When processing the payment, you can choose between two payment methods with financing provided by the authorised financial entity Cofidis S.A. Sucursal en España:
Now that sellers are making the latest in technology, fashion, decor, beauty, health, and much more, available with Amazon Pay, your wish list has become a reality.
When you opt for Pay in 4, you will be directed to an external Cofidis page to complete an application, where you can review the amount to be paid in each instalment, the applicable fees and interest, as well as the total amount to be paid.
When you choose to pay with Credit Line, you will be able to reuse your existing Credit Line on Amazon.es to finance purchases on Amazon.es or through Amazon Pay.
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Choose Credit Line as your payment method when available.
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You will be directed to the Cofidis financing application to reuse your existing Credit Line.
How do I pay with Pay in 4 or Credit Line?
Pay in 4
When using Amazon Pay for your purchases outside of Amazon.es, you can select Pay in 4 as a payment method and pay in four instalments using your bank card.
When you select Pay in 4, you will be directed to the Cofidis financing application to fill out your financing request online.
Once the form is completed, Cofidis reviews your request, and you will receive an immediate online response.
You can see more information about how to use Pay in 4 via Amazon Pay on the help page “Introduction to Pay in 4 with Cofidis”.
Credit Line
To use Credit Line when buying on the websites of sellers based in Spain with Amazon Pay, you need to have successfully requested Credit Line with Cofidis during the payment process on Amazon.es and have marked Credit Line as a payment method in your Amazon account.
Once Cofidis has approved your Credit Line request, you will be able to use this service as a payment method both on Amazon.es and with sellers in Spain that use Amazon Pay, within the limits of your credit facility.
How do I make payments?
Pay in 4
The instalments are charged to the debit or credit card that you have linked to your contract.
For Pay in 4, the first payment will take place when the last item in the order has been sent to the buyer.
As soon as the entire order has been sent, Cofidis will collect the fees in the following 90 days, according to the following payment schedule:
First payment: Delivery date of the last product + 1 day
Second payment: Delivery date + 32 days
Third payment: Delivery date + 63 days
Fourth payment: Delivery date + 90 days
Credit Line
For Credit Line, the collection date for receipts is the 2nd of each month.
If the date of issue of the merchandise is after the accounting closing date, the first receipt will be collected on the 2nd day of the second month following the contract.
What cards can I use to buy now and pay later?
Cofidis accepts any credit, debit and prepaid card, except American Express, and foreign cards.
Is there an order limit?
Pay in 4
You can use Pay in 4 for all orders between €60 to €1000. Exclusions apply.
If the total order value is less than €60 or more than €1000, please choose a different payment method during the Amazon Pay checkout process.
Credit Line
You can use the Credit Line for all orders between €45 and €3000, depending on the remaining credit line limit. Exclusions apply.
If the total order value is less than €45 or more than €3000, please choose a different payment method during the Amazon Pay checkout process.
What fees or interests apply when I use Pay in 4?
When you process a payment with Pay in 4, you will be charged an initial fee of 2.5% of the amount financed.
For example, if you finance a purchase of €1000 with Pay in 4, the total price to be paid will be €1025, divided into four instalments of €256.25 each.
The Annual Percentage Rate (APR) varies depending on the amount owed and the initial fee.
Further questions?
For questions related to your credit application or Cofidis financing, visit the Cofidis website.
Pay in 4 Terms and conditions
Financing option subject to the approval of Cofidis S.A. Sucursal en España for purchases with a total amount of between 60 and €1000 in 4 instalments/90 days.
Opening commission of 2.5% of the financed amount.
The APR varies depending on the amount financed and the opening commission.
The financial intermediary selects the APR for each transaction.
Example of a financing option for an amount of €1000:
4 instalments of €256.25.
Total amount owed/total price in instalments:
€1025. Opening commission financed/total cost of the loan:
€25 (2.5%). NIR 0%.
Maximum APR 21.54%.
Example of a financing option for an amount of €60: 4 instalments of €15.37. Total amount owed/total price in instalments: €61.48. Opening commission financed/total cost of the loan: €1.48 (2.5%). NIR 0%. Minimum APR 21.23%.
Example of financing dates: for a purchase made on 2/5/2022, the first instalment will be charged on 3/5/2022, the second on 3/6/2022, the third on 4/7/2022, and the fourth on 31/7/2022.
French amortisation system.
In the case of other amounts and terms, consult the financing conditions of the financing request.
Credit Line
The line of credit has an APR of 0 to 19% and a nominal interest rate (NIR) that can vary from 0 to 17.52% of the amount financed.
Financing option subject to the approval of Cofidis, S.A., Sucursal en España for orders of €45 to €3000 in instalments of 3 to 30 months.
NIR between 0 and 17.52%. APR from 0 to 19% depending on the amount financed, the instalment option chosen and the NIR.
Minimum fee of €15.
* Example of financing option for an amount of €45 in 3 months: 3 instalments of €15. Total amount owed/total price in instalments: €75. Total cost of credit: €0. NIR 0%. Minimum APR of 0%. * Example of a financing option for an amount/RRP of €3000 in 3 months: 2 instalments of €1029.34 and 1 residual instalment of €1030.09. Total amount owed/total price in instalments: €3088.77. Amount of interest/total cost of the loan: €88.77. NIR 17.52%. Maximum APR of 19%.
French amortisation system.
Example of financing dates: for a purchase made on 2/5/2022, the first instalment will be charged on 2/6/2022, the second on 2/7/2022 and the third on 2/8/22.