment option
- simple process, done via SMS
- more control over the monthly budget
Frequently Asked Questions
1. Can I pay for any purchase in installments?
You can split eligible purchases of at least 500 lei, paid in full with your BT Direct card, into installments, whether in physical stores or online, in Romania or abroad. You don’t have to shop exclusively at BT Direct partner stores to use Rate Anywhere.
2. How do I activate installment payments?
After you make the payment, you will receive an SMS with the available options. Reply to the message within 3 days, following the instructions, and choose the option that suits you: 3 interest-free installments or between 4 and 36 installments with 1.25% monthly interest.
3. Do I have to choose installment payments?
No. You decide whether you want to split the purchase into installments or keep the full payment. If you do not reply to the SMS within the communicated deadline, the transaction remains a full payment and the card’s usual terms apply.
