How can we help you?

SprayPay is a payment option that lets you pay for a purchase in monthly instalments. You take out a loan with Webfin Leningen B.V., a credit provider licensed by the AFM (licence number 12045002). The webshop delivers the product, we take care of the payment.

You pay a fixed amount every month by direct debit. This amount includes both repayment and interest (annuity).

You choose SprayPay as your payment method in the webshop and complete a short application:

• Identity verification via your bank (iDIN)

• Income check

• BKR check

You'll usually have an answer within a few minutes. For applications above 1,000 euros, additional verification (such as payslips) may be needed. Once approved, you pay a fixed amount every month by direct debit.

You're between 23 and 75 years old, live in the Netherlands, and have a Dutch bank account and a valid ID. Every application is assessed individually based on your financial situation.

SprayPay is only available to Dutch residents with a Dutch address. Do you live abroad (for example, Belgium)? Then unfortunately you cannot use SprayPay.

You can choose from 12, 18, 24, or 36 months. The available options depend on the webshop and the purchase amount, and are shown during the application process.

You can always repay early without penalty. If you pay off the loan within 30 days of the start date, you won't owe any interest.

SprayPay charges 12% interest per year on the outstanding amount. For example: paying off a purchase amount of 1,000 euros over 12 months costs around 5.50 euros in interest per month.

The monthly amount includes both repayment and interest (annuity). This is why the total over the term is higher than the purchase amount divided by the number of months.

Good to know: if you repay in full within 30 days of the start date, you won't owe any interest and you won't be registered with the BKR.

No. There are no hidden costs for setting up or managing your loan. Please note: if a payment is late, late-payment interest may be charged. The longer the arrears continue, the higher this interest rises. So always pay on time.

You enter into two agreements:

• With the webshop: for the product, delivery, and warranty.

• With Webfin Leningen B.V.: for the loan, instalments, and direct debit.

Do you have a question about your product or delivery? Then contact the webshop. Is it about payment, your loan, or the BKR? Then you're in the right place with us.

At a growing number of webshops in the Netherlands. You'll see whether SprayPay is available at checkout. We also work with partners outside e-commerce, such as energy suppliers and healthcare providers.

Possibly. We work with companies that offer their customers a payment plan under their own name. The loan then runs through Webfin Leningen B.V. You will always receive a credit agreement from us, so check your spam folder if you don't see it.

No. The registration and login portal on spraypay.nl is for existing customers who already have a loan. New customers don't need to register in advance.

The right process: go to the webshop, add your product to the cart, choose SprayPay as your payment method, and the application process starts automatically.

No. SprayPay is a pay-in-instalments service, not a direct money lender. You can only use SprayPay as a payment method for a purchase through affiliated webshops.

iDIN is a secure way to verify your identity through your own bank. By logging in with your bank, you confirm who you are without having to upload a copy of your ID. This is faster and safer than traditional verification. Almost all Dutch banks support iDIN.

Usually within a few minutes. Sometimes manual review is needed (up to 24 hours). If we need additional documents, you'll receive an email with an upload link.

Tip: check your spam folder if you haven't received an email. Our messages come from @spraypay.nl or @webfin.nl.

You'll receive an email with an upload link. These may be payslips, bank statements, or an ID. Make sure the documents are clearly legible.

Tip: use a laptop if uploading on your phone doesn't work. Submit the documents as soon as possible: if the deadline passes, your application expires and you'll have to start again.

Reviewing documents can take up to 24 hours. Check whether the upload succeeded by clicking the link again. Haven't heard anything after 24 hours? Contact us at consument@spraypay.nl with your last name and postal code.

Your application is assessed automatically based on your financial situation. Possible reasons for a rejection:

• Insufficient financial room: your income minus your fixed expenses and existing obligations leaves too little room. Even if you live with your parents, a percentage of your net income is counted as a notional housing cost (up to €750 per month).

• BKR registration: a negative registration or existing credit can be taken into account.

• Identity or document verification: if verification was unsuccessful.

We're not always able to share the exact reason. The webshop cannot inform you about this: only SprayPay assesses your application.

After a rejection, a cooling-off period applies. For a negative BKR or solvency check, this period is 6 months. During this period you cannot submit a new application, not even at a different webshop or for a lower amount.

Important: if your financial room is insufficient, applying for a lower amount won't help. The problem isn't the purchase amount but your overall financial room.

