Why the term of the linked consumer credit "Klix" agreement is longer than the period without interest (eg. Klix 6)?

If you have been offered and have chosen one of our (Klix 1 / Klix 3 / Klix 6 / Klix 10 or Klix 12)" products, for example, Klix 6, you have the opportunity to repay the entire loan within 6 months without paying interest. If you repay the full amount of credit within an interest-free period, the agreement is automatically closed.

The loan term is longer because Citadele bank has already immediately given you the opportunity to pay the loan in smaller installments if you cannot do so during the period during which interest is not charged.

The last page of the loan agreement gives you an example of how you can make monthly payments to cover (pay off) the loan during the period without interest.