MiColchón gives you the possibility to finance your purchases and pay them in comfortable installments with Cetelem España (BNP Paribas group) which has more than 25 years of experience in our country granting consumer loans.

You can purchase everything you want starting at €120 or with a minimum monthly payment of €12 per month. Also, you will not start paying until at least 10 days after you complete the purchase. Want to see how?


To request financing, make your purchase and select the financing option as a payment method. Here onwards, Cetelem's financing process begins. It is 100% digital, fast, simple and comfortable.

Sign your contract digitally by means of a PIN that we will send to your mobile, and directly attach the documentation requested in the process. The necessary documents are:

1- DNI (both sides) or residence card (for foreign residents).

2- Proof of income (last payroll -salaried employees-, last income tax filing,  -freelance worker-, or pension revaluation certificate).

3- Front page of the Savings Account Passbook or a direct debit showing the IBAN code. The contract holder must be the holder of the bank account.

But if you are already a Cetelem customer ... you will only need your ID and have your mobile phone at hand. No need to complete forms and sending documentation: just one click only.