Flexible
Two types of financing available: card or loan, always at 0% APR2 and 0% NIR.
New at Facilitea! Pay in 4 installments by credit card and get 5% cash back. Learn more about cashback
Pay commission-free at 0% APR2 with the security of CaixaBank
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All purchases have the security and backing of CaixaBank.
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Frequently asked questions
You can finance your order by paying by card. You'll find all available installment terms on the product page. See the payment methods for all installment terms.
*This information only applies to consumer financing requested by individuals.
We analyze your financial and personal situation to verify that you can repay the financing and that paying the corresponding installment allows you to continue to cover your living expenses normally. If paying your monthly installments doesn't allow you to meet your ordinary living expenses without difficulty, lenders may deny you financing.
It's important for you to know that, to obtain certain information about your solvency and payment capacity, banks must consult external databases of credit risk (CIRBE) and defaults, such as ASNEF, EQUIFAX, or BADEXCUG (among others). To conduct their analysis, banks consider various aspects, such as your account balances, income and expenses, previous financial commitments, and credit history.
Furthermore, to ensure the solvency analysis is as tailored as possible to your circumstances, banks also consider specific parameters such as your age and place of residence. This will allow banks to ensure that, after meeting your monthly payments, including the payment on the new financing requested, your financial stability is not compromised and you can easily meet your family's living expenses. If you don't have recurring income, banks may base the solvency analysis solely on your liabilities (account balances). If you are granted financing under these circumstances, before formalizing the transaction, consider whether you will need the money to cover unforeseen expenses or other specific needs. In this case, assuming the repayment of the new financing installment could jeopardize your financial stability.
Although the institutions analyze your personal and financial situation, you know it better than anyone. Before applying for financing, it is important to consider whether, with the money and income you have, you will be able to afford the repayment and cover any other expenses you may have. The institutions base their solvency analysis on the information they have available about you, but there may be personal circumstances that only you know about and that you should take into account when deciding whether to apply for and formalize the financing.
- TERMS OF SALE: Promotion and sale: Facilitea Selectplace, S.A.U. (“Facilitea”), Gran Via de les Corts Catalanes, 159, 08014 Barcelona. Delivery of the products will be made within a maximum of 7 business days from the order date.
- FINANCING TERMS: Interest-free financing (APR 0%). Loan financing offered by CaixaBank, S.A., and card financing offered by the hybrid payment institution CaixaBank Payment & Consumer, E.F.C., E.P, S.A.U (“CPC”), with registered office at Avenida de Manoteras no. 20, Edificio París (28050 Madrid). CaixaBank, S.A. acts as the agent for the card issuer. The protection system for payment service customer funds chosen by CPC is their deposit in a separate account opened at CaixaBank, S.A. Financing is subject to prior approval and is granted for the full price of the product and exclusively for the purchase of the product from Facilitea. Representative example calculated to finance the total product amount of €500: APR 0% NIR 0%. Term: 20 months. Total amount due: €500. Monthly installments: 20 installments of €25.00. Total cost of credit: €0. French amortization system.
- FINANCING TERMS FOR THE PAY-IN-4 LOAN: Interest-free financing (APR 0%, NIR 0%). Loan financing offered by CaixaBank, S.A., and card financing offered by the hybrid payment institution CaixaBank Payment & Consumer, E.F.C., E.P, S.A.U (“CPC”), with registered office at Avenida de Manoteras no. 20, Edificio París (28050 Madrid). CaixaBank, S.A. acts as the agent for the card issuer. The protection system for customer funds used by payment services chosen by CPC is their deposit in a separate account opened at CaixaBank, S.A. Financing subject to prior approval. Financing is granted for the full price and exclusively for the purchase of the product from Facilitea. Representative example calculated for financing a mobile phone (RRP: €299.00): APR 0% NIR 0%. Term: 4 months. Total amount owed: €299.00. Total cost of credit: €0. Monthly installments: 4 installments of €79.75. French amortization system.
- CASHBACK TERMS: Exclusive promotion for customers with a salary (minimum €600/month), pension (minimum €300/month), or recurring income (minimum €750/month or €9,000/year) directly deposited into a CaixaBank account. Receive a 5% refund on the product price if you pay the purchase in 4 interest-free installments with a credit card sold by CaixaBank. If you used a coupon, the refund will be calculated based on the amount obtained after applying the coupon. The refund will be credited to the current account associated with the card used to make the purchase within a maximum period of thirty (30) days after the end of the withdrawal period and after confirming delivery of the product. Consult the rest of the general purchase conditions. The refund corresponding to this commercial campaign is subject to taxation under the Personal Income Tax (IRPF), as a capital gain not subject to IRPF withholding. The beneficiary of this cashback will be the one who must include it in their IRPF return, being responsible for compliance with their tax obligations in the IRPF. Facilitea is not responsible for the consequences that may arise for the person who obtains the refund, due to obtaining the aforementioned income in accordance with their specific personal and tax circumstances.
NRI: 8851-2025/05143