NLB Buy&Go: A Revolution in Installment Payments in Slovenia (2025 Guide)

Updated: March 2025 | Reading time: 7 min

Purchasing more expensive items, such as electric scooters, high-end electronics, or home appliances, often represents a significant financial commitment. In Slovenia, the trend of fast consumer loans is on a steep rise, with the NLB Buy&Go service taking the lead.

It is a modern solution that has succeeded the popular "1stavno" service and allows customers to split larger purchases into manageable monthly installments in just a few minutes – without visiting a bank. How exactly does it work, what are the conditions, and why has this payment method become the first choice on eVolt.si?

1. What is NLB Buy&Go?

NLB Buy&Go (formerly known as "1stavno" under Summit Leasing) is a fast online consumer loan from NLB Bank. It is intended for all consumers, regardless of which bank they have their personal account with.

💡 Key advantages at a glance:
  • ✅ High limit: Purchases up to €15,000.
  • ✅ Flexibility: Split into up to 84 monthly installments (7 years).
  • ✅ Speed: Approval in seconds, remote contract signing.
  • ✅ Accessibility: For clients of any Slovenian bank (not just NLB).

2. How does the purchase process on eVolt.si work? (Step-by-step)

The process is designed so you can complete it from the comfort of your armchair; you only need a personal ID, a tax number, and a mobile phone.

  1. Fill your cart: Add products with a total value between €100 and €15,000.
  2. Select payment method: At checkout, choose the option NLB Buy&Go – Installment Payment (this option is only visible for delivery within Slovenia).
  3. Identification and calculation: Click "Start Credit Application". A secure pop-up window will open where you:
    • Enter your personal data (ID card/passport, tax number, phone number).
    • Select the number of installments (from 6 to 84 months) and check the monthly payment.
  4. E-signature: After instant approval, you digitally sign the contract by entering a one-time SMS code.
  5. Completion: You will be redirected back to the store, and your order is confirmed.

Paying the installments: Monthly installments are automatically debited from your bank account via direct debit. You can repay the loan early at any time through the NLB Buy&Go portal.

3. Who can use NLB Buy&Go?

One of the service's biggest advantages is its inclusivity. You don't have to be an NLB Bank client, but you must meet the following conditions:

  • Age: Between 18 and 80 years old (at the time the final installment is due).
  • Status: A Slovenian resident with a permanent address.
  • Income: Regular monthly income (salary or pension).
  • Foreign citizens: Foreigners living and working in Slovenia can also use the financing for amounts up to €8,000.

"Tip: You can check your credit limit in advance on the nlbbuygo.si portal to avoid any surprises at checkout."

4. Required Documentation by Amount

The system is automated but requires different levels of verification depending on the purchase amount. The larger the amount, the more security the bank requires.

Purchase Amount Required Documents 📄
Up to €5,000 ✅ Personal ID (ID card or passport)
✅ Tax number
✅ Bank card
€5,001 – €10,000 All of the above +
✅ Last bank statement
€10,001 – €15,000 All of the above +
✅ Last 3 bank statements
✅ Last payslip

5. Frequently Asked Questions (FAQ)

1. Are there any hidden costs?

No. NLB Buy&Go prides itself on transparency. Before signing the contract, you will see a detailed calculation of the APR (Annual Percentage Rate), approval fees, and insurance costs. The interest rate is fixed for the entire repayment period.

2. Can I get installments as a student or a part-time employee?

In principle, the service is tied to creditworthiness. Students with regular income (e.g., through a student service) or part-time employees can submit an application, but approval depends on the amount of regular income and the bank's risk assessment.

3. Why do I still see the name "1stavno" in some places?

In 2024, NLB acquired Summit Leasing Slovenija, the company that managed the "1stavno" brand. The service is now being renamed to NLB Buy&Go, but the old name may still appear in some places during the transition period. It is the same service, now improved.

4. What happens if I return a product?

If you cancel the purchase and return the product to the retailer (in accordance with their return policy), the retailer will notify NLB. The loan agreement will be canceled, and any funds already paid will be refunded to you.

Conclusion

NLB Buy&Go represents a bridge between your desires and your financial capabilities. With the option to split payments into up to 84 installments, high-end e-scooters and other technology become accessible immediately, without the need for long-term saving. The process is secure, fast, and completely digital.

Sources and Literature

  • NLB d.d. (2025). NLB Buy&Go: Fast loans at points of sale. Retrieved from nlb.si
  • NLB Lease&Go. (2024). Summit Leasing becomes part of the NLB Group. Retrieved from nlb-leaseandgo.si
  • Summit Leasing. (2025). Terms and conditions for NLB Buy&Go (formerly 1stavno). Retrieved from nlbbuygo.si

Blog posts