Pay In 4 Scheme

The “Pay In 4 ” payment scheme allows customers to purchase products at the full retail cash price and split the total purchase amount into four equal monthly payments. Products available for purchase under this scheme must have a minimum price of €700. By selecting this option, you agree to the following terms.

• Available to customers over 18 years old.
• Maltese ID Card / Maltese Residence Card.
• Maltese Debit or Credit bank card (A local Maltese credit card is required when applying with a Maltese Residence Permit).
• Last 3 month’s payslips.
• Contract of employment.
• Application is subject to credit application approval.
• No active contracts with Intercomp Marketing Limited.
• “Pay in 4” applications can be done from any Intercomp Outlets.

• There are currently no active contracts in place with Intercomp Marketing.
• The “Pay in 4 ” payment option is only available for a single item or up to 2 related items with at least one of the items priced at €700 or more.
• An €80 non-refundable admin fee will be applied and paid at the time of purchase.
• The total amount of the item will be divided into four payments.
• The first payment is due upon collection of the item.
• The remaining three payments are automatically deducted monthly from your bank card.

• Continued non-payment may result in restrictions on future purchases.
• In the event that the customer fails to complete the remaining payments as per the agreed terms, any accumulated Lava Points earned from the transaction in question will be automatically reversed and deducted from the customer’s account.

• Refunds will be processed according to the store’s refund policy.
• The €80 admin fee is non-refundable under any circumstances.

• Intercomp reserves the right to modify these Terms and Conditions at any time.
• Customers will be notified of any significant changes.

• Your personal and payment information will be processed securely according to our Privacy Policy.