up to
Enjoy now - pay later in parts
How it works
Buy goods and services with 0% installments and no down payment
Shop at partner stores
Visit stores where Cuotas by Punto Pago is available and ready to use
Terms and rules
From $10 to $250
available purchase sum
Mix cash and installments
if the order amount exceeds $250, pay the remaining sum in cash or by card
From 2 to 8 months
choose a plan based on your preferred term, with payments every two weeks
No initial payment
get your order today, pay later
Only cedula needed
just one document for digital approval - or no documents at all if you're already a Punto Pago app user
Calculator
Estimate your purchase terms in advance
Payment period
Regular payment
$25.5Interest rateno interest
Amount of payments4 payments
Pay today$0
*in some cases, a service fee may be charged to cover transaction processing costs and customer credit eligibility checks (ITBMS included)
How to pay
After a successful purchase, make your regular payments directly in the Punto Pago app
All your Cuotas purchases are paid on two fixed dates
2ndof every month
17thof every month
If a purchase is made less than 7 days before the next payment date, the payment is automatically moved to the following one
Know more
FAQ
We've answered the most common questions
The application takes up to 5 minutes. After scanning the seller's QR code, you simply choose an installment plan, receive approval, and sign the agreement via SMS.
If you are a new Punto Pago user, you will need to take a live photo of your ID and a selfie to continue with the purchase. The entire process is completed directly in the Punto Pago app with clear, step-by-step instructions.
In most cases, the decision is made within a few seconds. In some situations, it may take up to 2 minutes.
No. You don't pay the seller and don't make a first payment to Punto Pago at the moment of purchase. This means you can complete your purchase even if you don't have available funds at that time.
Merchants pay a small service fee to Punto Pago for using the installment service. The fee is intentionally kept low so sellers don't need to increase the final price for customers. If a seller asks to increase the order price, the final decision is up to you, but this is not part of Punto Pago's policy.
Payments are made according to the agreed repayment schedule - twice a month, on the 2nd and 17th of each month. After your purchase, you can find all details about your schedule and upcoming payments in the My Loans section of the Punto Pago app.
To top up your balance and repay your loan, you can:
- Use any of 1,300+ Punto Pago terminals nationwide
- Transfer funds from your bank card
- Pay via PayPal directly in the Punto Pago app
Yes, there is no fixed limit - you can have any amount of active installments at the same time and all of them will be combined into 2 fixed dates during the month for your convenience (on 2nd and 17th). The number of purchases only depends on real-time approval for each transaction.
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