FINANCING

Discover the different forms of financing that Tuvalum puts at your disposal

Cetelem

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

Postpone me

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.

SCALAPAY

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

PayPal

Millions of people trust PayPal to buy, sell and send money without sharing their financial information.Sell ​​and buy online or in personSelect PayPal during the payment process, so you will not have to enter your card information when you make a purchase. PayPal's protection helps you buy with confidence. You can also use PayPal to pay in person with QR codes.Add payment methods to your portfolioYour PayPal portfolio safely stores the information of your bank account, debit or credit card in a single place, you can choose your payment option in the blink of an eye.Pay in 3 -installing interest with PayPal (0%TAE)- Buy what you need, when you need it and divide your purchase into 3 interest without interest in thousands of online stores.- Without interest: pay in 3 terms has no interest or commissions.- versatile and flexible: you can easily pay your purchases in 3 deadlines over two months. In addition, the Paypal app allows you to see and manage your fees to pay. You also have the possibility to reimburse the payment of your quotas when you want and without additional costs.- Receive a quick online response. Your application is examined in real time, so you receive the answer in a few seconds.PayPal Buyer Protection ProgramPurchases that meet the requirements are covered by the PayPal buyer protection program when you do not receive what you bought or does not match your description.Pay in 3 terms "cannot be easier.- Select PayPal as a payment method at the end of your purchase.- You will see the option of "Pay in 3 terms", select it.- You will receive the answer in a few seconds.- Complete your purchase. Check your payment plan whenever you want in the PayPal app and in your account. The images are included for merely illustrative effects.How can I use the "pay in 3 dead" option?You just have to choose to pay with PayPal when you buy online. Access your PayPal account and you will see the "pay in 3 terms" option if both you and the purchase meet the requirements. If so, you can request "pay in 3 terms" in a couple of fast steps and obtain a decision in a few seconds; If approved, you can complete your purchase. We may carry out a consultation at a credit reference agency at the time of the application. In addition, we may have to provide information on how you manage the payment of deadlines to credit reference agencies. Thus, it is important that you are in a position to fulfill the payment of the deadlines and that you are quiet that they are assumed.What amount can I pay with "Pay in 3 terms"?"Pay in 3 terms" is available if your purchase meets the requirements and its amount is between € 30 and € 2000.Should we pay any commission to use "PayPal" 3 -term "?No, there are no commissions associated with "pays in 3 terms", nor commissions for late payment. However, keep in mind that "pays in 3 terms" is a loan that must be reimbursed, so you should consider whether you can deal with the quotas to avoid, for example, the possible impact on your credit history.Do I sign a contract with the seller or PayPal?If your "pay in 3 terms" is approved, you will formalize a contract with PayPal. This means that PayPal is the lender.Where can I see the amounts of my payments and the total amount I have to pay?Access your PayPal account, go to "pay in 3 deadlines", and then click on the "Pay in 3 Dead" Plan you want to consult. You can see the amounts of your previous payments in your "pay in 3 terms" activity. You can also see the amounts of the next payments by clicking on Show upcoming payments. The pending amount of payment is shown in "remaining".

SEQURA

Financia tu compra en Tuvalum con SeQura

SeQura te ofrece varias opciones de financiación para que puedas dividir tus pagos de manera cómoda y sin complicaciones. A continuación, te explicamos cómo puedes financiar tu compra en Tuvalum con las opciones de "Pago Flexible" y "Divide en 3" de SeQura.

Opciones de financiación con SeQura

  1. Divide en 3:
  2. Pago Flexible:

Ventajas de financiar con SeQura

  • Flexibilidad: Puedes elegir el número de cuotas que más te convenga según tus necesidades.
  • Gestión sencilla: Los pagos se realizan de manera automática cada mes, y recibirás confirmaciones por correo electrónico tras cada transacción​ (Sequra).
  • Sin papeleo: No necesitas completar complicados formularios, solo proporciona tus datos personales y comienza a financiar tu compra​ (Sequra).
  • Amortización anticipada: Puedes pagar el total de las cuotas pendientes en cualquier momento sin penalizaciones adicionales​ (Sequra).