Has your situation changed (for example, due to a higher income or paying off other obligations)? Then contact us first so we can reset your details, after which you can apply again.

After a negative BKR or solvency check, a cooling-off period of 6 months applies. For other reasons, the waiting period may differ. Contact us if you'd like to know when you can apply again.

After full repayment, the system sometimes needs a short time to update your status. This doesn't always happen automatically. Contact us at consument@spraypay.nl with your loan number, and we'll check this for you.

Not approved yet? Then the application will expire on its own, you don't need to do anything.

Already signed? Contact the webshop and cancel the order. As soon as we receive the cancellation, we'll dissolve the credit agreement.

You also always have a 14-day cooling-off period (right of withdrawal). Contact us if you'd like to use this. You'll then repay the borrowed amount plus any interest accrued.

Try a different browser or device. Still not working? Contact us with a description of the error, and we'll take a look.

Contact us as soon as possible at consument@spraypay.nl. Include your application number, last name, postal code, and the correct details.

Please note: at this stage in the process you don't have a loan number yet, you'll only receive that after approval. Use your application number instead.

For purchases under €1,150, we ask for a down payment. This is determined automatically during the application process and doesn't depend on the webshop.

Important to know:

• The down payment link is valid for 24 hours (shorter than regular payment links)

• The down payment is not part of the credit and is not shown in the portal

• If the order is cancelled and the agreement is dissolved, you'll get the down payment back

• If you don't complete the down payment, the application will expire automatically

On the next fixed collection date after your application is approved, via direct debit. You can find the exact date in your credit agreement or in the customer portal at mijn.spraypay.nl.

Via direct debit on a fixed date. If a collection fails, one extra attempt automatically follows in the same month. Make sure you have sufficient balance in your account.

If the retry also fails, you automatically receive an iDEAL payment link by email. This link is sent from overeenkomst@spraypay.nl. Check your spam folder if you don't see the link.

Your monthly payment includes both repayment and interest. SprayPay uses an annuity structure: the same amount each month, but more interest and less repayment at the start. The total over the term is higher than the purchase amount. This is shown upfront in your credit agreement.

If a collection fails, one retry automatically follows. After that, you'll receive an iDEAL payment link by email (from overeenkomst@spraypay.nl, check your spam folder). Pay as soon as possible to avoid extra costs and a negative BKR registration.

Note: the payment link can only be used once and is valid for 6 days. Transferring the amount yourself to an account number is not possible.

Please contact us right away. After cancelling the direct debit authorization, the collection will fail every month. You will then automatically receive an iDEAL payment link by email. You can also pay via your account at mijn.spraypay.nl.

Unfortunately, it is currently not possible to set up direct debit again.

This can happen if your payment and the final collection cross each other. Please contact us: we'll refund any amount collected incorrectly.

Messages and payments can cross each other (1 to 2 business days processing time). Still not right after two business days? Then please contact us with the date and amount of your payment.

We understand it's frustrating when you can't meet your payment obligations. Please contact us as soon as possible, preferably before the collection date. The sooner you let us know, the more options we have.

Send an email to consument@spraypay.nl and always include your loan number, last name, and postcode. We'll get back to you within 1 business day.

Don't wait until the payment fails: arrears can result in late payment interest and a negative BKR registration.

You can also pay yourself via your account at mijn.spraypay.nl. Not working? Contact us with your loan number and we'll send you a one-time payment link.

Good to know: the payment link is valid for 6 days and can only be used once. It's sent from overeenkomst@spraypay.nl, so check your spam folder.

After an extra repayment, your monthly payment is automatically reduced and you pay interest on the new, lower outstanding amount. Your loan term stays the same. If your monthly payment hasn't been adjusted yet, processing may still be underway. Contact us if it's still not correct after a few days.

You can check your instalment amount in the customer portal at mijn.spraypay.nl. Not right? Contact us with the date and the amount.

SprayPay uses fixed collection dates. Unfortunately, it's not possible to adjust the date individually or move an instalment to a different month.

That's possible. You can pay via your account at mijn.spraypay.nl. Not working? Contact us with your loan number and we'll send a payment link for the total amount.

No, transferring the amount yourself is not possible. Manual transfers aren't processed automatically and can cause confusion about your balance. Payments always go through direct debit or an iDEAL payment link.

