We want your shopping experience in our store to be flexible and simple. From today you can finance your orders with Aplázame (a brand of WiZink) or Pepper Finance, two 100% digital solutions that let you pay in instalments in a convenient, transparent way.
Quick summary
Online process in minutes, a choice of instalments, secure sign-up and the option to change your payment date. The exact conditions (APR/TAE, fees and terms) depend on the amount and each customer's profile.
In this article
What is Aplázame (WiZink) and how does it work?
- A consumer financing platform linked to WiZink Bank, S.A.U..
- It lets you split your purchases into regular instalments, usually between 1 and 36 months depending on the retailer and the amount.
- A simple digital process: you choose your instalments, fill in some basic details, then verify and sign online.
- You can change your payment date and check your instalment plan from your customer area.
- In certain promotional campaigns, there may be 0% APR financing at participating retailers.
Key advantages
- Backed by a specialist bank (WiZink).
- Flexible terms and a 100% digital experience.
- Occasional campaigns with promotional interest rates.
- Clear management of instalments and payment calendar.
Bear in mind
- The total cost depends on the number of instalments and your profile.
- If you miss a payment, surcharges may apply under the contract.
- Always check the nominal rate (TIN), APR (TAE), fees and the representative example.
What is Pepper Finance and how does it work?
- A deferred payment solution for online purchases and in physical shops.
- Quick sign-up with no paperwork: you choose your instalments, provide the essential details and sign with your phone.
- The first instalment is charged when you sign up and the rest monthly to your card.
- In the customer app you can check, pay early or adjust the charge date.
- A fixed instalment approach to make it easier to plan your spending.
Key advantages
- A very fast, 100% digital process.
- A fixed instalment with no surprises each period.
- Manage your financing from the app.
- Omnichannel: available online and in physical shops.
Bear in mind
- The final conditions depend on a solvency check.
- Check the nominal rate (TIN), APR (TAE), fees and the total amount owed.
- Check for possible surcharges for missed payments or returned charges.
Aplázame vs Pepper Finance: key points
| Feature | Aplázame (WiZink) | Pepper Finance |
|---|---|---|
| Backing | A brand of WiZink Bank | A specialist financial institution |
| Process | Digital, with online verification and signature | 100% digital, signed with your phone |
| Terms | Up to 36 months depending on the retailer and amount | Variable depending on amount and profile |
| 0% APR promotions | Available in occasional campaigns | Not usually offered publicly |
| Instalment management | Date changes and tracking in the customer area | App to check, pay early and adjust the date |
How to use these options in our store
Step by step
- At checkout, select Financing with Aplázame or Pepper Finance.
- Choose the number of instalments available for your amount.
- Fill in the details requested and sign digitally.
- You will receive confirmation and your payment calendar.
- Manage your instalments and charge date from your customer area or app.
Transparency above all: before confirming, check the nominal rate (TIN) and APR (TAE), the arrangement fee if there is one, the number of instalments and the total amount owed. That way you can choose with complete confidence.
With Aplázame and Pepper Finance we are taking one more step so you can buy with peace of mind and pay at your own pace. If you have any questions, our team will be happy to help you choose the option that suits you best.
If you prefer to pay in full, you can also do so with instant bank transfers. And don't forget that every purchase earns points in Pino Privilege, our loyalty programme, and that you can sign in to your account with Google, Facebook or ShopPay.
