No interest

No fee

Up to 12 months

From 100 EUR to 3.000 EUR


Bearing in mind the needs of our clients, in collaboration with our partners, TEHNO PLUS and BLA BLA, RAMOND and TEHNO MAX we provided possibility of shopping on several monthly instalments including additional favorable conditions. You may shop goods for furnishing your home or business premises:

 No interest or fees,
 Repayment period: 3 – 12 months,
 Amount – up to 3,000 €.



  • Permanently employed persons,
  • Employed persons under fixed-term contract in continuity at least 12 months,
  • Pensioners of Pension and Disability Insurance Fund of Montenegro (PIO Fund),
  • Individuals generating income from business activity,
  • Legal entities.

At least one collateral required.

Collaterals are arranged with loan officers.


Take a look at list of partners with which we have concluded contracts on collaboration and find the retail shop closest to you.

TehnoPlus LLC

Electric home appliances, computer equipment, mobile phonesFrom 3 to 12 months
Up to 3.000 EUR
Podgorica 1 – TehnoPlus XL, Stari Aerodrom, Bul. Josipa Broza 67;

Podgorica 2 – Cetinjski put bb. (500 m from round about towards Cetinje);

Herceg Novi – Ul. dr Jovana Bijelića bb. (at highway);

Kotor – Škaljari bb. (at bus station);

Budva – Zgrada Merkura (at bypass way), Ul. žrtava fašizma bb.;

Bar – Ul. Jovana Tomaševića 11;

Nikšić – Tržni Centar HDL, Bulevar 13. jula;

Pljevlja – Ul. Narodne revolucije 32;

Ramond LLC

Furniture, carpets and lightening equipmentFrom 3 to 12 months
Up to 3,000 EUR
Nikšić – Ozrinići bb.
Tehno Max LLC

Electric home appliances, audio and video equipmentFrom 3 to 12 months
Up to 3.000 EUR
Podgorica 1 – Moskovska 50;

Podgorica 2 – Bul. Pera Ćetkovića 43, Stari Aerodrom;

Podgorica 3 – Ul. 4. jula bb., Zabjelo;

Bar – Ul. Vladimira Rolovica 13;

Ulcinj – Teuta bb.;

Budva 1 – Jadranski put bb.;

Budva 2 – Jaz bb.;

Herceg Novi – Zelenika bb.;

Nikšić – Ul. 13. jula bb.;

Bijelo Polje – Ul. III sandžačke bb.;

Berane – Ul. 29. novembra bb.;

Cetinje – Ul. Baja Pivljanina 123

The network of partners will be extended in future period in order to open doors for and provide possibility to wide population to furnish their home or business premises under the most favorable conditions.


The process involves several steps, from application for a loan until its realization. Participants in the process are customer, partner company and Alter Modus.

Step No. 1: Customer is given pro-forma invoice by the partner company from which he/she plans to shop the goods.

The following information are stated on the pro-forma invoice: names of the products the customer is interested for, their retail price with VAT included with possible additional discounts, information about the customer (name, surname, residence address, unique personal identification number). The pro-forma invoice is to be sealed and signed by an employee from the partner’s shop.

Step No. 2: The customer comes to an Alter Modus office. Based on the pro-forma invoice provided, loan officer of Alter Modus processes Loan application.

The amount of the loan to be granted is equal to the total amount stated on the pro-forma invoice. The loan is granted exclusively to the person whose personal details were stated on the pro-forma invoice. After having approved the loan, loan officer informs client about it. Client signs Loan Agreement.

Step No. 3: The customer presents the Loan Agreement at the shop of the partner company. Based on the Loan Agreement the goods are delivered to the customer.

The customer presents the Loan Agreement at the shop of the partner company. The Loan Agreement has to be sealed and signed by the loan officer of Alter Modus. The information about the customer stated on the Loan Agreement has to be identical with his/her personal details. The Loan Agreement serves as an evidence that cash assets were granted by Alter Modus.

For further information about conditions, please contact the closest loan officer or fill in the e-form and we will contact you.