Need help?
SprayPay Instalment Payments – your new gear is closer than you think
Please note: currently only available in our physical stores
Would you like that one lens, a new camera or a complete kit, but prefer not to pay for it all at once? With "SprayPay – Instalment Payments", you decide the pace. Start photographing and filming straight away with new equipment, while spreading the cost conveniently over 12, 24, 36, 48 or 60 months. Perfect when the investment does not fit your budget right now or when you would rather keep your savings for other projects. Did you know you can also trade in your current equipment? You'll receive an instant discount on your purchase as well!
How SprayPay makes your upgrade easier
No Large Upfront Expense
Spread the cost of your purchase, allowing you to upgrade to better equipment immediately without a major initial investment.
Clear Monthly Payment
Pay the same amount every month, so you always know exactly what to expect and can keep your budget under control.
Flexible Terms
Choose a repayment period of 12, 24, 36, 48 or 60 months, allowing you to tailor the payments entirely to your situation.
Penalty-Free Early Repayment
Make additional payments or repay the remaining balance in full at any time, without extra charges or restrictions.
Start Paying After 30 Days
Your first instalment is only collected after one month, helping you maintain financial flexibility at the start.
Wide Applicability
You can use SprayPay for purchases between €250 and €10,000, including used products and even your insurance.
Easy instalment payments in store in just a few steps
Step 1: Complete the income and affordability check
Choose SprayPay at checkout and complete a short assessment that instantly shows whether the requested amount fits within your financial situation.
Step 2: Verify your identity via iDIN
Securely confirm your identity through your own bank. This only takes a minute and ensures your application can be processed quickly.
Step 3: Sign and complete your application
Review the agreement, sign it digitally and authorise direct debit payments. Once completed, you can start using your new equipment straight away.
An example calculation of instalment payments with SprayPay
| Product price | Total credit amount | Duration in months | Interest rate | Monthly instalment | Total to pay |
|---|---|---|---|---|---|
| € 2,449.- | € 2,449.- | 12 months | 14 % | € 219.90 | € 2,638.75 |
| € 2,449.- | € 2,449.- | 18 months | 14 % | € 151.31 | € 2,723.83 |
| € 2,449.- | € 2,449.- | 24 months | 14 % | € 116.92 | € 2,806.14 |
| € 2,449.- | € 2,449.- | 36 months | 14 % | € 83.71 | € 3,013.45 |
| € 2,449.- | € 2,449.- | 48 months | 14 % | € 66.93 | € 3,212.70 |
| € 2,449.- | € 2,449.- | 60 months | 14 % | € 56.99 | € 3,419.29 |
Credit is provided by Webfin leningen B.V., operating under the name SprayPay. Kamera Express does not provide advice on credit. You are responsible for determining whether the credit suits your personal circumstances.
Important information about instalment payments with SprayPay
Before you can use SprayPay, an assessment will be carried out to determine whether you qualify for credit. If approved, your loan will be registered with the BKR. If you choose to repay the full amount within 30 days of the agreement date, no interest will be charged. For instalment purchases of €1,000 or more, verification is required, for example by providing one or more payslips to SprayPay. If you are unable to meet your payment obligations for more than two months, SprayPay is required to report this to the BKR. Please also note that interest is charged on the borrowed amount: borrowing money costs money.
Frequently asked questions
SprayPay is a way to pay for your purchases at Kamera Express in instalments. This allows you to start using new cameras, lenses or accessories straight away while spreading the cost over several months.
Applying is simple and takes place in three steps: first, you complete a short income and affordability assessment, then you verify your identity via iDIN through your bank, and finally, you digitally sign the agreement for direct debit payments.
At the moment, SprayPay is only available in our physical stores. You can apply for instalment payments directly at checkout. The process takes just a few minutes, and you can take your products home immediately.
SprayPay is available for purchases between €250 and €10,000, for both new and used equipment. You can also finance your equipment insurance through SprayPay.
Yes, interest is charged on the amount you borrow. However, if you choose to repay the full amount within 30 days of the agreement date, no interest will be charged.
With SprayPay, you choose the repayment term that suits you best. You can select a period of 12, 24, 36, 48 or 60 months, allowing you to tailor the monthly payment amount to your situation and budget.
If you choose SprayPay, your loan will be registered with the BKR. For amounts of €1,000 or more, verification is required, for example by providing payslips. If you are unable to meet your payment obligations for more than two months, SprayPay is required to report this to the BKR.
SprayPay is intended exclusively for private customers and cannot be used for business purchases. You can only apply for a payment arrangement when purchasing as a consumer and ordering in your own name.
No, it is not possible to finance only part of the purchase amount with SprayPay. The payment arrangement must always be based on the full invoice amount of your order. If you would like to use a combination of payment methods, this is only possible by splitting the purchase into separate orders.
If you have any questions about SprayPay, our colleagues at your favourite Kamera Express store will be happy to help. You can easily get in touch via WhatsApp, email or telephone. Our teams will gladly assist you and help you determine which payment option best suits your situation.
