Buy Now Pay Later

FlexiPay is The Atrium's flexible payment solution, allowing you to spread the cost of your purchase over manageable monthly repayments.

Before You Apply

A quick overview of the main FlexiPay conditions before visiting the store. All FlexiPay applications are subject to approval and additional documentation may be requested where necessary.

✓

Minimum combined purchase of €400

One item or combined orders from different departments.

✓

Flexi24 (€400 to €1,500) or Flexi36 (over €1,500)

Choose the repayment plan that applies to the total purchase value.

✓

Deposit only for specific orders

A deposit may apply to special-order or customised products.

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Normal RRP applies

FlexiPay purchases are calculated using the normal recommended retail price.

Flexipay calculator

Purchase price €

Flexipay plan

To apply for 36 months, you need to spend €1,500 or over.

Your Flexipay estimate

Cash price —

Flexipay price —

First payment —

                            Monthly payment
                            —
                        

Remaining payments —

All payments are monthly. Calculator is indicative only. Final figures and eligibility are confirmed in store.

How it works.

Straightforward steps, with our team guiding you from product selection to application.

Choose your products

Select the items you would like to purchase with Flexipay.

Visit us in store

Speak to our team and start your application at The Atrium.

Submit documents

Bring the required documents so the application can be processed.

Approval

Applications are normally processed within 2–3 working days once all required documentation has been submitted.

Complete purchase

Once approved, we help you finalise your order.

Requirements.

Bring the documents below when applying in store. Additional documentation may be requested depending on the application.

Maltese ID Card

Back and front copy of a Maltese ID Card.

Applicants must be 18 or over.

Latest 3 Payslips

Provide your latest three payslips.

Bank Account Verification

A recent bank statement is required to verify the bank account provided.

To verify ownership of the bank account provided, customers are required to submit a copy of the top section of a recent bank statement showing their name, address, and IBAN. Once satisfactory documentation has been received, the Flexi request will be processed.

If you are Married

Both signatures are required.

Self Employed

Last year's P&L and Income Tax Return required.

We require last year's P&L, accompanied by the related income tax return for verification purposes.

New FlexiPay requirement: A copy of the top section of a recent bank statement showing the applicant's name, address, and IBAN.

Foreign applicants

A valid residence permit and proof of property ownership are required.

Residence permits are only accepted if accompanied by a copy of a deed showing ownership of property in the Maltese Islands. Lease agreements are not accepted.

Important to note

• You will be asked to fill in and sign forms presented at quotation stage, provide your details, confirm that you have no pending issues with overdue amounts owed to other entities, consent to a credit-history check with MACM (Malta Association of Credit Management), and authorise monthly payments from your credit or debit card for the duration of the contract.

• Bills of exchange must be signed for all Flexi36 contracts and for contracts exceeding €2,500.

Good to know.

Approval usually takes approximately 2-3 working days after the application and required documents are submitted.

Yes, you may be able to apply. You will generally need valid identification, a residence permit where applicable, local employment or income documents, a local bank card, and a finalised property deed. Final eligibility is confirmed during the application process.

A deposit is normally only required when items have to be specifically ordered. In most cases, if items are in stock or normally available from stock, no deposit is required.

Yes. Flexipay can apply to one item or to combined orders from different departments, as long as the purchase meets the required minimum value.

Website prices are cash prices. Flexipay purchases are based on the normal recommended retail price.