On the occasion of Black Friday and Cyber Monday, Unicaja has launched a promotion under which it offers its customers a reduction in the price of pre-approved loans1. In addition, the entity maintains active different campaigns, such as the draw of 25 gift cards of 250 euros among customers who make purchases equal to or greater than five euros with card and another of 10 gift cards of 150 euros among those who make transactions with Bizum.
During the campaign period, from 18 November to 9 December, both included, customers can take out pre-approved loans without total and partial early cancellation fees.
This offering is aimed at customers with pre-approved loans of up to 50,000 euros and with a repayment term of up to eight years. To qualify for this promotion, the minimum amount of the loan is 2,000 euros, if taken out in branches, and 1,000 euros if subscribed via Digital Banking.
In addition, pre-approved loan customers are offered the possibility of signing up for a credit card through Digital Banking without having to go to a branch2.
Draw of cards
Unicaja is also keeping different promotions active until 1 December:
- A draw of 25 cards worth 250 euros among customers who make purchases equal to or greater than five euros with debit or credit cards for private use3.
- A draw for 10 gift cards worth 150 euros among customers who register with Bizum during the campaign period and carry out a transaction (sending or receiving money, purchase in stores, transfer or donation)4.
To participate in both promotions, customers must register through Unicaja's Digital Banking (through 'Sweepstakes and promotions') or at any of its branches.
Unicaja's card offering is adapted to the daily payment needs of customers, especially during the Black Friday and Cyber Monday shopping period.
In this sense, they have different payment methods that make it easier for customers to organize their expenses, since they can make their purchases in installments and pay for them with the established installment once they have been made, or by dividing them into 3, 6, 9 or 12 months through the Aplaza tu compra service5.
Customers can also configure the use of their cards through Digital Banking (in the 'Settings' section), being able to activate or deactivate online purchases.
In addition, the credit and debit cards also offer immediate discounts and rebates when making online purchases at more than 130 top brands in different sectors. In order to benefit from and discover all the offers available, customers have to join the EURO 6000 Plus Program in Unicaja's Digital Banking.
On the other hand, with the increase in the number of purchases at this time of year, it is advisable to take precautions against possible cyber fraud and remember that the bank never asks customers for personal data or passwords for signature or access to Digital Banking by telephone, SMS or e-mail.
1. Offer valid until 12/09/2024. Conditions applicable to in-office contracts. Minimum amount that can be contracted in-office: €2,000. Offer calculated for a loan transaction formalised on 11/25/2024, with the first instalment being charged on 12/25/2024, for an amount of €10,000, for a term of 5 years, nominal annual interest rate of 6.49%, APR of 7.13%, opening fee of €100, monthly instalments of €195.61 and the 60th of €195.90. The total amount owed, including instalments and fees, amounts to €11,836.89. The total amount of interest amounts to €1,736.89. The total cost of the loan is €1,836.89. The repayment system used is the French one. The APR of the personal loan may be affected by the term and the amount of the operation due to the existence of a fixed commission.
For a loan operation formalized on 25/11/2024, with 25/12/2024 being the date of charge of the first installment, for an amount of €2,000, for a term of 2 years, nominal annual interest rate 6.49%, APR of 12.24%, opening commission of €100, the monthly installments would be €89.08 and the 24th €89.17. The total amount owed, including installments and expenses, amounts to €2,238.01. The total amount of interest amounts to €138.01. The total cost of the loan is €238.01. The repayment system used is the French one. The APR of the personal loan may be affected by the term and the amount of the operation due to the existence of a fixed commission.
For a loan operation formalized on 25/11/2024, with 25/12/2024 being the date of charge of the first installment, for an amount of €50,000, for a term of 8 years, nominal annual interest rate of 6.49%, APR of 6.74%, opening commission of €100, the monthly installments would be €669.07 and the 96th €668.49. The total amount owed, including installments and expenses, amounts to €64,330.14. The total amount of interest amounts to €14,230.14. The total cost of the loan is €14,330.14. The repayment system used is the French one. The APR of the personal loan may be affected by the term and the amount of the operation due to the existence of a fixed commission.
Conditions applicable to contracts in Banca Digital.
Minimum amount contractable in Banca Digital: €1,000. Offer calculated for a loan operation formalized on 25/11/2024, with 25/12/2024 being the date of charge of the first installment, for an amount of €10,000, for a term of 5 years, nominal annual interest rate 6.49%, APR of 6.69%, without opening commission, the monthly installments would be €195.61 and the 60th €195.90. The total amount owed, including installments and expenses, amounts to €11,736.89. The total amount of interest amounts to €1,736.89. The total cost of the loan amounts to €1,736.89. The amortization system used is the French one.
The offer will be subject to the usual risk analysis of the Entity, which includes the prior verification by the Entity of the absence of unpaid obligations in solvency and credit files and of the non-change in the economic capacity of the holder at the time of contracting. The time required for the formalization of the operation must be taken into account. The age of the client at the time of formalization plus the term of the loan cannot exceed 75 years.
2. Offer valid until January 20, 2025. The offer will be subject to the risk analysis carried out by this entity, which includes the prior verification by the same of the absence of unpaid obligations in solvency and credit files and the non-change in the economic capacity of the holder at the time of contracting.
3. To participate in the draw for 25 €250 cards, you must register for the promotion and make purchases equal to or greater than €5 with Unicaja personal debit or credit cards. 1 entry will be generated if the purchase is made with a debit card, 2 entries if it is made with a credit card on a weekly or end-of-month basis, and 3 entries if the purchase is made with a credit card on a deferred (revolving) or split basis (those that are deferred/split through the Delay Your Purchase service also count). Cancelled and returned purchases do not count. The “Gift Card” is personal and non-transferable. Promotion valid until December 1, 2024. See the rules here.
4. To participate in the draw for 10 “Gift Cards” of €150, you must register for Bizum through the Unicaja App, register for the promotion and carry out a Bizum transaction. Promotion valid for new Bizum customers from September 10 to December 1, 2024. See the terms and conditions here.
5. Deferral subject to the entity's discretion, to the availability of the card's credit limit and exclusively for: a. purchases made during the current month and those of the previous month up to 15 days after settlement (settlement date day 1 of the current month), with a Mastercard Credit or Visa Credit card, in debit, weekly or end-of-month mode for an amount equal to or greater than €60, b. operations carried out in the account associated with the credit card (direct debits, Bizum operations or purchases with a debit card) during 30 days after the charge date. All of them must be for an amount equal to or greater than €60, with a minimum amount of capital to be repaid from €20 per month. Applicable conditions, including the interest rate, according to the contract in force. In the event of non-payment of the credit, the service will not be available. In order to carry out the deferral operation through Digital Banking, it is necessary to have contracted Unicaja Banco's Remote Services.
