Finish your purchase in Tuvalum with Cetelem

How does Cetelem work?

With Cetelem You can finance the 100% of your purchase. You do not need to provide data from any of your cards, since the financing does not require them. In addition, the first receipt will not pay until next month.

Immediate financing If you already have a credit line with Cetelem.

What is Cetelem?

Cetelem It belongs to BNP Paribas Group and since 1988 she specializes in the granting of consumer credits. It is a company dedicated to offering consumer loans, online credit and cards, with more than 30 years of experience in the sector.

What documentation do I need to finance?

• If you are already a Cetelem customer And you have an open line of credit, you will only need to accept financing by introducing a PIN code that you will receive on your mobile phone. You will not have to fill out forms or send additional documentation.
• If you are a new customer Or you don't have a credit line with Cetelem, you will need to contribute the following documentation:

When do I start paying my financing?

The first receipt will be processed to your bank account Day 5 of the following month to the realization of the financing. If the financing is made between the 25th and 31st, the first receipt will be issued Day 5 of the second month.

How to contact Cetelem in case of doubt?

You can solve your doubts through Chat that appears during the financing process. If you prefer, you can also call 917 90 97 38 or write an email to ecommerce@cetelem.es.

What is the process that I have to continue to finance my purchase?

The financing process with Cetelem It is very simple:

1. Choose the bicycle you want to buy on the website Tuvalum.
2. Once in the cart, select the payment method "Financing with Cetelem".
3. You will be redirected to the Cetelem financing process, where you can complete it in a few steps and 100% online:

Finance your purchase in Tuvalum with postponeme

Postpone me It is a payment method that allows you to buy now and pay later, giving you the flexibility of choosing how and when to make your payments. Next, we explain how it works and what are its main advantages.

How does it work for me?

With Postpone me, you can finance purchases to 6.000 € and return the amount in up to 36 months. The process is 100% online, without paperwork. You just need to provide some personal data, and in a matter of seconds, postpone me will show you interest and confirm your credit.

Postpone me It is part of Wizink Bank, a digital bank specialized in consumption financing, which guarantees the safety and transparency of the service. In addition, Wizink is regulated by the Bank of Spain and the Bank of Portugal.

Advantages of postponement

• No paperwork: You do not need extensive documentation. We will only ask you for your ID, NIE or passport to comply with capital laundering prevention regulations.
• Flexibility: You can choose the number of months (up to 36) and the day of the month you prefer to make your payments.
• Fast and simple: The application process is totally online and you will receive an immediate response.

Economic conditions

• Maximum financing: 6.000 €
• Payment deadlines: Until 36 months
• T.A.E: 16.40% for purchases made as of January 16, 2023.

Remember that these conditions may vary according to the promotions available in the store. Check the availability of offers outside these dates.

How to use postpone me in Tuvalum?

1. At the end of your purchase in Tuvalum, select Postpone me As a payment method.
2. Enter the necessary information so that postponement can evaluate your application.
3. Receive an immediate response and confirm the operation.

What documentation do I need?

The system will request an identification document (DNI, NI Postpone me It is regulated by the Bank of Spain.

Customer service

If you have any questions or you need more information, you can contact the customer service of Postpone me sending an email to hola@aplazame.com. The service is available from Monday to Sunday from 9 a.m. to 7 p.m.

With Postpone me, enjoying the bicycle of your dreams is easier than ever, choosing how and when to pay with total flexibility.

Finish your purchase in Tuvalum with Scalapay

SCALAPAY It is an innovative payment method that allows you to buy now and pay later, in comfortable interests without interest. Next, we explain how it works and what are its main advantages.

How does Scalapay work?

SCALAPAY allows you to divide the payment of your purchases into 3 or 4 terms Without interest. You can use this service in both physical and online stores, and receive your products immediately. Payments are distributed as follows:

• First term: It is paid at the time of purchase.
• Second term: A month after the day of purchase.
• Third and final term: Two months after the day of the purchase (or three months if you choose to pay in 4 terms).

SCALAPAY Pay the seller the total amount of the order instantly, while you can enjoy your purchase and pay it in monthly deadlines without additional charges, provided you make payments before the deadline.

Scalapay advantages

• Without interest or commissions: You will not pay any additional charge if you meet the established deadlines.
• Easy and fast: The financing process is 100% online and takes less than a minute to complete.
• Flexibility: You can finance purchases to 3.000 € and choose if you want to pay in 3 or 4 installments.

How much does Scalapay cost?

SCALAPAY It is completely free for you if you make payments within the agreed limit dates. However, if you do not pay on time, you will be applied the following rates for late payment:

• Delay of more than 24 hours: A position of 1,20 €.
• Delay of more than 9 days: A second position of 1,20 €.

The total cost of late payment charges will not exceed 15% of the total order value.

How to use Scalapay?

1. Select SCALAPAY as a payment method at the end of your purchase in Tuvalum.
2. Make the first payment at the time of purchase.
3. The next payments will be made automatically on your card every month, according to the number of fees chosen (3 or 4).

Reminders and automatic payments

Scalapay will send you reminders for SMS and email Before each deadline to ensure that you do not pass any payment. In addition, the quotas will be automatically loaded on the card you have registered at the time of purchase.

What to do in case of problems with payments?

If you are not able to make a payment on time, contact SCALAPAY sending an email to support@scalapay.com before the deadline. They will evaluate your situation and do everything possible to help you.

With SCALAPAY, you can buy what you like in Tuvalum and pay it flexibly, without interest and comfortably.