@ rate in rete

Pay in installments? From today you can with @ Rate in Rete.

Why spend everything immediately if you can buy our products and pay them in installments?

Thanks to the collaboration with Sella Personal Credit you can buy from our store by paying in convenient installments chosen by you! You can decide the number and value of installments according to your personal needs. And you can also choose whether to pay the first installment after 30 or even 90 days.


How to purchase Microtech products in installments:

Purchase procedure in installments

  • Choose the product (s) and add to cart
  • Select the payment method “@ rate in rete”
  • Choose to pay the first rate after 30 days or 90 days
  • Fill in all the required fields. Warning: the tax code must be a code referring to a person and NOT to a VAT number.
  • Complete the order

You will be directed to the form where you can request your financing

  • Confirm or modify your data
  • Send your financing request
  • You will be directed to the Banca Sella page, fill in the required data
  • Wait for Banca Sella’s answer

We remind you that digital signature is required to complete the procedure.

Requirements to request payment with @ Rate in Rete

Minimum 18 years – Maximum 78 years (the maximum age is indicated as the limit within which the loan must be paid out)


Permanent employees with at least 12 months of work from the time of application (24 months if not-EU)

Self-employed workers with at least 24 months of activity (36 months if not-EU)

Residence in Italy

The foreign citizens of EU must:

Being resident in Italy for at least 2 years

Being in possession of an Italian document. The identity card of the country of origin is not valid

Not-EU foreign citizens must:

Being resident in Italy for at least 3 years

Being in possession of a regular residence permit (validity must cover the duration of the loan)

Being in possession of an Italian document (identity card or driving license)

Requested documents

  • Identity Card (valid, front and back of the document) or
  • Passport (valid, front and back of the document) or
  • Driving license (valid, front and back of the document)
  • Health insurance card (valid, front and back of the document)
  • Last domestic user available in the name of the applicant

(choice between light, gas, water, Sky, telephone, etc.)

  • Last paycheck (employees)
  • Last Single Model with presentation receipt (self-employed)

Examples of purchase


€ 500.00 

Duration: 12 months

Installment value: € 43.85

Stamp: 0,25%

TAN: 9,91%  TAEG: 17,27%

Total amount due: € 542,20


€ 500.00 

Duration: 12 months

Installment value: € 45.51

Stamp: 0,25%

TAN: 13,13%  TAEG: 18,91%

Total amount due: € 562,12


€ 500.00 

Duration: 24 months

Installment value: € 23,00

Stamp: 0,25%

TAN: 9,88%  TAEG: 10,54%

Total amount due: € 568,98


€ 500.00 

Duration: 24 months

Installment value: € 24,20

Stamp: 0,25%

TAN: 13,11%  TAEG: 13,81%

Total amount due: € 597,78

Financing example: 500.00 euros in 24 monthly installments of 23.00 euros. TAN FIXED 9.88%, TAEG 10.54%. Total amount owed by the consumer (total amount of credit + total cost of credit) € 568.98. Total credit amount 500.00 euros. The total cost of the credit includes: interest calculated at the TAN indicated, tax charges (stamp duty on the contract € 16.00 *) charged on the first installment, monthly cost of practice management variable depending on the economic condition used, cost of investigation 0, € 00, expenditure for sending on-line periodic accounting for € 0.00, stamp duty on periodic reporting of € 0.00. Compulsory repayment method: direct debit on current account. The maturity of the installments is determined from the day of the liquidation of the contract; the due date of the installments is scheduled for 1 or 15 of the month. The amount of each installment includes a share of increasing capital and decreasing interest according to a “French” depreciation plan. Advertising message for promotional purposes. Offer valid until 12-12-2020, subject to approval by Sella Personal Credit SpA. For all contractual and economic conditions, please refer to the “European Consumer Credit Basic Information” available to customers at www.microtech.store. Microtech Retail srl operates as a credit intermediary for Sella Personal Credit S.p.A., not exclusively.

* When applying for funding, the right to select, alternatively to the stamp duty on the 16.00 euro contract, the substitute tax, equal to 0.25% of the amount financed, will be proposed.