6 topics in this section
  • Can I finance any product purchased online?

    El Corte Inglés, through Financiera El Corte Inglés E.F.C., S.A., offers you a wide range of items that can be purchased on credit, provided your order exceeds €90. Please consult the financing conditions of each item.

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  • How do I finance a product purchased online?

    If you would like to use this modality, during the purchase process, choose 'Deferred payment’ among the payment options offered by the El Corte Inglés Card.

    Once your order has been received, we will send you a financing contract. Administration costs will be charged for this contract and financed according to the type of financing you choose.

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  • What types of financing can I sign up for?

    You can choose from the following types of financing: Remember that the minimum amount for monthly credit payments is €30.

    Pay in three months, interest free

    The processing fees vary according to the sale amount:

    • Transaction of up to €200 - processing fee: €3
    • Transaction between €200.01 and €400 - processing fee: €5
    • Transaction between €400.01 and €600 - processing fee: €7
    • Transaction between €600.01 and €1,000 - processing fee: €9
    • Transaction higher than €1,000 - processing fee: €12

    Interest is subsidised by El Corte Inglés, S.A. Credit subject to approval by Financiera El Corte Inglés E.F.C., S.A.

    Representative example of credit for purchases:

    • Amount: €600, pay in three months, interest free.
    • NIR 0%, APR 7.21%, processing fee: €7, total owed amount: €607

    Enjoy up to 36 months to pay

    Choosing the number of months. The nominal annual interest rate for these types of transaction is 16% (17.23% APR). Credit facilities offered by Financiera El Corte Inglés, E.F.C., S.A. Operation subject to the authorisation of its Credit Committee.

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  • Does the type of financing change depending on the item?

    Some of our departments, including Computer Technology, Electronics, Home Furnishings and Household Appliances have their own financing promotions. Their formulas can be temporary or permanent. For example, 12-month interest-free financing with a €9 administrative fee for Home Furnishings. Please consult the financing available for each department.

    Financing for certain items is subject to special conditions.

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  • Can I change the type of financing after having selected it?

    You can cancel the instalment contract at any time or modify the amount of each payment. If you would like to make any modifications, please call our Customer Service Telephone 900 373 111 from a landline or 901 464 111 from a mobile or send us an email to clientes@elcorteingles.es

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  • What is the Personal Payment Plan?

    If you are paying for a purchase on credit, the Personal Payment Plan allows you to consult the status of your authorisation. Just log in to the website for Financiera El Corte Inglés by clicking here.

    You can also do a simulation to calculate paying in instalments through our Personal Payment Plan: click here and enter the amount to be financed in euros and the number of months (only for operations to be financed between four and 36 months).

    This calculation will be a general one, and will not take into account special rates for merchandise with any financing promotions, and may not be valid for certain types of Card contracts. 

    Deferred payment orders are delivered within 10 working days to mainland Spain and the Balearic Islands, starting from the day the contract is received, and within 21 days to the Canary Islands.

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Help topics: Financing