Why to apply for a Spending Limit?
![web_1080x1080-01-1](https://iute.al/wp-content/uploads/2024/04/web_1080x1080-01-1-100x100.jpg 100w, https://iute.al/wp-content/uploads/2024/04/web_1080x1080-01-1-300x300.jpg 300w, https://iute.al/wp-content/uploads/2024/04/web_1080x1080-01-1-1024x1024.jpg 1024w, https://iute.al/wp-content/uploads/2024/04/web_1080x1080-01-1-150x150.jpg 150w, https://iute.al/wp-content/uploads/2024/04/web_1080x1080-01-1-768x768.jpg 768w, https://iute.al/wp-content/uploads/2024/04/web_1080x1080-01-1-1536x1536.jpg 1536w, https://iute.al/wp-content/uploads/2024/04/web_1080x1080-01-1-2048x2048.jpg 2048w, https://iute.al/wp-content/uploads/2024/04/web_1080x1080-01-1-24x24.jpg 24w, https://iute.al/wp-content/uploads/2024/04/web_1080x1080-01-1-48x48.jpg 48w, https://iute.al/wp-content/uploads/2024/04/web_1080x1080-01-1-200x200.jpg 200w, https://iute.al/wp-content/uploads/2024/04/web_1080x1080-01-1-400x400.jpg 400w, https://iute.al/wp-content/uploads/2024/04/web_1080x1080-01-1-500x500.jpg 500w, https://iute.al/wp-content/uploads/2024/04/web_1080x1080-01-1-600x600.jpg 600w, https://iute.al/wp-content/uploads/2024/04/web_1080x1080-01-1-700x700.jpg 700w, https://iute.al/wp-content/uploads/2024/04/web_1080x1080-01-1-800x800.jpg 800w, https://iute.al/wp-content/uploads/2024/04/web_1080x1080-01-1-190x190.jpg 190w, https://iute.al/wp-content/uploads/2024/04/web_1080x1080-01-1-640x640.jpg 640w, https://iute.al/wp-content/uploads/2024/04/web_1080x1080-01-1-1280x1280.jpg 1280w, https://iute.al/wp-content/uploads/2024/04/web_1080x1080-01-1.jpg 2250w)
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
![flexi_1600x500_1-1-03-1](https://iute.al/wp-content/uploads/2024/04/flexi_1600x500_1-1-03-1-100x100.png 100w, https://iute.al/wp-content/uploads/2024/04/flexi_1600x500_1-1-03-1-300x300.png 300w, https://iute.al/wp-content/uploads/2024/04/flexi_1600x500_1-1-03-1-1024x1024.png 1024w, https://iute.al/wp-content/uploads/2024/04/flexi_1600x500_1-1-03-1-150x150.png 150w, https://iute.al/wp-content/uploads/2024/04/flexi_1600x500_1-1-03-1-768x768.png 768w, https://iute.al/wp-content/uploads/2024/04/flexi_1600x500_1-1-03-1-24x24.png 24w, https://iute.al/wp-content/uploads/2024/04/flexi_1600x500_1-1-03-1-48x48.png 48w, https://iute.al/wp-content/uploads/2024/04/flexi_1600x500_1-1-03-1-200x200.png 200w, https://iute.al/wp-content/uploads/2024/04/flexi_1600x500_1-1-03-1-400x400.png 400w, https://iute.al/wp-content/uploads/2024/04/flexi_1600x500_1-1-03-1-500x500.png 500w, https://iute.al/wp-content/uploads/2024/04/flexi_1600x500_1-1-03-1-600x600.png 600w, https://iute.al/wp-content/uploads/2024/04/flexi_1600x500_1-1-03-1-700x700.png 700w, https://iute.al/wp-content/uploads/2024/04/flexi_1600x500_1-1-03-1-800x800.png 800w, https://iute.al/wp-content/uploads/2024/04/flexi_1600x500_1-1-03-1-190x190.png 190w, https://iute.al/wp-content/uploads/2024/04/flexi_1600x500_1-1-03-1-640x640.png 640w, https://iute.al/wp-content/uploads/2024/04/flexi_1600x500_1-1-03-1.png 1080w)
Available for Shopping or Cash needs
Whether the money you need is for Shopping, or Cash. We got you covered 24/7
