How to pay in 4 times on Amazon

Once your order is made on Amazon, you are automatically redirected to the site “payment” page of the site. On this page, the Amazon Payment option in several times with or at no cost, you are offered. Click to select the one you like.

Pay Amazon in several times

Amazon offers payment in several times, with or free of charge, on its online sales platform. The brand is based on Cofidis to finance the purchases of its customers and offers a formula called Paymens. Pay a purchase between 100 and 3.000 € up to 24 months with Amazon from your customer basket.

Payment in 3 times or more

From 50 to 75.000 €. Immediate response. Without engagement. 100% online

Amazon payment in several times

Amazon has developed payment in several times a gay on its platform to facilitate purchases. Amazon offers the regulations in 3, 6, 10, 12 or 24 times. The type of credit differs depending on the amount:

• Between 100 and 1.000 €: revolving credit (a reserve of money still available)
• Between 1.001 and 3.000 €: amortizable credit (a credit with a period and prestited monthly payments)

The cost of the credit corresponds to the interest rate applied by Cofidis which is set between 4% and 21% depending on the amount and duration of the loan.

File fees

Cofidis and Amazon do not take any file fees on staggered payment.

Payment of payment in several times Amazon

The customer selects the chosen payment option in his basket and addresses his valid identity document accompanied by a RIB. A form is then completed and sent to Amazon who will study and validate the subscriber’s request, with the support of Cofidis.

Amazon Prime Member

For Amazon Prime members, payment in 4 times free of charge is free provided you have placed 2 orders on the site and have an account for more than 60 days.

All purchases made on the platform are eligible, unless otherwise stated.

Alternatives to payment in several times Amazon

Provided you anticipate a purchase, it is possible to benefit from a lower interest rate than the COFIDIS renewable credit offered by Amazon.

1. Subscribe a personal loan

A personal loan is a credit not allocated to a purchase, it allows to borrow between 1.000 and 75.000 € refundable up to 84 months at most, at a rate ranging from 1% to 19% on average.

Withdrawal period

The 14 -day withdrawal period must apply for a personal loan. Funds cannot therefore be released before the 15th day. This period may be reduced to 8 days in the event of a justified urgent request.

2. Subscribe a Floa Bank micro credit for a purchase from Amazon

Floa Bank’s “boost” microphone allows you to reimburse the maximum sum of 2.€ 500 in 4 monthly payments. The interest rate amounts to 3.12%.

Thus, for € 600 borrowed, Amazon’s customer reimburses a first monthly payment in the amount of € 18 followed by € 3 monthly payments of € 200 each.

3. Pay an Amazon purchase in 4 times with Paypal

Paypal offers certain eligible accounts, the possibility of paying in 4 times free of charge when paying an Amazon order. Just select the PAYPAL regulations and then follow the payment steps.

Thus, for a purchase of € 800 on Amazon the amount of the monthly payment will be € 200 over 4 months.

4. Lydia’s little express loan

Lydia is an online payment banking platform. The small express loan offered by Lydia allows you to borrow between 100 and 1.€ 500 paid immediately (costs will be applied) or after the 14 -day withdrawal period. It is also possible to borrow between 500 and 3.000 € available within 7 days and to turn funds on the bank account of his choice.

Lydia interest rates approach those in revolving credit. They are between 2.60 and 20%.

Payment simulation in several times Amazon

If the purchase is urgent and the buyer does not have a PayPal account to take advantage of a more attractive interest rate, it is possible to subscribe to the payment in several times from Amazon.

Example of purchases of consumer goods on Amazon:

Type of purchase	Body	Monthly payment	Indicative rate	term of the loan	Credit cost	Total cost
Clothes 1.000 €	Amazon	51 €	21.15%	24 months	235 €	1.235 €
Phone 1.000 €	Little Lydia loan	349 €	18.92%	3 months	47 €	1.047 €
Home appliance 1.000 €	Paypal	255 €	2.10%	4 months	20 €	1.020 €
Accessories 1.000 €	Sofinco	49 €	17.50%	12 months	177 €	1.177 €
iPhone 600 €	Boost Floa Bank	18 € + 3x 200 €	3%	4 months	18 €	€ 618

For low sums, the credits offered are generally short -lived (3, 6 or 12 months).

