More advantages for you

Now you can easily finance your purchase with Cofidis. It is very simple.
We offer you two possible ways of financing:

Pay by three instalments without interest.

Or you can pay by instalments which range from 4 to 48 months.

All these conditions with no extra cost or down payment. It is valid for orders from 150 to 3000 €, with instalments starting at 15/€ per month.

It is not necessary to change banks or travel to a local payment office.
Monthly instalments are direct debited to your usual bank. A courier will be sent, completely free of charge, to pick up the contract and the rest of the documents for a worry-free service.

A quick, safe and convenient way of paying.
Your application will be considered in the strictest confidence. You will receive an answer almost immediately.

How to finance your purchase?

1. Register as a user on our website.
Getting financing is as easy as any other way of paying. First of all you will have to register as a customer on our website. If you don’t have a user’s name yet, just create your own account to enter and then register. If you already have a user’s name, just enter your account.

2. Add the products you wish to your shopping cart
Select all the products you are interested in and add them to your shopping cart.

3. Check your order
Check products at your shopping cart and confirm your order.

4. Confirm the delivery of your order.
Check the address, or correct it if necessary. Choose the form of delivery from the ones offered according to the delivery address. If there are any transport expenses they will be included in the financed amount.

5. Confirm the form of payment
Check the invoicing address of your order. It is essential in order to enter the financing programme that the purchase is invoiced in Spain, otherwise the financing will not be accepted. It is also essential that the person applying for the financing is the same as the person that appears on the delivery and invoicing address. No financing will be given with different delivery and invoicing address: If necessary, correct your details.

Once all the previous steps have been concluded, you must choose your preferred form of payment. If you choose financing, then you will have to choose between the following:

• Payment in three months without interest.
• Financing by instalments from 4 to 48 months.

6. Confirm your order.
Once you have chosen and checked your method of payment , you will be directed to the order confirmation site.

Once you have checked your order details, and confirm it, you will be directed to the Cofidis webpage, where you will be given, in strictest confidence and safety, the reference number of your financed purchase and the total amount.

From this moment on, you must follow the instructions given on the screen and fill in all the obligatory fields. You should check that the payments adjust to your economical needs in order to get convenient instalments.

Procedure to follow on Cofidis website

a) Fill in the online form.
It is important that you give the very same details as on the registration form.

b) Verify that the application form has been pre-accepted.
If the answer is yes, a new window with your details, amount and instalments of your new order will show up on the screen.

If, by contrary, it has not been pre-accepted, your order will remain as follow:

• Outstanding order: In this case, COFIDIS will contact you shortly to inform you whether your financing has been approved or dismissed.
• Dismissed financing: COFIDIS could not approve your financing; therefore you must go back to our website in order to request a different form of payment. We advise you to read the “minimum requirements” section that you will find further down.

c) Agreement.
If the procedure has been pre-authorised, you will be shown an agreement that you should print out and sign, along with the General Conditions.

d) Final process.
Once the financing process with COFIDIS is finished, you must go back to the order confirmation page on our online shop. At the same time, you will receive an e-mail confirmation informing you that the order has already been confirmed and the notification from COFIDIS that the procedure has been pre-authorised.

e) Picking up the agreement
A courier company will contact you in order to pick up the documents either in the morning or the afternoon. If it is more suitable for you, you can meet up in a different address, like your working place. It is important to mention the picking up address when the courier company contacts you.

Note: If you prefer not to hand the documents to a courier, you can send them by urgent registered post to the following address:

COFIDIS HISPANIA, E.F.C. S.A. (Sociedad Unipersonal)
Plaza de la Pau s/n, Edificio WTC 1
Cornellà de Llobregat
08940 Barcelona

f) Verifying documents.
Alter receiving and verifying the documents, COFIDIS will contact you in order to confirm the definitive acceptance of your financing. From this moment on, your order will be reckoned as Confirmed on our website and the usual procedure will be follow until delivery time, depending on the conditions of the product.

Minimum requirements

• You must be able to print all the documents generated on the full procedure.
• Age between 18 and 75 years old.
• You must be working for someone else for, at least, 3 months on your current job.
• Self-employed: minimum 1 year of antiquity.
• Housewives: you must give your personal details as well as the working spouse´s.
• You must have legal incomes of 450 € per month minimum.
• You must not be on an outstanding debts list (ASNEF, RAI…).
• You must have a contact telephone number, either a house phone or 2 mobile phones.
• Personal details for the financing must be exactly the same as for delivery and invoicing details. This is, they must belong to the same person.
• Financing valid for the Spanish Peninsule, Balearic Islands and Canarian Islands.

Special situations where financing is not pre-authorised

• Unemployed people or people without payslip.
• Self-employed people that don´t belong to the UE.
• In Spain, "Pensiones no contributivas" and "Rentas inmobiliarias".
• Enterprises.

Requested information

• Credit Financing agreement dully completed and sign by the authorised person.
• Fotocopy of the Identity card.
• Payslip / Income / Pension (as applicable)
• Copy of bank account number (cheques, bankbook…).