Payment in Installments
How can I use Aplazame to buy now and pay later?
What payment methods does Aplazame accept?
Can I choose the number of installments and the payment date?
What interest will I pay if I decide to finance?
You will be able to pay later for purchases you make in associated stores at an interest rate between 0% and the maximum APR defined by the store. You can choose between 1 and 36 monthly installments.
Depending on the financial policy applied by each store at any given time, this interest can be reduced to 0% APR in those cases in which the business decides to assume part or all of the financial costs of operations.
Keep in mind that your APR will vary depending on the store where you make the purchase and your credit profile.
Returns and Cancellations
I want to cancel a loan early. Do you penalize me?
How do I return the items of a purchase that I have paid in installments with Aplazame?
To request a full refund of the order, you must contact the store. Make the return as usual.
When the store executes the return, it appears in our system and the full refund, including interest, will automatically be made to the bank card associated with your Aplazame account. It may take up to 10 days for the money to appear in your account, depending on your bank.
If you only return part of the purchase, for example, one of the three products you purchased, the financing will be adjusted by deducting the part of the product that you have returned.
We will not make a direct refund, but rather we will readjust your future installments based on the new amount of the outstanding credit (the amount that remains after subtracting the amount of the refund).
Errors and Documentation
Why hasn't my order been completed?
Why was my financing request denied?
Every Aplazame request is subject to our system's evaluation of the data provided in the form. It is possible that your financing request does not exceed the requirements established by our risk department.
In that case, you can return to the store and complete the purchase using another payment method.
You have not been able to validate the documentation I sent. What should I do?
If we cannot validate the documentation you sent us, we will proceed to cancel the financing request. You can return to the store and repeat your purchase.
Please, when you attach your NIE or DNI, make sure that all your information is read correctly. Check that your DNI/NIE is well focused and illuminated, do not cover information with your fingers or use flash to avoid reflections.
What happens if I don't send my documentation?
To comply with the Money Laundering Prevention Law, we are obliged to ask you for documentation proving your identity.
We need you to attach your DNI or NIE on both sides within 48 hours. You can do it at any time from the link we sent you by email when you requested the credit.
If you do not send it within the deadline, we will proceed to cancel your order and return your ticket.