![limiti-i-shpenzimit](https://iute.al/wp-content/uploads/2024/04/limiti-i-shpenzimit-100x100.jpg 100w, https://iute.al/wp-content/uploads/2024/04/limiti-i-shpenzimit-300x300.jpg 300w, https://iute.al/wp-content/uploads/2024/04/limiti-i-shpenzimit-1024x1024.jpg 1024w, https://iute.al/wp-content/uploads/2024/04/limiti-i-shpenzimit-150x150.jpg 150w, https://iute.al/wp-content/uploads/2024/04/limiti-i-shpenzimit-768x768.jpg 768w, https://iute.al/wp-content/uploads/2024/04/limiti-i-shpenzimit-24x24.jpg 24w, https://iute.al/wp-content/uploads/2024/04/limiti-i-shpenzimit-48x48.jpg 48w, https://iute.al/wp-content/uploads/2024/04/limiti-i-shpenzimit-200x200.jpg 200w, https://iute.al/wp-content/uploads/2024/04/limiti-i-shpenzimit-400x400.jpg 400w, https://iute.al/wp-content/uploads/2024/04/limiti-i-shpenzimit-500x500.jpg 500w, https://iute.al/wp-content/uploads/2024/04/limiti-i-shpenzimit-600x600.jpg 600w, https://iute.al/wp-content/uploads/2024/04/limiti-i-shpenzimit-700x700.jpg 700w, https://iute.al/wp-content/uploads/2024/04/limiti-i-shpenzimit-800x800.jpg 800w, https://iute.al/wp-content/uploads/2024/04/limiti-i-shpenzimit-190x190.jpg 190w, https://iute.al/wp-content/uploads/2024/04/limiti-i-shpenzimit-640x640.jpg 640w, https://iute.al/wp-content/uploads/2024/04/limiti-i-shpenzimit.jpg 1080w)
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?
![wwwwww-01](https://iute.al/wp-content/uploads/2024/04/wwwwww-01-777x640.png 777w, https://iute.al/wp-content/uploads/2024/04/wwwwww-01-300x247.png 300w, https://iute.al/wp-content/uploads/2024/04/wwwwww-01-768x632.png 768w, https://iute.al/wp-content/uploads/2024/04/wwwwww-01-190x156.png 190w, https://iute.al/wp-content/uploads/2024/04/wwwwww-01-100x82.png 100w, https://iute.al/wp-content/uploads/2024/04/wwwwww-01.png 1024w)
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!
How can I benefit from Spending Limit?
![3](https://iute.al/wp-content/uploads/2024/04/3-2-360x310.png 360w, https://iute.al/wp-content/uploads/2024/04/3-2-1080x930.png 1080w, https://iute.al/wp-content/uploads/2024/04/3-2-720x620.png 720w)
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.
Covered
![2-1](https://iute.al/wp-content/uploads/2024/04/2-1-360x310.png 360w, https://iute.al/wp-content/uploads/2024/04/2-1-1080x930.png 1080w, https://iute.al/wp-content/uploads/2024/04/2-1-720x620.png 720w)
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.
Covered
![photos-examples-1](https://iute.al/wp-content/uploads/2024/04/photos-examples-1-1-360x310.png 360w, https://iute.al/wp-content/uploads/2024/04/photos-examples-1-1-1080x930.png 1080w, https://iute.al/wp-content/uploads/2024/04/photos-examples-1-1-720x620.png 720w)
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.
Covered
![1-1](https://iute.al/wp-content/uploads/2024/04/1-1-360x310.png 360w, https://iute.al/wp-content/uploads/2024/04/1-1-1080x930.png 1080w, https://iute.al/wp-content/uploads/2024/04/1-1-720x620.png 720w)
Travel opportunities
Discovered a fantastic last-minute travel deal? Cover your travel expenses immediately with available Spending Limit.
Covered
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.