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Cofidis Pay by Cofidis. Financing with a Cofidis line of credit that allows deferrals on your purchases of up to 50 months for orders between €75 and €3,000. The line of credit opens for the amount of the first purchase and is extendable up to the same limit of €3,000. You can use the same line of credit on your next purchases at Cofidis partners in just two clicks.
1 - What terms can I choose? Mainly you can choose 3, 6, 10, 12, 24 or 50 months. The minimum fee is €15 and the maximum is €475.30. For example, for an order of €150 you will have 3, 6 and 10 installments to choose from. For an order of €500 you can also request 12 or 24 and, for an order of €1,000, you can request it for 50 months. Conversely, you will not be able to place an order for €75 to be returned in 50 months because the resulting installment would be less than the minimum, or €3,000 to be returned in 3 months because the resulting installment would be higher than the maximum.
2 - How much time will I need? Usually 5-7 minutes. Just complete your online application and attach the photos of your DNI/NIE and bank statement.
3 - **When will I receive an answer? For amounts less than €1000 you will receive an immediate response. For amounts over €1000 you will receive a response in less than 48 hours. If your request is not approved, you can complete your purchase through another payment method.
4 - Can I use Cofidis Pay for all products? Cofidis Pay is not available for baskets that contain gift vouchers, purchases of digital products, pre-sale products, food products or products without stock.
5 - When will the charges be made in my bank account? All your installments will be charged to your bank account on the 2nd of each month, with the first installment being charged the month after the financing is accepted.
6 - How can I use my Cofidis Pay again? Between 4 and 6 days after the acceptance of your Cofidis Pay, you will see this option available in your payment methods. For orders over €75 you can use your Cofidis Pay in just two clicks.
7 - Can I return the products if I buy them with Cofidis Pay? The return policy applies to all purchases. If you receive a full refund, you'll be refunded the amount you've already paid, including interest. In the case of a partial refund, the amount of the installments will be modified accordingly and the term will be maintained.
8 - How to find Cofidis Pay during the purchase process? Change the payment method (see below) and select Cofidis Pay.
***The Cofidis Pay line of credit carries a management commission associated with the service costs, for each use of the product. This commission can vary between 0 and 5% of the amount of the drawdown, with a maximum of €150. Consequently, if you make 3 withdrawals, a certain withdrawal commission will be applied to you for each of the withdrawals, which may vary depending on the partner in which you make the withdrawal (financed purchase) and the promotions that it may have at that time in favor of its clients, but always within the previously identified limits. The line of credit has an APR from 0 to 33.88% and interest (TIN) that can vary between 0 and 18% of the amount of the drawdown, which may vary depending on the partner in which you make the drawdown. (financed purchase) and the promotions that you may have at that time in favor of your customers, but always within the previously identified limits.
Financing offered and subject to the approval of Cofidis, SA Branch in Spain for amounts between €75 and €3,000 and terms from 3 to 50 months. Management commission for each variable drawdown between 0 and 5% of the amount of the drawdown. TIN between 0 and 18%. The APR from 0 to 33.88% varies depending on the amount of financing, its term, interest (TIN) and the amount of the management fee. Minimum fee €15 and maximum €475.30.
*Example of financing for amount/RRP €75. Term 3 months. 3 installments of €25. Total amount owed/total price in installments: €75. Management commission on the first drawdown: €0. Total cost of credit: €0. TIN 0%. Minimum APR 0% .
Financing example for amount/RRP €3000. Term 10 months. 1 initial installment of €475.30, 8 installments of €325.30 and 1 residual installment of €323.81. Total amount owed/total price in installments: €3,401.51. Management commission on the first drawdown: €150 (5%). Interest amount: €251.51. Total cost of credit: 401.51. NIR 18%. maximum APR 33.88% .
French amortization system. Financing date of the representative example 01/01/2021 and first repayment 02/01/2021. For other amounts and/or terms, see financing conditions.