Business Profile
Aplazame provides buy-now-pay-later financing at the point of sale, enabling customers to split purchases into installments with quick approvals, transparent terms, and optional store-driven interest or interest-free options.
Merchants (retailers and e-commerce platforms) seeking to increase average order value and conversions, and their customers who want to pay over time.
Fast credit decisions (often 3 minutes) with no payroll or bureaucratic paperwork, flexible installment options (3–36 months and also 4-payments), optional 0% interest in participating stores, and an app-based payment management experience including an insurance option for payments.
Credit decision can occur within minutes (examples cite 3 minutes); merchants can implement and start offering Aplazame as a payment method at checkout; mobile app available for ongoing management.
Various customer quotes highlight fast credit approvals, ease of use, good customer service, and positive experiences with Aplazame across multiple merchants.
Aplazame offers buy-now-pay-later financing at the point of sale, enabling customers to pay in installments (3–36 months) or in 4 payments, with optional 0% interest in participating stores, no payroll paperwork, and a mobile app to manage payments. It operates under credit approval provided by Wizink Bank (S.A.U.) and supports merchant integrations.
Merchants seeking to enable financing at checkout and consumers who want to pay over time for purchases
Transparent, flexible financing at checkout with rapid approvals, no payroll requirements, multiple installment options (including 4-payments), optional store-specific 0% interest, and a mobile app for payment management plus an insurance option for payment protection.
Requires integration by merchants as a payment option; credit approval is handled by Wizink Bank (S.A.U.); supports mobile app usage for customers; subject to store-specific terms including interest rates and installment terms.
Opening commission shown as 0€ in example; interest rate example provided (TIN 18.33%, TAE 19.95%) for a sample financing scenario; pricing and terms vary by merchant/store policy; some options include 0% TAE at the store level; 3–36 monthly payments; 4-payments option advertised as no-interest in specific cases.
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