(*) 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 and Visa 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.
