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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 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 €100.
You divide it into 3 parts.
You only pay a fee of €1.80 (7.66% APR).2
A Paga Cómodo for €500.
You divide it into 3 parts.
You only pay a fee of €10.80 (9.25% APR).3
We explain it to you step by step: "play".
You decide, you set the pace of your payments.
Useful information
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Show/Hide legal text1 Example for a Paga Cómodo payment of €1,500, made on the 1st of the month, with a repayment period of 13 months, NIR 0% and APR 0%, first instalment €0 and 12 remaining instalments of €125 each. Total repayment amount: €1,500. Interest: 0€. Total cost: 0€. French repayment system.
Promotion valid for the first payment made with Paga Cómodo until -. 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.
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.
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Show/Hide legal text2 Example for a Paga Cómodo of €100, TIN 0% and APR 7.66%, carried out on 01.02.23, 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 31.03.2023 of €34 (€33.40 capital + €0.60 fee) and then two instalments of €33.90 (€33.30 capital + €0.60 fee). Total amount owed and total amount of credit: €101.80. Total cost: 1,80€. French repayment system.
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Show/Hide legal text3 Example for a Paga Cómodo of €500, TIN 0% and APR 9.25%, carried out on 01.02.23, 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 31.03.2023 of €170.30 (€166.70 capital + €3.60 fee) and then two instalments of €170.25 (€166.65 capital + €3.60 fee). Total amount owed and total amount of credit: €510.80. Total cost: 10,80€. French repayment system.
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Show/Hide legal textThe 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 of €210, TIN 0% and APR 10.46%, carried out on 01.02.23, 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 31.03.2023 of €54 (€52.50 capital + €1.50 fee) and then three instalments of €54 (€52.50 capital + €1.50 fee). Total amount owed and total amount of credit: €216. Total cost: 6€. French repayment system.
Minimum APR: Example for a Paga Cómodo of €120, TIN 0% and APR 5.27%, carried out on 01.02.23, 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 31.03.2023 of €40.50 (€40 capital + €0.50 fee) and then two instalments of €40.50 (€40 capital + €0.50 fee). Total amount owed and total amount of credit: €121.50. Total cost: 1,5€. 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.