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Installment Terms — Shariah-Conscious Deferred Sale

How our installment plans work

Ezel Collection does not lend money and does not charge interest. What we offer is a deferred-sale price: a different, higher, but completely fixed selling price for buying the same goods on a payment schedule instead of paying cash today.

The price is fixed before you agree

The cash price, the deferred sale price, the number of installments, the amount of each installment and every due date are all shown to you in full before you confirm the order. Once you confirm, that total is locked into your order and stored with it.

What never happens

• No interest, APR or profit rate is calculated on any outstanding balance
• Nothing compounds over time
• The total never increases because time has passed
• No interest or financial penalty is charged for a late installment

If you pay late

Your agreed total stays exactly the same. We will contact you to arrange payment, and where a schedule is repeatedly not honoured we may decline future installment orders.

If you pay early

You may settle the remaining installments at any time. Contact us and we will confirm the balance.

Eligibility

Installment plans are available on eligible products above the minimum order value shown at checkout, and may require identity verification.

Important notice

Please have the installment structure reviewed by a qualified Shariah scholar or Mufti before relying on it commercially. This is a Shariah-conscious implementation and not a fatwa.