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Pay in instalments with FLOA's partners

Welcome to FLOA!
We can help you shop with hundreds of retailers by offering you the option to pay in 3 or 4 times1.


Are you a FLOA customer in need of assistance?

My Customer Account

Access your Customer Account

Customer support

Call Customer Support


Send an e-mail

You can contact our debt collection department at +33 (0)9 69 79 25 592

Are you a FLOA customer in need of assistance?

  • Customer support: +33 (0)9 69 79 25 592;
  • Debt collection department : +33 (0)9 69 79 25 592

What is payment in 3 or 4 times with FLOA?

As a subsidiary of the BNP Paribas Group and one of France's leading providers of Buy Now Pay Later solutions, FLOA simplifies your payment experience. Payment in 3 or 4 instalments and Pay Later from FLOA solutions stand out for their reliability and ease of use.
Eyeing a new sofa or high-tech television? By paying in instalments, either online or in store, you can treat yourself while spreading out your costs.

Here’s the deal: instead of paying for your item in full upfront, you split the cost into 3 or 4 monthly instalments. Like clockwork, on the same day every month, the agreed-upon amount is debited from your bank account.

Our payment solutions

First payment on the day of purchase, then 2 monthly instalments over the following 2 months.

First payment on the day of purchase, then 3 monthly instalments over the following 3 months.

You pay 30 days after the day of your purchase.

Our partner brands

Pay in 3 or 4 times when you purchase products or services from FLOA partners.

What are the benefits for you?

  • 100% online process, as easy as a cash payment

  • Payment by credit card, without submitting any project supporting documents

  • Choose your payment option and get a decision instantly.

  • Get an automatic refund in the event of cancellation

What are the benefits for you?


FLOA is a full subsidiary of BNP Paribas

BNP Paribas, No. 1 bank in the European Union3

Learn more


How do I log in to my Customer Account?

To log in to your Customer Area, click here. Enter your e-mail address (the one used when placing your order) and click on “First login”. You will then receive an SMS with your temporary password.

Where can I find my payment schedule?

FLOA will send you the payment schedule by e-mail after approval of your request for payment in instalments1, and then 8 days before each instalment is due. You can also find all your payment schedules in your Customer Account here.

How do I pay an amount owing?

1/ By yourself:
• by clicking on the most recent payment link sent to you by e-mail or SMS;
• on your FLOA Customer Account by clicking on "pay an amount owing".

2/ By contacting our services +33 (0)9 69 79 25 592 9 a.m. to 6 p.m. Monday to Saturday

Can a payment in 3 or 4 times be refused ?

The buyer may be refused payment for his/her order via payment in 3 or 4 times for various reasons, including: expiration date prior to the last due date, systematic authorisation bank card such as Electro or Maestro, suspicion of fraud, etc.