PAGA CÓMODO PAYMENTS

Manage the expenses that pass through your account comfortably.

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.

Try it now

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Your first Paga cómodo
in up to 12 instalments
FREE

Your first Paga Cómodo
Free

0% APR¹

Valid until -

Give your money a second chance!

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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?

How many Paga Cómodo transactions can I make?

As many as you want until you reach your available limit.
Can I cancel my Paga Cómodo?

Of course. Whenever you want, you can totally cancel one, two... or all you have for free.
How does Paga Cómodo cost?

The first one you do is completely free. Thereafter, you can pay comfortably pay for a minimal fee. To give you an idea, here are two examples:

A Paga Cómodo for €120.

You divide it into 3 parts.

You only pay a fee of €2.40 (8.53% APR).²

A Paga Cómodo for €500.

You divide it into 3 parts.

You only pay a fee of €10.80 (9.24% APR).³

We explain it to you step by step: "play".

You decide, you set the pace of your payments.

Try paga cómodo

Useful information

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¹ Example for a Paga Cómodo purchase of €1,500, made on the first day of the settlement period, with a repayment period of 13 months, NIR 0% and APR 0%, first instalment of €0, 12 instalments of €125. Total repayment amount: €1,500. Interest: 0€. Total cost: 0€. French repayment system.

Promotion valid for the first purchase made with Paga Cómodo until 30.06.2025. Minimum amount: €90 Minimum instalment €30. Repayment term of 4 to 13 months, including a total grace period of one month. All current account transactions carried out in the last three months can be split, except for credit card bills with the deferred payment method ("“revolving”"), credit card bills with the end-of-month payment method and that include a Compra Smart purchase, bills from other finance companies (except El Corte Inglés and AMEX), and Bankinter mortgage and loan instalments.
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² Example for a Paga Cómodo purchase of €120, NIR 0% and APR 8.53%, made on 01.04.25, with a repayment period of 4 months, the first month being a total grace period in which no charge will be made to the account. First instalment on 29.05.2025 for the amount of €40.80 (€40.00 principal + a fee of €0.80) and two three following instalments for the amount of €40.80 (€40.00 principal + a fee of €0.80). Total amount owed and total amount of credit: €122.40. Total cost: 2,4€. French repayment system.
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³ Example for a Paga Cómodo purchase of €500, NIR 0% and APR 9.24%, made on 01.04.25, with a repayment period of 4 months, the first month being a total grace period in which no charge will be made to the account. First instalment on 29.05.2025 for the amount of €170.26 (€166.66 principal + a fee of €3.60), a second instalment of €170,26 (€166.66 principal + a fee of €3.60) and a final instalment of €170.28 (€166.68 principal + a fee of €3.60). Total amount owed and total amount of credit: €510.80. Total cost: 10,80€. French repayment system.
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The fee varies depending on the amount and term chosen, as does the APR. The maximum and minimum APRs are as follows:

Maximum APR: Example for a Paga Cómodo purchase of €210, NIR 0% and APR 9.72%, made on 01.04.25, with a repayment period of 5 months, the first month being a total grace period in which no charge will be made to the account. First instalment on 29.05.2025 for the amount of €53.90 (€52.50 principal + a fee of €1.40) and the three following instalments for the amount of €53.90 (€52.50 principal + a fee of €1.40). Total amount owed and total amount of credit: €215.60. Total cost: 5,6€. French repayment system.

Minimum APR: Example for a Paga Cómodo purchase of €100, NIR 0% and APR 7.66%, made on 01.04.25, with a repayment period of 4 months, the first month being a total grace period in which no charge will be made to the account. First instalment on 29.05.2025 for the amount of €33.93 (€33.33 + a fee of €0.60), a second instalment of €33.93 (€33.33 principal + a fee of €0.60) and a final instalment of €33.94 (€33.34 principal + a fee of €0.60). Total amount owed and total amount of credit: €101.80. Total cost: 1,80€. French repayment system.

Repayment term of 4 to 37 months, including a total grace period of one month. All current account transactions carried out in the last three months can be split, except for credit card bills with the deferred payment method ("“revolving”"), credit card bills with the end-of-month payment method and that include a Compra Smart purchase, bills from other finance companies (except El Corte Inglés and AMEX), and Bankinter mortgage and loan instalments. Service subject to approval if your financial situation has changed on the day that you apply for it.

Financing offered by Bankinter Consumer Finance EFC, S.A., registered with Banco de España under no. 8832, registered office at Avda. de Bruselas 12, 28108 Alcobendas (Madrid), entered in the Madrid Companies Register, Volume 22,729, Folio 181, Sheet No. M-259543, Tax ID Number A82650672.