Apex Unity Installments: Buy now, pay later

Going on a spontaneous trip, buying a last-minute gift, or quickly need some extra cash? We get it—things can change fast when it comes to your money.Free up cash in seconds with Apex Unity Installments. Simply split eligible past purchases into monthly installments, and instantly get money back to spend how you like. No waiting, no hidden fees, no problem.

Instantly free up cash

Paid for something in the last four weeks that costs between €20 up to €200? Split eligible purchases into three to six monthly deferred payments and pay them back over time with an effective annual interest rate of 8.99% to 15.49%, depending on your internal credit score. We'll put the money into your bank account straight away, and we'll take the first installment one month later.
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No waiting, no hassle

Unlike credit cards, there’s no need to fill out long application forms or even provide extra documents. Apex Unity Installment loans are pre-approved for eligible customers, so you can free up cash in seconds—right in your Apex Unity app.
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Choose from a wide range of purchases

Whether you’ve booked flights, train tickets and hotel rooms, or bought electronics, furniture, and even a fabulous new statement piece—you can split a wide range of eligible purchases into installments. Best of all, you can split multiple purchases—as long as the total is less than €200. We’ll send you an alert if you’ve made an eligible purchase, so you can get started right away. For more information, dive into the T&Cs.
View the T&Cs
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100% transparency at every step

Let’s face it—nobody likes hidden fees. Enjoy no set-up fees, no service fees, and no late fees with Apex Unity Installments. You’ll get an upfront overview of the annual percentage rate and monthly payments before you go ahead—and we’ll always send you a reminder before your payment’s due. You’re always in control.
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Getting started is easy

To split an eligible purchase*, open your Apex Unity app and follow these steps:
  1. Go to the ‘Explore’ tab and scroll down to ‘Financial Products’
  2. Select ‘Apex Unity Installments’ and tap ‘Split a purchase’
  3. Confirm your payment plan — and that’s it!
We'll pay you the full amount right away, and we'll take the first installment a month later. Don't see Apex Unity Installments in your app?** Try updating it to the latest version.

*Disclaimer: For illustration purposes only. The annual percentage rate range is from 8.99% to 15.49%, depending on the internal credit score. **Apex Unity Installments is currently only available for eligible customers who opened their account in Spain. If you can’t find it yet, please update your app to the latest version, keep using your Apex Unity account, and check again later to see if you’re eligible.
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Discover a new banking experience

Open your free Apex Unity bank account from your phone. Just download the app and sign up in a few minutes.
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FAQs

    Apex Unity Installments allows you to split eligible purchases that you've made in the last four weeks, and instantly free up cash. Split eligible past purchases with a value from €20 up to €200 into smaller installments, and pay them back over three to six months with an annual percentage rate ranging from 8.99% to 15.49%. We'll put the full amount into your account immediately, and you'll pay the first installment a month later.

    Apex Unity Installments is available for a wide range of eligible purchases from €20 up to €200 across multiple categories like electronics, fashion, furniture, flights, train tickets, and more. You’ll also be notified in the Apex Unity app once you’ve made an eligible purchase that can be split into installments.

    To split a purchase, go to the ‘Explore’ tab in your Apex Unity app and scroll down to ‘Financial Products’. Select ‘Apex Unity Installments’ then tap on ‘Split a purchase’ to set up the payment plan for your installment loan. Once you've confirmed your installment loan, we'll pay the money into your account, and we'll take the first payment one month later.

    Yes. You can split several past purchases, as long as the total repayment amount is less than the available credit limit of €200. You’ll enter into a new loan contract for each purchase you split.

    Your first payment will be paid automatically from your main account one month after you confirm the payment plan for your installment loan. The remaining payments will then be taken on the due date each month. To help keep you on track, we'll send you a reminder one day before each payment is due.

    You’ll receive a reminder one day before your next payment is due, and we’ll keep sending you reminders if you miss a payment. You won’t be charged a late fee or any additional interest, and we’ll try to charge the outstanding amount again after your missed payment date. You can always manually make a payment at any time by tapping on ‘Missed payments’ in the Apex Unity Installments section of your Apex Unity app.

    Yes, you can pay off your installment loans at any time. Simply head to the ‘Apex Unity Installments’ section in your Apex Unity app, select the purchase, and tap on ‘Repay full amount’ to fully pay off your installment loan.

    Apex Unity Installments is currently only available for eligible customers who’ve opened their account in Spain and their eligibility is based on their transaction history. If you’re eligible, you’ll find the product under your ‘Explore’ tab in the Apex Unity app. If you can’t find it yet, please keep using your Apex Unity account and check again in a few months to see if you’re eligible. If you find Apex Unity Installments in your app but can't see any purchases to split, your transactions in the past 4 weeks might not meet the eligibility criteria for this feature.