How to get financing in PC Componentes
If you want to get financing in stores for your purchases in PCComponentes, discover the credit cards, mini-credits and personal loans that you have at your fingertips.
Credit cards to finance on PCComponents
To obtain financing in PCComponentes we can resort to the credit cards commercialized by the banking entities. These products can be a good way to finance our purchases in stores if we want to buy a mobile or a laptop:
Credit cards are a method of payment that allow us to obtain financing in stores so that we can pay at the time and postpone the refund . This is possible to do in two ways: by means of the monthly deferred payment with which we do not have to pay interest or through the fractionated payment with an interest rate of around 20% normally. In this last case, we have to establish monthly payments to amortize the used credit and also return the interest that is generated. This product is more suitable for purchases of items that do not exceed 500 euros. This is due to the fact that if we have to repay the money in installments, it is better that they do not lengthen too much in time, since it would generate more interest and be more expensive. Therefore, split a purchase for that amount is more affordable to pay in 2 installments than if it is one of 1,000 euros, since the monthly payments in the second case would probably be too high for our economy.
Mini-loans as a method of financing
Another way to get funding in PCComponentes is the quick mini-credits that are offered by private equity companies. This resource can be useful if we want to buy a product and we have a part of the money saved and we need to cover the rest . In this way, it is easier to comply with the single payment to be paid in a maximum of 30 days:
Resorting to mini-loans should not be seen as a normal way to obtain liquidity for our purchases. However, if we combine this financing with our savings , we can face the expenses without involving a risky event, because in this way we make sure that the fee to pay is not such a large amount. In addition, this allows us to divide the disbursement of the money in two installments: first in the purchase of the product and second, after about 30 days when we amortize the mini-credit. The cost of a mini loan is 1.1% daily, which means that for a loan of 100 euros to be repaid in 30 days we will have to pay 33 euros of interest, that is, a total amount owed of 133 euros. If we want to resort to this financing, we must always make our decision with a head, because if we ask for a mini-credit and we do not return it, the costs of late interest and other possible consequences may lead to unnecessary over-indebtedness.
Financing in PC Componentes with your personal loans
In addition to the financing methods we have just seen, PPComponentes has its own that is managed through the Cetelem lender. This company offers financing from 120 euros or with a minimum monthly payment of 12 euros per month.
Let’s see now what are the main characteristics and an example of this customized financing:
- Deadlines between 3 and 60 months.
- Minimum amount of 120 euros and minimum monthly fee of 12 euros.
- The cost is 15% TIN (16.10% APR)
- Without formalization commission.
With these characteristics, we will exemplify a loan of 500 euros in 48 months with an interest rate of 15% and an APR of 16.10%. The monthly payment would be 13.92 euros and the total amount owed of 668.16 euros .
We also have another possibility of financing on PCComponentes that may be interesting for us and is a promotion valid until June 30, 2017 . In this case we can finance our purchases at 0% APR from a minimum of 144 euros and within a period of 12 months. With this offer it is not necessary to face any type of interest or commission, so fractioning our purchases in the store would come at cost 0.
To access the PCComponentes financing we have to make the online purchase on a regular basis and choose the option to finance our purchases as a payment method. At that moment the process begins in which Cetelem intervenes and the entire process is online. In addition, we can formalize the contract by signing it digitally through a text message sent to us and finally, attach the documentation requested.
What documents do we have to present to finance our purchases?
When we want financing in PCComponentes we have to take into account what kind of documents all the profiles accepted by this company have to present. Cetelem, financial of this trade, accepts clients who are salaried workers, self-employed or pensioners . Each one must present specific papers that prove that the requirements of the company are met and are the following:
The documents common to all the profiles are the DNI or residence card and the bank documentation (copy of the first page of the Bank Book or a domiciled receipt in which the IBAN code can be seen). In addition, depending on the type of income of each one, we will have to present some papers and others:
- Employees must submit a photocopy of the latest payroll.
- The self-employed must send a photocopy of the last income statement.
- Pensioners need to show the pension revaluation letter.
These are the papers that the lender will request according to our characteristics as a client. As we can see, it is easy to gather these characteristics and present these papers, in this way, we will not have to waste too much time on paperwork.
What kind of products can we finance in PC Componentes?
PCComponentes is a web portal that sells different types of technological products and where it is possible to place an order and bring it directly to your home. Some of the items that we can access are the following:
- Audio / Photo / Video
As we see, this type of technological products can have a very variable price range, so we can make purchases ranging from 5 euros to over 1,000 euros. Getting financing for our purchases can be a way to facilitate the acquisition and payment of these products and therefore, it is important that we select the method that best suits our needs.