Check whether you recently bought something at a webshop using SprayPay. The charge shows as 'SprayPay' or 'Webfin' on your bank statement. Still don't recognise it? Contact us with the date and the amount, and we'll look into it for you.

Yes, at any time and without any penalty costs. You can do this via your account at mijn.spraypay.nl.

Note: if you have outstanding instalments (missed payments), these must be settled first before you can pay off your loan in full.

The remaining balance of your loan including accrued interest. You can find the exact amount in your account at mijn.spraypay.nl. Not working there? Contact us and we'll send a payment link with the correct payoff amount.

Note: do you have outstanding instalments (missed payments)? These must be settled first before you can pay off your loan in full.

Contact us and let us know by which date you need the statement. We'll send it by email. Please include your loan number and last name.

Shortening: you can always repay early without penalty to be done sooner.

Extending: extending the term is possible. Contact us to discuss the options.

Having trouble with your monthly payment? Contact us: we're happy to look at your options together.

Yes, that's possible via your account at mijn.spraypay.nl or by contacting us. After an extra repayment, your monthly payment is automatically reduced and you pay less interest. The term stays the same.

This can happen if an outstanding instalment or payment link is still being processed. Contact us and we'll manually send a payment link with the correct payoff amount.

Within a few business days after we receive your payment. Your BKR registration is then updated, which can take a few weeks. After full repayment, a positive BKR registration remains on record and is automatically removed after 5 years.

Your loan is registered with the BKR if it's higher than 250 euros (a positive registration). Webfin Leningen B.V. is legally required to do this as a credit provider. Once the loan is fully repaid, the registration is removed from the BKR.

Good to know: if you repay in full within 30 days of the start date, you won't be registered with the BKR.

Positive registration: an active or repaid credit. This is normal, and everyone who has ever taken out a loan has one.

Negative registration (A-coding): there's a payment arrears of more than 60 days. This can affect future credit applications or a mortgage.

Positive registration: 5 years after full repayment.

Negative registration (A-coding): 5 years after the arrears is resolved. This is set by law and applies to all credit providers in the Netherlands.

Updating your BKR registration takes a few weeks after repayment. Is it taking longer than 4 weeks? Then please contact us with your loan number.

The registration itself (positive) remains visible for 5 years after repayment. This is set by law.

The BKR check is part of every application and can't be requested separately. After the cooling-off period (6 months after a negative check), you can submit a new application via a webshop, which automatically triggers a new check.

If you have an active negative BKR registration, your application will always be rejected. This is a legal requirement. You can only submit a new application once the negative registration has been lifted.

Via mijnkredietregistratie.nl. This is the official BKR service where you can request your complete credit overview.

After the arrears is resolved, an H-coding (restored) should appear on your registration. This is currently still processed manually, so it can take a little while. Please contact us if the H-coding still isn't visible after a few weeks.

The negative registration (A-coding) itself remains visible for 5 years after it's resolved. This is set by law and applies to all credit providers in the Netherlands.

The webshop needs to notify us of the cancellation by submitting what's called a chargeback. As soon as we receive it, we stop the loan and refund any amounts already collected.

Important: a screenshot or email from the webshop stating that the order has been cancelled isn't enough. The webshop itself needs to submit the chargeback to SprayPay. Contact the webshop and ask them to do this.

Report the return to the webshop and ask them to submit the chargeback to SprayPay. Keep paying your instalments in the meantime: if you've overpaid, we'll refund that once the chargeback has been processed.

Why keep paying? Reversing a direct debit creates arrears, which can affect your BKR registration. Keep paying and let the webshop handle the cancellation.

Product, delivery, warranty and returns: contact the webshop.

Payment, loan and BKR: contact SprayPay.

The loan with SprayPay and the purchase agreement with the webshop are two separate agreements.

Your loan generally continues as normal. Please contact us so we can review your situation and see what we can do for you.

Contact the webshop and us. We'll check whether a loan has been activated and can share the order details with you so you can pass them on to the webshop.

Yes, your payment obligation to SprayPay is separate from the delivery. Contact the webshop about the delivery. Isn't your order being delivered? Have the webshop submit a chargeback to us, and we'll stop the loan.

Please contact us. We'll look at what we can do on our end and advise you on next steps.

Changing the model or product within an existing loan isn't possible. The loan is tied to the specific product and amount.

Ask the webshop to cancel your current order (via a chargeback to SprayPay). After that, you can place a new order with SprayPay as the payment method.