For short period loans, rates can sometimes be very high (example: 17, 18, 21% per year), but these are annual rate, they should be reduced to shorter periods and obtain loans to Only 3 or 4% of the amount borrowed for 3 months.

Bank cards eligible for payment in several times Amazon

Amazon accepts all bank cards except:

• Blue e-card
• Foreign bank cards
• Prepaid cards
• Maestro or electron bank cards
• American Express cards

The bank cards issued by French banks and border countries, with the exception of Switzerland, are accepted.

The reasons for refusing payment in several times Amazon

Amazon refuses the payment in several times to the baskets of customers containing:

• Amazon gift vouchers
• Pre -order
• Stock -out products
• Digital products

Our opinion on payment in 4 times Amazon

Benefits

The first advantage of payment in several times Amazon is its ease of obtaining.

The Customer Member of Amazon Prime can regularly benefit from a payment in 4 times at no cost, the interest being then supported by Amazon. This solution is therefore to be favored if the customer has been a member for more than 60 days and that he has made at least 2 purchases on the platform.

Disadvantages

The online platform offers high interest rates identical to those applied by renewable credit organizations.

To know

Paypal presents itself today as an interesting player in payment in 4 times with its interest rate at 2.10%, followed by Floa Bank and its interest rate set at 3.12%.

Payment in 3 times or more

From 50 to 75.000 €. Immediate response. Without engagement. 100% online

How to pay in 4 times on Amazon ?

In recent times, the Amazon e-commerce giant has set up a new payment option: the 4 times without Amazon costs. Operation is simple and effective for followers of split payment. However, access to this solution remains unclear for visitors and future buyers. In this explanatory article, the Cresca team.Fr supports you and reveals in detail How to pay in 4 times on Amazon.

How does it work ? What are the advantages and disadvantages ? Are there hidden fees ? This is what we will see in this guide which gives you all the explanations and all the details on the Payment in several times from Amazon.

Choose the part that interests you (summary)

• 1 How to pay in 4 times on Amazon: 2 possibilities !
• 2 What to think of the payment in several times of Amazon ?
• 3 How to pay in 4 times on Amazon: the other alternatives

How to pay in 4 times on Amazon: 2 possibilities !

With 4000 products sold per minute, it is not surprising that Amazon is the most used online purchase site in France. In addition to the diversity of the articles proposed, Amazon seduces by its solutions of payment facilities. Indeed, it is possible to pay via a “classic” bank card or via PayPal.

But today, the focus is on a Another option from Amazon that pleases a lot: payment in several times. And, good news, you have 2 possibilities to do it !

Once your order is made on Amazon, you are automatically redirected to the site “payment” page of the site. On this page, the Amazon Payment option in several times with or at no cost, you are offered. Click to select the one you like.

When you select credit or payment in several times (4) by card, you are redirected to a form that you will have to fill out. This Amazon alternative is offered in partnership with Cofidis, which is a specialized credit institution.

To be able to benefit from Payment in several times via COFIDIS, Two options are available to you.

First possibility: payment in 4 times by bank card

How to pay in 4 times on Amazon by card ? Here are the different steps to register for this type of payment in 4 times, delivery included:

• On the Amazon payment page, if the price of your order is lend, the “payment in 4 times by bank card” is displayed. If you have already saved a payment method on Amazon, click “Modify”.

• Click on “Payment in 4 times by bank card”. You will then be redirected to a Cofidis form to be completed. You can do it via the Internet. You just have to bring a valid card (Mastercard, Visa or Electron cards are accepted). Attention : The expiration date of the cards must be in more than four months (from the date of your order).

• Fill out the form, ensuring that your email address is well identical to that of your Amazon account. This is important because it is on this address that you will receive all the information on your deadlines (amount of monthly payments, lender, credit rate, interest, etc.)

• Click on “Confirm”. Your credit request will be studied by Cofidis. The online answer is immediate.

Second possibility: payment in several times via credit option

To benefit from a several time payment of your purchases, there is a second method. Here are the steps to follow to benefit from it:

• On the Amazon payment page, if the price of your order allows, select “Payment in several times with credit option». If you have a registered default payment method, you will have to change it.

