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Find the option which best suits you to defer the payment of your purchases.
Easy payment with FlexiCompra*
Benefit from additional financing term possibilities at shops that have joined the FlexiCompra scheme.
Available to customers with card
If you are a Unicaja Banco credit card holder, you already have the services.
Easy and straightforward with Defer your Purchase**
Choose the purchase you wish to defer on your Digital Banking service.
Choose how you want to pay for your purchases with your credit card.
Don't give it another thought, obtain immediate financing through FlexiPurchase at the shop. If you are a Unicaja Banco credit card holder, the service is available at participating stores so that you can choose the installments that suit you best when you swipe your card through the terminal. The store will tell you which methods are available.
BUY IT TODAY AND PLAN HOW TO PAY FOR IT LATER
You don't have to make up your mind right away. If you have made your purchase in a single payment and then had to face other expenses, with our Digital Banking you can select which purchase you want to defer** and you can have the money in your account immediately. You can also modify the installment to pay** once you have finished the transaction. You can also defer your purchases by calling +34 952 07 62 6.
(*) Additional financing term possibilities available for purchases over €55 made with Unicaja Banco Mastercard and/or Visa cards at shops that have joined the FlexiPurchase scheme. Look for the FlexiPurchase logo on shop doors when you make your purchases or find them on the UnicajaMóvil app and consult the financing terms and conditions at the shop. More than 10,000 shops from over 40 sectors of activity have joined this scheme. A wide range of advantages for holders of Unicaja Banco Mastercard, Visa and Unidúo credit cards.
(**) Deferral subject to the institution's criteria, availability of the card's credit limit and solely for purchases made during the current and preceding month up to 15 days after the settlement date (settlement date is on the 1st day of the current month) with Mastercard or Visa credit cards having debit, weekly or end-of-the-month settlement methods. For purchases whose amount is equivalent to or greater than €60 with a minimum capital repayment amount as from €20 a month. Terms and conditions that apply, including interest rate, according to the contract in force. No purchase deferral fee. Having subscribed to Unicaja Banco Remote Services is necessary to request deferral through the Digital Banking service.
AER applicable to credit card transactions made with the deferred (revolving) payment method in a typical example that draws down the card's credit on the first day of the current month for a purchase at a Spanish shop amounting to €1,500 over 48 months, French amortisation method (periodic constant instalments which include capital and interest).
Without card maintenance fee: NIR: 19.00%, AER: 20.74%. Total cost of credit: €651.57. Total amount owed: €2,151.57 (of which €651.57 amount to interest) to be paid in 47 monthly instalments of €44.83 and a last instalment of €44.56.
With card maintenance fee (€44 per year): NIR: 19.00%, AER: 27.00%. Total cost of credit: €827.57. Total amount owed: €2,327.57 (of which €651.57 amount to interest) to be paid in 47 monthly instalments of €44.83 and a last instalment of €44.56. The maintenance fee is paid annually through a single payment at the beginning of each yearly period.
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