In your account on mijn.spraypay.nl. Log in using the email address you used to take out your loan.

Reset your password via the login page at mijn.spraypay.nl. Not working? Get in touch with us. Please mention the email address you used to apply for your loan.

Check your balance in the customer portal at mijn.spraypay.nl. For the exact repayment amount (including accrued interest), please contact us.

If you've recently taken out a loan of more than € 1,000, you can apply for a second loan. For loans under € 1,000, it isn't possible to apply for a new loan while the first one is still running.

Once you've fully repaid your loan, you can always take out a new one straight away, there's no waiting period.

After taking out your loan, you can cancel within 14 days without giving a reason (right of withdrawal). You'll then repay the borrowed amount plus any accrued interest. Contact us if you'd like to make use of this.

Check your spam folder. Our emails come from @spraypay.nl or @webfin.nl. Payment links are sent from overeenkomst@spraypay.nl. Add these addresses to your contacts. Still nothing? Get in touch with us, there may be a different email address on file in our system.

This isn't possible by default. Get in touch with us to discuss your situation.

Yes. Once you've fully repaid your loan, you can use SprayPay again, it's not a one-time thing. Submit a new application via a participating webshop by choosing SprayPay as your payment method. Your application will then be reviewed again.

The loan continues regardless of the product's condition. Your payment obligation is separate from the product. For the damage itself, please contact your insurer or the other party involved.

In the event of death, the debt passes to the heirs. We need a death certificate to assess the situation and update the file.

If the estate is accepted under the benefit of inventory, we'll need a document for that as well. Please contact us at consument@spraypay.nl and include the relevant documents.

All SprayPay email addresses end in @spraypay.nl or @webfin.nl. Payment links are sent from overeenkomst@spraypay.nl. If in doubt, don't click any links in the email, and contact us directly via the contact form or consument@spraypay.nl.

To assess your application and manage your loan, we need personal data. This includes your name, address, income, and bank details. We handle your data with care. You can find more information in our privacy statement.

In your account at mijn.spraypay.nl you'll find an overview of your loan. There you can:

• Download your contract

• Make an extra or full repayment

• Change your bank account number

• Pay outstanding instalments

• Request a payment plan

Go to mijn.spraypay.nl and click Sign up. Enter the email address you used for your loan and click next. You'll receive an email to set a password.

Tip: check your spam folder if you don't see the email. It's sent from @spraypay.nl.

Go to mijn.spraypay.nl and click Log in. Then click Forgot password. Enter the email address you used for your loan. If the email address is correct, you'll receive an email to reset your password.

Contact us via the contact form or via consument@spraypay.nl with a request to update your email address. Please include your loan number and last name. Once your email address has been updated, you can request a new password.

Contact us with your loan number and the new IBAN. No identification is needed for this.

After processing, we'll confirm the new account number. Please note: the change won't be visible in your account for the time being.

Contact us at consument@spraypay.nl with your loan number and your new address.

Contact us with your loan number and the new email address or phone number you'd like to use. We can process an email address change right away. Future communication (including payment links) will then be sent to the new address.

A name change cannot be made yourself in your account. Contact us and send a copy of your new ID, and we'll update it for you.

If you fall into arrears, these steps follow:

• First, one automatic retry of the direct debit

• A reminder by email

• Late payment interest on the overdue amount

• A negative BKR registration (A-coding)

• In case of prolonged arrears: transfer to a debt collection agency

Always contact us as soon as possible if you're unable to make a payment. The sooner you do, the more options there are.

We understand it's frustrating when you're unable to meet your payment obligations. Please contact us as soon as possible. Send an email to consument@spraypay.nl and include your loan number, last name and postcode. We'll get in touch within 1 business day to discuss the options.

Contact the agency named on the letter: from that point on, they manage your file. Do you have questions about the transfer? Then feel free to contact us.

Have your guardian or debt counsellor contact us. We cooperate with arrangements made through recognised organisations.

When you're in arrears, late payment interest is calculated on the overdue amount. The longer the arrears lasts, the higher the interest builds up. Pay as soon as possible to avoid further interest. Do you have questions about the calculation? Please contact us.

We understand this can be a stressful situation. There are several options:

• Contact us via consument@spraypay.nl, we'll look for a solution together

• The Nibud offers free help with organizing your finances

• Your municipality can help you with debt counseling

Don't wait too long: the sooner you take action, the more options there are.