--- title: Why do I have to pay a deposit (first payment)? description: What if the credit isn't approved? --- [Skip to content](https://help.leanpay.com/en/knowledge/why-do-i-have-to-pay-a-deposit-first-payment#main-content) English Show submenu for translations [![Leanpay logo](https://help.leanpay.com/hubfs/LeanPay%20logo%20-%20final_Leanpay%20-%20black-2-1.svg)](https://help.leanpay.com/en/knowledge?hsLang=en) - Open main navigation Close main navigation - - English Show submenu for translations - - [Contact us](https://help.leanpay.com/en/knowledge/kb-tickets/new) [Contact us](https://help.leanpay.com/en/knowledge/kb-tickets/new?hsLang=en) Hello. How can we help you? - There are no suggestions because the search field is empty. 1. [Help Center](https://help.leanpay.com/en/knowledge?hsLang=en) 2. [For buyers](https://help.leanpay.com/en/knowledge/for-buyers?hsLang=en) 3. [Data entry when applying for a loan](https://help.leanpay.com/en/knowledge/for-buyers?hsLang=en#data-entry-when-applying-for-a-loan) # Why do I have to pay a deposit (first payment)? ## What if the credit isn't approved? In some cases, Leanpay requires immediate first payment to approve the payment with installments. In other cases, Leanpay does not require this, and the first obligation to pay the user is to pay the first installment. If a ring purchase requires immediate first payment, **I can see this in** the application process, for example in standard preliminary information, which I can view in the Leanpay app as the first **step before I decide to proceed with the application.** **A successful first payment confirms my seriousness in major purchases and confirms that I hold a valid and acceptable payment method for Leanpay (and online purchases).** Leanpay uses the amount of the deposit as an immediate partial payment with installments (reduction of the principal of the credit), as is clear in the credit amortization plan. \*\*\* If, after the first payment was made, the credit agreement is not concluded for any reason (for example, due to a subsequent finding that I have provided incorrect or untrue information as a user) without drawing payment in installments (payment for goods or services to the store has not been made), Leanpay returns the first payment received to the same payment method from which it was received (payment card). If the credit has been drawn down and I have a payment obligation to Leanpay as a user, but it is not possible to enter into a credit agreement, Leanpay can set off the first payment against my obligation and only claim me for the difference in payment of the liabilities. It **takes up** to **4** working days to repay the first payment process made through the Leanpay payment card processing system provided I have settled all other liabilities to Leanpay). - [News](https://help.leanpay.com/en/knowledge/news?hsLang=en) - [About Leanpay](https://help.leanpay.com/en/knowledge/about-leanpay?hsLang=en#main-content) - [All about Leanpay company](https://help.leanpay.com/en/knowledge/about-leanpay?hsLang=en#all-about-leanpay-company) - [For buyers](https://help.leanpay.com/en/knowledge/for-buyers?hsLang=en#main-content) - [Check your limit!](https://help.leanpay.com/en/knowledge/for-buyers?hsLang=en#check-your-limit) - [First installment with Leanpay](https://help.leanpay.com/en/knowledge/for-buyers?hsLang=en#first-installment-with-leanpay) - [Data entry when applying for a loan](https://help.leanpay.com/en/knowledge/for-buyers?hsLang=en#data-entry-when-applying-for-a-loan) - ["My Leanpay" - the customer's personal portal](https://help.leanpay.com/en/knowledge/for-buyers?hsLang=en#my-leanpay-the-customers-personal-portal) - [Repayment of obligations](https://help.leanpay.com/en/knowledge/for-buyers?hsLang=en#repayment-of-obligations) - [Completed purchase, verified user, conclusion of credit agreement with Leanpay](https://help.leanpay.com/en/knowledge/for-buyers?hsLang=en#completed-purchase-verified-user-conclusion-of-credit-agreement-with-leanpay) - [Client verification](https://help.leanpay.com/en/knowledge/for-buyers?hsLang=en#client-verification) - [Terms and informational credit calculations](https://help.leanpay.com/en/knowledge/for-buyers?hsLang=en#terms-and-informational-credit-calculations) - [Cancellation of the loan and early repayment of the loan](https://help.leanpay.com/en/knowledge/for-buyers?hsLang=en#cancellation-of-the-loan-and-early-repayment-of-the-loan) - [Creditworthiness, Sisbon credit register, approval, and rejection](https://help.leanpay.com/en/knowledge/for-buyers?hsLang=en#creditworthiness-sisbon-credit-register-approval-and-rejection) - [Miscellaneous](https://help.leanpay.com/en/knowledge/for-buyers?hsLang=en#miscellaneous) - [For vendors](https://help.leanpay.com/en/knowledge/for-vendors?hsLang=en#main-content) - [Instructions for use](https://help.leanpay.com/en/knowledge/for-vendors?hsLang=en#instructions-for-use) - [Procedures - How do I use Leanpay as a vendor?](https://help.leanpay.com/en/knowledge/for-vendors?hsLang=en#procedures-how-do-i-use-leanpay-as-a-vendor) - [General information about Leanpay and the possibilities of using Leanpay](https://help.leanpay.com/en/knowledge/for-vendors?hsLang=en#general-information-about-leanpay-and-the-possibilities-of-using-leanpay) - [Helping customers using Leanpay](https://help.leanpay.com/en/knowledge/for-vendors?hsLang=en#helping-customers-using-leanpay) - [Delivery verification process](https://help.leanpay.com/en/knowledge/for-vendors?hsLang=en#delivery-verification-process) [![LeanPay logo - final\_Leanpay - white](https://help.leanpay.com/hubfs/LeanPay%20logo%20-%20final_Leanpay%20-%20white.svg "LeanPay logo - final_Leanpay - white")](http://leanpay.si) [mailto:info@leanpay.com](mailto:info@leanpay.com) Copyright © 2025, Leanpay