It is a loan. Cofidis lends you a sum of money to buy a product. This money is advanced to the store, and you have to repay the borrowed money in 4 installments. The installments include the opening commission, which will be divided equally among each of them.
4xcard: financing in 4 installments over 90 days with Cofidis available for purchases between 75 and 1000 euros.

Usually less than 3 minutes. Just complete your request online and attach a photo of your ID/foreigner identification card.

Cofidis accepts any credit/debit card except American Express, foreign cards, and virtual cards.

The total amount of the shopping basket plus the opening commission is divided into 4 installments. This way, all installments are equal.
It has an opening commission ranging from 0% to 3.5% of the total amount of your purchase basket. This commission is charged evenly in 4 installments. This product has no interest rate, meaning the APR is 0%.

This information can be found in the document: Quarterly information on commissions and most common rates by type of transaction and customer profileWhose objective is to facilitate the comparison between loan and credit products frequently offered to consumers in Spain by Cofidis.

4xcard is not available for baskets containing gift cards, pre-order products, or out-of-stock products.

The first installment will be charged at the time of contracting. Subsequently, charges will be made on day+32, day+63, and day+90.

The return policy applies to all purchases. If you receive a full refund, you will be refunded the amount you have already paid based on the purchase conditions. In the case of a partial refund, the total amount owed will be adjusted, and the installments will be recalculated accordingly.

After adding the items to the cart, change the payment method to 4xcard and continue the process. You will then be redirected to a Cofidis form where you will need to fill in your personal information and add the bank card on which you want Cofidis to charge the installments. Cofidis will assess your request and provide you with an immediate response. If your request is rejected by Cofidis, you can place the order again by selecting a different payment method.

Once the financing contract has been signed, you have the right to withdraw from it within a period of 14 calendar days from its acceptance by Cofidis, without the need for justification and without any penalty. You can request this directly from Cofidis at: desistimientos@cofidis.es.

Cofidis will claim what you owe. In this case, collection costs of up to 20 euros in favor of Cofidis will be generated. Cofidis may demand payment of a commission of 8% of the outstanding capital in the event of contract termination by Cofidis due to non-payment of three or more installments. In case of non-payment, you could be included in ASNEF and Badexcug. Failure to make a payment could make it difficult for you to obtain credit. Non-payment could lead to legal action for collection.

Before requesting a loan:

• First, you should consider whether you need financing and if this offer meets your needs.
• Reflect on the impact that taking out a loan will have on your finances: your income should allow you to properly manage your debts without deteriorating your quality of life.

After requesting a loan:

• When you request a loan, you are taking on a debt and you have to repay the money.
• Make sure you understand these obligations well:
• You will have to repay the borrowed money plus the opening commission.
• You will have to pay it all on the agreed date.