The digit after Klix Free corresponds to the number of months as stated in the loan agreement for which you are able to repay the loan without paying interest or commission fees. If you would like to pay the Klix loan without any additional fees, you can calculate the needed monthly payment by dividing the total cost of the purchase (initial loan amount) by the respective Klix Free digit: 3, 6 or 12. You can also find the indicative repayment schedule for repaying your loan interest free at the end of your loan agreement. Buyers can also pay a different amount no smaller than the set monthly fee to still repay within the interest-free period.
To repay your Klix loan without any additional fees, the full loan amount must be on your loan repayment account before the date on which the interest calculation starts. You can find the start date of the interest calculation date in your loan agreement, which was sent to your e-mail address after signing the agreement or by checking the last monthly payment date when interest is not applied in your loan repayment schedule on the Citadele web page "My applications".
Klix Free 3 example:
The loan amount is 300 EUR. When the loan is repaid in full within three months of taking out the loan, the loan interest rate is 0%, the APR is 0%, and the total amount to be repaid is 300 EUR.