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InstantCredit

Your customers pay month by month; you grow more and more

 I’m interestedI’m interested The fast, secure and 100% digital instalment plan solution.
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InstantCredit

More ways to pay, more reasons to buy

 Make it easy for your customers to pay in instalments with a financing solution integrated in the Smart POS terminal1 via the InstantCredit app2. The credit application and granting process is quick, easy and entirely digital, so you can offer a better shopping experience with guaranteed collection of payment in advance. Find out more Find out more
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What do you need to know about InstantCredit?
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It’s immediate: Your customers receive financing as soon as they complete their purchase through the POS terminal, with no paperwork.
It's secure: Payment is guaranteed because you receive the full amount upfront in your bank account.
It’s flexible: It accepts VISA and Mastercard, from any bank, so your sales grow with no limits.
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Main
advantages for
your business
Boost sales with no extra costs Increase the average sale ticket by making products with higher value more affordable and expand your customers’ purchasing opportunities.
Guaranteed payment up front Receive the amount of each sale up front.
Continuous advice from our experts Rely on the support of experts to boost the sales of your business.
Possibility of offering  0% APR3 credit campaigns Offer interest-free credit to make your products more affordable and attractive for your customers.

Main advantages for the consumer

  • The process is fast and 100% digital

     Take out credit flexibly and 100% online.

  • The first payment is made the following month

     Choose the payment day that suits you best.

  • No need to change bank

     Get financing for your purchases without changing your usual approach.

  • Security and peace of mind

     Financing offered by Sabadell Consumer Finance, a member of the Banco Sabadell Group.

  • The process is fast and 100% digital

     Take out credit flexibly and 100% online.

  • The first payment is made the following month

     Choose the payment day that suits you best.

  • No need to change bank

     Get financing for your purchases without changing your usual approach.

  • Security and peace of mind

     Financing offered by Sabadell Consumer Finance, a member of the Banco Sabadell Group.
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How does the InstantCredit work in the Smart POS terminal?
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01 You enter the amount of the purchase in your Smart POS terminal.

02 The customer chooses the instalments and enters their mobile number to receive a link to the credit application.

03 They complete the application form and receive a QR code on their mobile phone.

04 You scan the QR code with the POS terminal and the money from the sale hits your account straight away!

To request the app or receive more information, contact your relationship manager. %> I'm interestedI'm interested
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You choose how to talk to our team specialized
in businesses and self-employed professionals

On the website and the app

 Written consultations via our Customer Help Area Customer Help Area for your company profile.

Priority phone support

 For the self-employed and businesses.
Call 962 000 610, Monday to Friday from 8.00 am to 5.00 pm, Friday from 8.00 am to 3.00 pm and for urgent issues we are available 24 hrs.

Appointment at a branch

 Make an appointment at one of our 1,000 branches.
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Legally binding terms and conditions
1. All the POS terminals are products of PAYCOMET S.L.U. and marketed by Banco de Sabadell, S.A. Paycomet is a Payment Entity, part of the Banco Sabadell Group, with registered office in Torrelodones (Madrid) at Calle Camino de Valladolid 2, Local, registered in the Mercantile Register of Madrid, Volume 40,715, Folio 165, Page M-722,484, holder of Tax ID No. B95842522. Paycomet retains the funds received from users via a deposit in a separate account opened with Banco de Sabadell, S.A. Banco de Sabadell, S.A. will access the data related to the type of POS terminal, its status and billing in its capacity as marketer of Paycomet, S.L.U.

2. InstantCredit is the digital consumer finance solution for goods and services offered by Sabadell Consumer Finance, S.A.U. Sabadell Consumer is a credit institution belonging to the Banco Sabadell Group, with registered office at Pl. Catalunya, 1, 08201 Sabadell, tax ID A63574719, registered in the Mercantile Registry of Barcelona, volume 42,960, folio 80, page B295423, entry 73. Offer subject to the adherence to a collaboration agreement with Sabadell Consumer and the prior authorisation of the financing by the Bank. Digital solution available in the Smart POS terminal, Smart Mini POS terminals and Smart Dual Screen POS terminal. 

3. Representative example for a €900 loan with a term of 12 months. Cash sale price: €900. Opening fees: 0% (€0). NIR: 0.0%, APR: 0.0% in 12 monthly instalments of €75. Total amount due and total price in instalments: €900. Total cost of the credit: €0.00. French repayment system. Financing offered and subject to the approval of Sabadell Consumer Finance, S.A.U.
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BusinessPOS InstantCredit
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