Borrowing money also costs money.
Financing options⁽¹⁾⁽²⁾
Do you want to buy a product or replace an essential device, but would prefer to repay in monthly installments(3)? You have two financing options:
1. Mastercard HiFi international(1)
You have the option to repay your purchases at HiFi international in several monthly installments(3).
You can also:
Pay for your purchases at HiFi international(4),
Make secure online purchases both in Luxembourg and abroad(4),
Withdraw cash from any ATM displaying the Mastercard logo(4),
Request a transfer from your Mastercard HiFi international to your bank account(4)(5),
Benefit from a credit line of up to EUR 5,000.00(1).
Additional information about the Mastercard HiFi international
Purchases made on Hifi.lu or in our stores via the financing stand can be financed at a debit rate of 10.84% with fixed monthly repayments(1)(4). This is a promotional debit rate, valid during specific periods, and will be automatically applied online via the HIFI international website. Moreover, this promotional interest rate is activated in-store by an employee at the financing stand. Outside of these periods and outside HiFi international’s stores, your purchases will be financed at the contractual APR(1).
You do not have to pay an annual fee, but interest and card charges will be applied once your credit line is used.
After your credit application is approved, you will receive emails from Buy Way and HiFi international summarizing all the benefits linked to your Mastercard.
2. Installment sale⁽²⁾
Payment by monthly instalments is also available in stores in the form of instalment sales.
Instalment sales are only available in HiFi international's physical stores and not on the website.
How do installment sales work?
You can pay off your HiFi international purchases in several fixed monthly installments.
You know in advance the amount of your monthly instalments, the duration and the total cost of the credit.
Visit the financing booth in your HiFi international store for more information.
Go to the financing booth and tell them you'd like to apply for an installment sale.
A member of staff at the financing stand will take care of encoding the request.
(1)(2) Subject to approval by BUY WAY PERSONAL FINANCE SA , lender (BCE 0400 282 277 – RPM Brussels – FSMA 019542a - IBAN BE03 3101 2966 9484 - Boulevard Baudouin 29 bte 2 – 1000 Brussels) and HIFI INTERNATIONAL SA , credit intermediary acting as exclusive agent (RCS B13377 - IBAN LU 86 0030 5353 4556 4000 - 2 Rue Läiteschbaach, L-5324 Contern).
(1) Representative example: REVOLVING CREDIT of EUR 1,500.00 at an ANNUAL PERCENTAGE RATE (APR) of 20% including 0.20% monthly card fee based on the borrowed capital (variable borrowing rate 17.20%).
This credit includes an option only valid from 28/05/2025 to 31/12/2025 in the stores of HIFI INTERNATIONAL SA at a borrowing rate of 10.84% and repayable in fixed monthly installments. Subject to additional contractual fees and interest.
(2) Representative example: For an INSTALMENT SALE of EUR 1,500.00 at an APR of 13.50% (= fixed borrowing rate), valid from 28/05/2025 to 31/12/2025, you pay 10 monthly installments of 158.89 EUR , for a total amount of 1,588.90 EUR. The cash price is EUR 1,500.00.
(3) Subject to compliance with the contractual minimum monthly payment.
(4) Subject to proper processing of your file and sufficient available credit.
(5) The funds will be available in your account within 2 business days following your request. Subject to approval by Buy Way Personal Finance SA.
Advertiser: HIFI INTERNATIONAL SA
SUPERVISORY AUTHORITIES: FPS Economy – Directorate General Economic Inspection – NG III – Boulevard Albert II 16 (3rd floor), 1000 Brussels / Financial Services and Markets Authority (FSMA) – Rue du Congrès 12-14, 1000 Brussels.
Updated on June 12, 2025