Pago Después vVARY

At Pago Después, we give you the opportunity to buy in installments with no surcharge, even for those without a credit card or with a negative credit history.

Yes! We're the finance company that provides solutions for everyone who needs to buy in installments simply, transparently, and without bureaucracy.

It's very easy to use. Download the app and register for free by filling out a few details and linking a bank debit card.

We also want to get to know you to understand how you manage your finances. The more you use Pago Después, the more and better credit options we can offer you.

From the app, you can:

• Buy by scanning the QR code
• Explore participating merchants
• Manage all your transactions
• Check due dates and make installment payments
• Discover exclusive promotions just for you

Pay your way. We give you the flexibility to choose the number of installments you want.

When you buy, we instantly debit the first installment from your linked card, and we finance the rest.

Purchase orders: minimum and maximum terms of 3 to 15 monthly installments. Loans: terms of 3 to 32 monthly installments. Interest rates for loans and purchase orders range from 0% to 127% annual effective rate (AER), subject to the interest rate caps for loans and purchase orders as per the Central Bank of Uruguay (BCU): Pages - Average Rates

Example: For a loan of $16,000 in 12 installments of $2,130, the total financed price (TFP) is $25,500. This includes insurance.

Floder S.A. is supervised by the Central Bank of Uruguay and affiliated with the Credit Reporting Bureau (Equifax). For more information, please visit www.bcu.gub.uy.

Welcome to your new financial life,
Welcome to Pay Later