You will only be charged an overdue fee if one or more of the scheduled installments are not paid off correctly by the due date.
If you have not made the payment before the due date and the automatic payment fails, you will have 24 hours to complete the payment. If this does not happen, Scalapay will apply delay fees as explained below:
- Payment made by the due date: no additional costs!
- Payment made over 24 hours late: up to 6 euros in additional costs
- Payment made over 9 days late: additional 6 euros (in addition to the first commission, up to a maximum of 12 euros for each payment)
The total cost of the commissions cannot exceed 15% of the total value of the loan (second and third installments).
Scalapay is aware that some extenuating circumstances may occur that do not allow payment to be made by the due date. If you think your case falls into these categories, send an email to firstname.lastname@example.org before the payment due date and every effort will be made to help you.