Baloon

A lending platform that funds instalment purchases at partner merchants (Digikala among them), with no guarantor and no down payment. On 15 September 2026 the site states loans of up to 85 million toman; an August 2026 read of the same site, from a search snippet, gave 15 million toman, and both readings are reported rather than choosing between them. Conditions stated: an A or B credit rating with no bounced cheques or overdue facilities, and a Bank Saman or Blu account.

The loan calculator on the Baloon home page prints, in its default state on 15 September 2026, a rate it labels as Blu Bank Saman profit of 23 percent, and a worked example: goods of 30,000,000 toman over 18 instalments gives an instalment of 1,986,431 toman with a down payment of zero. The printed rate and the worked example are given here rather than an annual percentage rate, which the page does not state.

The company own home page states that the borrower provides one purple Sayadi cheque in their own name and then borrows, and it names the approved security as a single Sayadi cheque. It states there is no down payment and no guarantor.

The site describes Baloon as the lendtech service of its group, designed to make the financing route for customers faster, simpler and safer, and offers it to other businesses that need a way to give their own customers instalment facilities or easy credit. The wording frames Baloon as an infrastructure product sold to merchants, not only a consumer lender.

The platform's own terms of use name the contracting company as Rahkarhaye Mali Hooshmand Saman, "hereafter called Baloon", and print its registration number. Baloon is the brand; that company is the legal operator. The registration number printed on the page is the one shown in this profile.