¿Cómo utilizar SeQura en Tuvalum?

  1. Al finalizar tu compra, selecciona SeQura como método de pago.
  2. Elige entre "Divide en 3" o "Pago Flexible" y selecciona el número de cuotas que prefieras.
  3. Introduce tus datos personales y realiza el pago de la primera cuota.
  4. El resto de los pagos se realizarán automáticamente cada mes.

Devoluciones y cambios

Si deseas devolver tu pedido, contacta con nosotros para iniciar el proceso de devolución. Una vez confirmada la devolución, SeQura te reembolsará las cuotas pagadas o ajustará las cuotas restantes al nuevo valor del pedido​.

Con SeQura, puedes realizar tus compras en Tuvalum con la tranquilidad de poder pagar a tu ritmo, sin complicaciones y con total transparencia.

PAGOLIGHT

Financia tu compra en Tuvalum con PagoLight

¿Cómo funciona PagoLight?

Con PagoLight, puedes financiar tus compras en Tuvalum hasta 5.000 € y pagarlas en cómodas cuotas mensuales. Este método de pago te permite dividir el importe de tu compra hasta en 24 meses sin costes adicionales.

PagoLight es una solución sin intereses ni cargos ocultos, ideal para aquellos que buscan flexibilidad y simplicidad en su financiación.

¿Qué es PagoLight?

PagoLight es un servicio de financiación "Compra ahora, paga después" ofrecido por Compass Banca S.p.A., parte del Grupo Mediobanca. Te permite pagar tus compras, tanto en tiendas físicas como en línea, en pequeñas cuotas sin añadir ningún coste adicional. Con más de 30 años en el sector financiero, Compass ofrece una solución completamente digital y fiable para tus compras.

¿Qué documentación necesito para financiar?

El proceso con PagoLight es 100% digital, rápido y sin complicaciones. Para solicitar la financiación, solo necesitarás:

  • Documento de identidad válido: DNI, pasaporte o cualquier documento oficial de identificación.
  • Tarjeta de débito o crédito válida para la domiciliación de los pagos. No se aceptan tarjetas prepagadas.

¿Cómo funciona la financiación con PagoLight?

  1. Selecciona PagoLight como método de pago al finalizar tu compra en Tuvalum.
  2. Elige el número de cuotas en las que deseas dividir tu compra.
  3. Introduce tus datos personales y los de tu tarjeta bancaria o selecciona la domiciliación en cuenta.
  4. Verifica tu identidad y confirma la financiación.

Con PagoLight, podrás dividir el pago de tu compra hasta en 24 cuotas sin cargos adicionales, y disfrutar de tu pedido inmediatamente.

¿Cuándo empiezo a pagar mi financiación?

El primer pago se realizará en el momento de la compra, y las siguientes cuotas se cargarán de manera automática cada mes en la tarjeta o cuenta bancaria que hayas registrado.

¿Cómo contactar con PagoLight en caso de duda?

Si tienes alguna pregunta sobre tu financiación con PagoLight, puedes consultar su página oficial o contactar con el servicio de atención al cliente directamente desde el sitio web pagolight.it

Con PagoLight, comprar en Tuvalum es más fácil que nunca, permitiéndote disfrutar de tu bicicleta y pagarla a tu ritmo sin preocupaciones.

ENCUENTRA LA MEJOR OPCIÓN DE FINANCIACIÓN

En Tuvalum, contamos con varias opciones de financiación según el país en el que te encuentres. A continuación, te indicamos las principales financieras disponibles en cada región:

  • España: Sequra - Cetelem - Scalapay -PayPal
  • Portugal: Sequra - Aplazame - PayPal
  • Francia: Sequra - PayPal
  • Italia: Sequra - PagoLight - PayPal

Si tienes alguna duda sobre las opciones de financiación disponibles en tu país o necesitas más información, no dudes en contactarnos.

Estaremos encantados de ayudarte a elegir la mejor opción para ti.

Contacta con nosotros