Spending Limit
Instantly available money for your Shopping or Cash needs
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Why to apply for a Spending Limit?

Apply for Spending Limit for FREE
Applying for Spending Limit is FREE of charge. If you do not use the money, we will not charge you
Available for Shopping or Cash needs
Whether the money you need is for Shopping, or Cash. We got you covered 24/7
SPECIAL OFFER! First Cash Loan 0% for 2 months
New customers get up to 50 000 LEK loan with 0% interest for 2 months
Spending Limit explained

What is Spending Limit?

Spending Limit is money that is instantly available for you. You can use the money for purchases, or if you need Cash. You have many options to use your Spending Limit in iute: 

  • Pay Later for your purchases with Smart 0%: pay with 4 installments and enjoy 0 LEK in additional fees.
  • Pay Later for your purchases with Flexi: Choose your installments and pay over 48 months.
  • Get Cash Loan: Choose your repayment schedule and withdraw money from iute ATMs 24/7.

All above mentioned options will be instantly approved within your Spending Limit!

Send application

Special offer!

Limited time offer for new customers. Apply for Spending Limit now and enjoy up to 50,000 LEK loan with 0% interest for 2 months.

Send application

We will call you regarding your 0% Cash Loan offer when we have received your Spending Limit application.


How to apply for a Spending Limit when you are new to iute?

  • 1

    Fill in the application form

    Send application
  • 2

    Download Myiute app and Sign in

  • 3

    Finalize your identification process in Myiute app 

  • 4

    Finalize your identification process in Myiute app 

  • 5

    Wait for a call from us

  • 6

    Start using your Spending Limit

How can I benefit from Spending Limit?

Shopping with peace of mind
Planning a significant purchase, like a new smartphone or TV? Use Spending Limit to buy with instant approval whatever you desire and Pay Later.
Unexpected emergencies
When unexpected repairs or home emergencies arise, it's crucial to have a financial safety net. Spending Limit gives you certainty that any expenditures within your Spending Limit are covered.
Urgent Cash needs
If you need instant Cash for any occcasion, for example wedding or birthday party, Spending Limit ensures instantly available money for your needs.
Travel opportunities
Discovered a fantastic last-minute travel deal? Cover your travel expenses immediately with available Spending Limit.

Step-by-step video guide: How to apply for Spending Limit

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Get quick answers to common questions about the Spending Limit.

If you don’t find what you’re looking for, don’t worry—our chat support is just a click away to help you with any question.

What's the highest limit available to me?

Apply for your Spending Limit and uncover the amount waiting for you.

Are there any obligations if I choose not to use the Spending Limit?

No, you only make payments based on the repayment plan when you utilize the available credit.

Where can I use the Spending Limit?

Accepted within the iute partner network.