Cetelem one of the best 100% online financing solutions

That makes us different?
You can finance 100% of your purchase.
No card (we do not need to provide data from any of your cards).
The first receipt will not pay until next month.

Immediate financing if you already have Cetelem credit line

What is Cetelem?Cetelem belongs to the BNP Paribas Group and since 1988 we are specialists in the granting of consumer loans. We are a company specialized in the granting of consumer loans, online credit and cards, belonging since 1988 to the BNP Paribas Group.

What documentation do I need to finance?If you are already a Cetelem client and you have a credit line with us, you will just need to accept your financing by entering a PIN code that we will send to your mobile phone without filling forms or sending documentation.
If you are a new Cetelem customer or you do not have a credit line with us, the documents that we will need for your part are:
DNI on both sides or residence card (in the case of resident foreigners, we will also need the official identity document of your signed country or passport in force).
JUSTIFY OF INCOME (last payroll in the case of being wage earner, last income statement if you work as an autonomous, or a letter of revaluation of the pension if you are a pensioner).
First page of the bank book or a domiciled receipt where the Code Iran and the account holder, who will have to be the same person who is requesting the financing.

What is the amount I can finance?Minimum amount to be financed ≥ 90 € and minimum monthlyness ≥ € 12. We do not have established a maximum amount to be financed, but we are very committed to granting a responsible loan adapted to the needs of each client.
When do I start paying my financing?
The first receipt will be processed to your bank account on the 5th of the month following the realization of the financing. If the financing is made between the 25th and 31st, the first receipt will be issued on the 5th of the 2nd month in which the financing was made.
In case of having any questions, how can I contact Cetelem?
You can make your queries through the chat that appears during the financing process, if you prefer 917 90 97 38 or through our email ecommerce@cetelem.es.

What is the process I have to continue to finance my purchase?The process is very simple:
Choose the products you want to buy on the web.
Once in the cart, choose the payment mode "Financing with Cetelem."
Next you will be aimed at our financing process, where you can make financing in very few steps and 100% online:
If you are a Cetelem client and you already have a credit line, you will only need to accept your financing by introducing a PIN code that we will send you by SMS to your mobile.
If you do not have a credit line or you are a new customer, you can finance your purchase in less than you expect. You will only need to attach the documentation you have detailed in point two: What documentation do I need to finance?

Do you need more information about Cetelem products?You can learn more about our products at www.cetelem.es. *Only available in the following countries: Spain

Buy now and pay later with postpone meThat nothing prevents you from enjoying the bicycle of your dreams. Buy when you need and pay it later. Choose the formula to pay later that it comes best. With applaud me it is as simple how to do it with your usual card.
You can finance purchases up to € 6,000.
Decide how you want to pay up to 36 installments.
100% online financing and it will take less than a minute
As of January 16, 2023 T.A.E of 16.40% in those purchases made through the store.
Check out of dates.

What is postpon to me?Play me is a payment method for your purchases.
We give you up to € 6,000 to buy in Tuvalum and return them up to 36 months. No documentation or paperwork. We will only ask you for a pair of personal data. You tell us the number of months you want to pay and the day you want to do it. We show you interest and confirm your credit in seconds.
In postponement we have the robustness and liquidity necessary to offer financing to our clients, since we are part of Wizink Bank.
Wizink is a digital bank expert in credit cycle management, which seeks to lead the digital consumption financing market in Spain and Portugal.
The Wizink Group offers its customers various digital, agile, simple and transparent consumption financing solutions. In addition, it has a growing business of savings products. It is supervised and regulated by both Banco de España and Banco de Portugal.

What documentation do I need to finance?The system will request that your identification document (ID or NIE) attach.
To comply with the law of money laundering, being an entity regulated by the Bank of Spain, we need to identify our clients through the contribution in the form of their identification document, well ID , as appropriate.

How does it work to me inside the store?We appear as a payment method available within the options in the checkout of a trade.
By selecting postponeme we will request information to evaluate your request and give you an answer to the moment.

How do you contact customer service?Get in touch with our customer service team at the email hello@aplazame.com
We help you from Monday to Sunday from 9 p.m.

Do you need more information about postpone me?You can learn more about our products at www.aplazame.com

What is the process I have to continue to finance my purchase?The process is very simple:
Choose the products you want to buy on the web.
Once in the cart, choose the "postpone me" payment mode.
You will then be aimed at our financing process, where you can make financing in very few steps and 100% online.

Buy Now and Pay Later with Scalapay Choose what you like and pay it off gradually. An innovative payment method that allows you to get the things you love and pay for them with ease. Buy when you need to and pay later. NO INTEREST. Choose the payment plan that suits you best. With Scalapay, it's as simple as using your regular card.
You can finance purchases up to €3,000.
Decide how you want to pay in 3 or 4 installments.
100% online financing and it takes less than a minute.

How Does Scalapay Work? Scalapay is an innovative payment method that allows customers to buy in-store and online, receive products immediately, and pay in up to 4 convenient equal installments with a monthly deadline.
The service has no additional charges for the customer if installments are paid before the deadline.
At the time of purchase, the first installment will be charged immediately (equivalent to one third or one quarter of the total purchase value). The next 2-3 installments will be charged monthly.
First installment: at the time of purchase
Second installment: 1 month after the purchase date
Third and final installment: 2 months after the purchase date

Scalapay immediately pays the seller the total amount of the order and assumes all risks of fraud and non-payment.

How Much Does Scalapay Cost? Scalapay is completely free for those making purchases, as long as installments are paid within the agreed deadline.
You will only be charged a late payment fee if one or more of the planned installments are not paid before the deadline.
Scalapay will remind you a few days before the deadline of each installment via SMS and email.

Late Payment Fees If you haven't made the payment before the deadline and the automatic payment is not successful, you have 24 hours to complete the payment. If this does not happen, Scalapay will charge you a late payment fee as explained below:
Payment made before the expiration date: without any charge!
Late payment of more than 24 hours: additional charge of 1.20 EUR
Late payment of more than 9 days: additional costs of 1.20 EUR (in addition to the previous charge)
The total cost of fees will not exceed 15% of the total order value (second and third installment). We understand that certain situations may arise that prevent payments from being made on time. If you believe your case falls into this category, please email support@scalapay.com before the payment deadline and we will do our best to assist you.

How Much Can I Buy with Scalapay? Your purchasing power depends on several factors. These include: the store you are purchasing from, the type of card you are using, whether you have already made a purchase with Scalapay, and canceled your previous purchases without delay.
If you are a new customer and have never made a purchase with Scalapay, your purchasing power may be limited and will increase the more you purchase with Scalapay without any payment delays.
Remember that:
Your purchasing power does not depend on your card's credit.
Scalapay does not use external sources to assess the solvency of each customer.
Scalapay cannot provide detailed information about the purchasing power of a single customer.

What Is the Deadline for 3 or 4 Installments? At the time of purchase, the first installment will be charged immediately (equivalent to one third of the total purchase value). The next 2 installments will be charged monthly.
First installment: at the time of purchase
Second installment: 1 month after the purchase date
Third and final installment: 2-3 months after the purchase date
Each installment will be automatically charged to your default card on the deadline date.

Scalapay Helpcenter