• After selecting the Payment in several times with credit option, You will be redirected to an online form of Cofidis. For this step, you will have to bring a RIB (bank identity statement) and an electronic copy of an identity document (identity card or passport).

• Fill out the form, check that all the information is correct. Also take the time to read the conditions of use (monthly payments, rate, interest, etc.)

• Validate your request. On the Internet, you will have an immediate response from the loan establishment. Sometimes additional documents may be asked. If this is the case, your items will be put on hold, the time of the decision. In general, the answer is given within two working days of.

Once your credit request to pay in several times is accepted, you will receive a confirmation email. The schedule of your monthly payments begins as soon as all your items have been shipped.

When your order is shipped, Amazon sends you a product shipping confirmation, and the credit organization sends you the dates of your monthly payments before delivery.

In the event of refusal by the credit organization, you will be automatically redirected to the Amazon “payment” page, in order to choose another method to pay your order. How ? Follow the very explicit steps on the dedicated page.

How to pay in 4 times on Amazon: important remarks

If you have chosen to pay in 4 times, you may see a transaction on the bank account associated with the cards used. This is normal, and it happens even when you use Fnac payments of payments For example … This is an authorization from the bank requested by the credit organization. The amount corresponds to the first deadline, and should disappear from your bank statement within five to seven working days.

You will easily recognize the loan transaction. On the statement of the cards used (regardless of the type of card), it is entitled “Authority SA ATMA SA COFIDIS”.

For Amazon Prime members, paying in 4 times is free on two conditions:

1. Have made two purchases minimum (different orders) on the site
2. Have an Amazon account has been prime for more than 60 days

What to think of the payment in several times of Amazon ?

As with all requests for credit to the bank or those online as on the Fnac website, this has advantages and disadvantages.

Benefits

The first advantage is that it is relatively simple and quick to get the Payment in several times on Amazon (via paypal or by card, for example).

This device is really advantageous if you are a member of Amazon Prime. Indeed, members can benefit from the payments of their products in several deadlines on a regular basis. The loan interest rate is supported by Amazon (even if you use Paypal for example).

Disadvantages

The interest rates of this loan are relatively high. Their amount is similar to that that renewable credit organizations apply in the bank. However, other alternatives, such as Paypal for example, exist. And this, at attractive rates.

How to pay in 4 times on Amazon: the other alternatives

How to make your request in case of refusal ? Well, other alternatives are possible to facilitate the payment of products for your order. Most major brands (Darty, Fnac, etc.) offer ease of purchase, especially for “big” products.

• Paypal: If your Paypal account is eligible, you can easily pay in several times, whatever your purchase. How ? Just check the Paypal regulations on the Amazon payment page. Then let yourself be guided. Paypal has a major advantage: its interest rate. Indeed, Paypal offers a rate of 2.10%, whatever your purchases.

• Personal loan : This type of credit is not necessarily assigned to a purchase, but you can use it as you wish. How ? Remember to compare the offers, the types of cards and the rates (they generally go from 1% to 19%) in order to choose the most advantageous. Remember to read all the terms of the contract, once committed, you are required to reimburse this credit.

• Micro Crédit Floa Bank: The organization offers a “boost” offer with an interesting interest rate of 3.12%. It is possible to borrow up to 2,500 euros to make your delivery purchases included, or other.

• Little express loan from Lydia: To order your products on Amazon, you can request a credit on the Lydia online payment platform. You can borrow between € 100 and € 1,500, paid immediately on the card connected to the card of your choice. Or between € 500 and € 3000, paid within 7 days on the card of your choice, for urgent purchases. The rates are between 2.60% and 20%.

How to add a payment method on Amazon ?

If you decide to make an important order (several articles for example) or several group orders, the payment in several times of Amazon can be very interesting.

Be careful, however, to read the various contract clauses in order to know all the terms (rate, delivery and return, duration and amount of the reimbursement, etc.). Also compare the various offers (Paypal, Various Credit, Fnac..)). Thus, you are guaranteed to place your orders in the best conditions.

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