PAGA CÓMODO PAYMENTS
Manage the expenses that pass through your account comfortably.
- Pay for costs in your account of €90 or more at your own pace in up to 36 instalments.
- Thes could be costs from this month or from the last three months.
- No questions asked, just because you want to.
- Choose transactions from up to three months ago.
- We'll credit them to your account instantly.
- And tell us in how many repayment instalments you want, from 3 to 36.
Give your money a second chance!
Enjoy it again
Get back the money from your payments: Bizum, bills, transfers, taxes... Any expenses of more than €90 that you have to pay for, or multiple smaller expenses that add up to that amount.
Don't give anything up
With Paga Comódo you can pay little by little, at your own pace, and use your money for what you really want.
Thinking about it?
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How many Paga Cómodo transactions can I make?
As many as you want until you reach your available limit.
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Can I cancel my Paga Cómodo?
Of course. Whenever you want, you can totally cancel one, two... or all you have for free.
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How does Paga Cómodo cost?
The fee varies depending on the amount and the term you have chosen. To give you an idea, here are two examples:
We explain it to you step by step: "play".
You decide, you set the pace of your payments.
Useful information
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The fee varies depending on the amount and term chosen, as does the APR. Therefore, the following maximum and minimum APRs are established:
Maximum APR: Example for a Paga Cómodo of €210, with a nominal interest rate (NIR) of 0% and an APR of 6.15%, arranged on 01.04.25, to be repaid in 4 monthly instalments under the French amortisation system, with the first monthly instalment of €53.40 due on 29.05.2025 (€52.50 principal and €0.90 fee) and three subsequent instalments of €53.40 each (€52.50 principal and €0.90 fee). Total amount owed and total amount of credit: €213.60. Total cost: €3.60.
Minimum APR: Example for a Paga Cómodo of €100, with a nominal interest rate (NIR) of 0% and an APR of 5.02%, arranged on 01.04.25, to be repaid in 3 monthly instalments under the French amortisation system, with the first monthly instalment of €33.73 due on 29.05.2025 (€33.33 principal and €0.40 fee), a second instalment of €33.73 (€33.33 principal and €0.40 fee) and a final instalment of €33.74 (€33.34 principal and €0.40 fee). Total amount owed and total amount of credit: €101.20. Total cost: €1.20.
Financing term between 3 and 36 monthly repayment instalments. The first instalment will be collected on the third-to-last business day of the month following the date of arranging the service. All current account transactions carried out in the last 3 months can be split into instalments, except for credit card statements with the deferred (“revolving”) payment method, credit card statements made in full at the end of the month that include the Split Purchases service, statements from other finance companies (except El Corte Inglés and AMEX) and Bankinter mortgage and loan repayments. Service subject to authorisation in case of a change in your economic-financial situation at the date of arrangement.
Financing offered by Bankinter Consumer Finance EFC, SA, registered in Banco de España under no. 8832 with registered office at Avda. de Bruselas 12, 28108 Alcobendas (Madrid) and registered in the Mercantile Registry of Madrid in Volume 22,729, Folio 181, Sheet M-259543 and with Tax ID code A82650672.