Use the code LOTR for -10% in Lord of the Rings themed products and LOB in Lord of Battles products

Finance your purchases immediately and without paperwork

Pay+Late allows you to easily, immediately, transparently and securely postpone the payment of your online purchases.

  1. When you arrive at CheckOut or checkout, choose Pay+Late as your payment method.
  2. Decide how many instalments (up to 12) you want to finance the purchase.
  3. Check your details, payments and after the answer, the first payment will be charged to your card.

Paga+Tarde

Frequently Asked Questions

Do I need to register somewhere to use Pay+Late?

No. You do not need to register anywhere to use Pay + Tardy.

Where can I find the Late Payment button?

On the merchant's payment page, just after you finish your shopping process. You will see Late Payment as a payment option.

Who can buy with Paypal?

Anyone over 18 years old, with a DNI (National Identity Document) or resident in Spain, and who must have a debit/credit card.

What is the cost of financing with Late Payment?

Interest will vary between 0% (if assumed by the business) and 25% APR, with no other additional or hidden costs.

Can I advance my pending payments?

Of course you can! From Pay+Late you can amortize your pending payments at any time, and as a consequence, the interest to be paid will be automatically reduced. No complications.

Is it compulsory to take out some kind of insurance or complementary financial service to obtain financing?

No, it is not.

Glossary

A.P.R.

The APR (Annual Percentage Rate) is calculated according to a mathematical formula that takes into account the nominal interest rate of the operation, the frequency of the payments (monthly, quarterly, etc.), the bank commissions and some expenses of the operation.

N.I.R.

The NIR or Nominal Interest Rate is the profitability or interest of a financial product month by month or in a determined period of time taking into account only the principal, being a simple capitalization rate.

Checkout

This is the last step in ecommerce, where the order is completed and payment is made. It is a critical step because it is where it will be determined whether or not the conversion takes place.

Backoffice

Personal web space of Paga+Tarde, through which you can track, operate and manage the daily status of your financed purchase.

Initial Payment

It is the payment of the first installment that you will have to make in the eCommerce by means of your debit card just at the moment that Pay+Late has accepted the financing of your purchase.

Early repayment

The Paga+Tarde Customer may reimburse the outstanding amount in advance without having to wait for the next installment.

Right of Withdrawal

The Paga+tarde Client may always request early repayment of the Loan Contract.

The Fee

Amount that must be paid monthly to repay the credit.

Expiration

This is the date on which a commitment or payment obligation becomes due.

Loan

Delivery of an amount of money to a person, who has the obligation to return it in the agreed conditions and with interest. Usually, the repayment is made in periodic installments, composed of capital (the money borrowed) and interest.

All the best.

Commercial Dept. MedievalFactory

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