What is Pay+Late?

• Paga+Tarde is a financial entity that carries out all its operations through Pagantis, an entity regulated by the Bank of Spain.
• Considered as a pioneer company, at a national level, in instant consumer credits, it has extensive experience in the financial sector and means of payment.
• Its offices are located in Madrid and Barcelona and have more than 100 employees who are responsible for ensuring the safety and trust of customers.

Who can buy with Paga+Tarde?

• Any person over 18 years of age, with DNI (National Identity Document) or with NIE (Foreigner Identity Number) and who has a national bank card.
• You do not need any document such as proof of income or payroll, just have your national bank card at hand.

How do I pay my fees?

• First installment: The first installment will be charged after indicating the details of your bank card in the last step of your financing request.
• Subsequent installments: Paga+Tarde will automatically charge your monthly payments to the card that you provide us during the contract.

Can I advance my pending payments?

• From Paga+Tarde you can amortize your pending payments at any time and finalize your financing. In case of advancing all the installments, the total interest to be paid decreases, paying only the interest in relation to the time that you have had the financing.

What happens if I return the product that I have purchased?

• Don't worry, it will follow the same process as a normal return. We will refund all of your money paid so far and the outstanding capital will be cancelled.

What can I do from the Paga+Tarde user panel?

• Once you access your user panel, you can consult all the information regarding your financing, as well as advance monthly payments or even the entirety of your purchase.
• You must go to My Account and enter your ID and password