Advertising.(1) Loans offered by CaixaBank Payments & Consumer, E.F.C., E.P., S.A.U., and subject to its approval. The minimum amount is €500, and the repayment period is from 12 to 84 months, your choice. Minimum payment of €20. The NIR of the loan may vary depending on the amount, duration and intended purpose. The AER varies based on the NIR. Min. NIR. 8.05%. Min. AER 8.35%. Max. NIR 12.25%. Max. APR 12.96%. Representative example for a €500 loan to be repaid over 12 months. NIR: 8.05%. APR: 8.35%. Instalments: 11 payments of €43.51 and a final payment of €43.45. Total amount owed: €522.06. Total cost of the loan: €22.06. Interest: €22.06. Representative example for a €1,500 loan with a 48-month term. NIR: 12.25%. APR: 12.96%. Instalments: 47 payments of €39.69 and a final payment of €39.37. Total amount owed: €1,904.80. Total cost of the loan: €404.80. Interest: €404.80. French repayment system. See how our loans work here.
(2) Insurance policy from VidaCaixa, S.A.U. de Seguros y Reaseguros, with tax ID no. A58333261, and SegurCaixa Adeslas, S.A. de Seguros y Reaseguros, with tax ID no. A28011864. Caixabank Payments & Consumer, E.F.C., E.P., S.A.U., will act as an intermediary when arranging the insurance policy, as an associate banking and insurance operator of VidaCaixa, S.A.U. de Seguros y Reaseguros, SegurCaixa Adeslas, S.A. de Seguros y Reaseguros and Metlife Europe D.A.C. Branch in Spain. It is listed in the Special Administrative Register of Insurance Brokers of the Directorate-General for Insurance and Pension Funds with number OV0077. CaixaBank Payments & Consumer, E.F.C., E.P., S.A.U. has contracted with the insurance company Caja de Seguros Reunidos, Compañía de Seguros y Reaseguros S.A., with tax identification number A28013050, professional liability insurance to cover responsibilities that may arise from professional negligence and has financial capacity according to current regulations. The insurance is voluntary and not purchasing it does not affect the economic conditions of the financing product offered.
(3) The cards are issued by the hybrid payment institution CaixaBank Payments & Consumer, E.F.C., E.P., S.A.U., and subject to its approval. The system chosen by the institution to protect payment service users' funds is to deposit them in a separate bank account opened with CaixaBank, S.A. RI45007