Decathlon

Decathlon offers the option to pay for purchases in installments with 0% interest using financing solutions from their partners Oney and Klarna. This payment method is available for individuals over the age of 18 with a Spanish address. With Oney, customers can pay in 3 to 10 installments from €90 to €3,000 with their debit or credit card. The first payment is made at the time of purchase, followed by periodic payments. The example provided is for a €400 purchase in 10 installments of €40 each, with no interest incurred (TIN 0% TAE 0%). In Decathlon physical stores, customers can also choose between Oney installment payments with a card for amounts between €90 and €3,000 or a policy option for amounts ranging from €600 to €12,000 repayable in 12 to 48 installments at 14.93% TAE. Requirements include having a valid ID and VISA or MasterCard for card payments or providing recent payslips and a bank account certificate for the policy option. Decisions on financing are usually instant, with a maximum waiting period of 24 to 48 hours in some cases, subject to approval from Oney Servicios Financieros EFC, SAU. Alternatively, Klarna enables customers to pay for purchases in 3 installments without interest or fees, with amounts ranging from €35 to €3,000. The first installment is charged upon order confirmation, with subsequent payments scheduled for 30 and 60 days later. Customers must be at least 18 years old, provide accurate personal information, and have a debit or credit card. Changing or returning items paid with Klarna is possible through the customer's Decathlon account by requesting online returns or exchanges. Klarna Bank AB approves the financing, with a maximum amount of €3,000.