How to Order
After you have found the product/service that you want to lease to buy on PLUS+, there are a few steps you need to follow for your successful order submission.
Step 1 – Select the product
First choose the product you want to lease to buy on PLUS+. On this page, you can check the minimum salary requirement, repayment period, monthly repayment amount and administrative fee. You may choose to pay the down payment of the product price if you want to lower your minimum salary requirement.
- Minimum salary requirement is the salary you need to earn monthly in order to lease to buy. If you don’t meet the minimum salary requirement, you can reduce it by paying the down payment.
- For down payment, you can choose to pay from 5% to 70% of the product price via WavePay or Bank Transfer.
- Repayment period is the duration of the lease to buy program that you need to make monthly repayments either through the salary deductions by your organization's HR or through your salary payroll account at Yoma Bank.
- Monthly repayment amount is the amount you need to pay monthly in order to lease to buy and own the product at the end of the repayment period.
- Administrative fee is one time service charge by PLUS+ that is non-refundable regardless of the duration of the lease to buy program. Once you have checked the above information and decided to order, you will need to choose the pick up location.
- Pick up locations are locations provided by our Merchants where you can go and pick up your order. After choosing the pick up location, you can submit the order or put the order in the shopping cart.
Step 2 – Shopping Cart
You can order more than one product or service by putting your chosen products or services in the shopping cart.
In the shopping cart, you can check total price of the products, total minimum salary requirement, total monthly repayment per month, down payment amount (if any) and administrative fees. If you do not meet the total minimum salary requirement, you can reduce it by updating the down payment amount of each product in the Cart. Once everything meets your satisfaction, you can submit "Order Now"
Please note that our Merchants update the prices regularly based on the market rate, and if an item has been in Cart for too long may reflect the price changes. Please verify the total amounts before you click "Order Now".
Step 3 - Check out
Before you click "Proceed" in Checkout, it is necessary that you review the contract, understand and agree to it by signing with a digital signature. Only one-time digital signature is required if you are ordering multiple products.
Beside the contract signing, you are required to take the ID-Selfie. ID-Selfie is taking a selfie picture of yourself holding an ID near your face. The ID must be clearly legible in the image.
If your signature and ID-Selfie do not meet the standard, we will ask you to resubmit your order.
Yoma Bank Payroll Deduction
If your organization has chosen to use Yoma Bank Payroll services for salary deductions, you will need to give us consent to check your Yoma Bank Payroll Account Number after Checkout. Without this consent, we are unable to process your order.
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