+94.000 users have already purchased with Cleo

Buy now. Pay later.  No cards, no hassle.

You choose how to pay. In 14 or 30 days, or in up to 12 installments.

Create account

Make shopping easier by creating your account today

Purchase in 4 simple steps

This is how you pay with Cleo in our partner stores

Create account

Step 1

Choose Cleo as your payment method

Choose our option when you're paying online or at your favorite store.

Step 2

Do your financial evaluation

Enter your phone, receive a code and confirm with your bank and Unique Key. Approve your purchase in less than 2 minutes.

Easier shopping creating your account today.

Step 3

Choose how to pay

Decide whether to pay in 14 or 30 days, or divide your purchase into up to 12 installments. No hidden fees.

Step 4

Pay your dues

We remind you of every payment by WhatsApp or email. Pay from your profile however you prefer.

Select Cleo as a payment method

Choose Cleo from the available payment options.

Do your financial evaluation

Enter your phone, receive a code and confirm with your bank and Unique Key. Approve your purchase in less than 2 minutes.

Easier shopping creating your account today.

Choose how to pay

Decide whether to pay in 14 or 30 days, or divide your purchase into up to 6 installments. No hidden fees.

Pay your dues

We remind you of every payment via WhatsApp, email or a call. Pay from your profile however you prefer.

Create account

Your information, 100% protected

We use encryption, firewalls and advanced security technology so that your data is always protected.

Why pay with Cleo?

Create account

You choose how to pay

Divide your purchase into up to 12 installments or pay it off after 14 or 30 days. You decide what's best for you.

Online and in store

Use Cleo anywhere: shopping from home or at the location of your favorite store.

No cards

You only need your Unique Key and your bank account. No paperwork and no hassle.

You pay your fees however you prefer

With transfers, cards or PACs. You choose how to pay each fee.

Use it at your favorite stores

New Web

On line

Oficial

Jugetes Ingenium

On line

Oficial

Emporio Organika

On line

Oficial

Ecoescencias

On line

Oficial

Chilevapo

On line

Oficial

Vulzee

On line

Oficial

Feminas

On line

Oficial

Mis mascotas

On line

Oficial

Decantopía

On line

Oficial

Poscali

On line

Oficial

Comocultivo

On line

Oficial

Open English

On line

Oficial

Ecofarmacias

On line

Oficial

Street Machine

On line

Oficial

Superga

On line

Oficial

Kappa

On line

Oficial

Best for Pets

On line

Oficial

Sky Airline

On line

Oficial

We'll tell you what
They say about us

Many times we need to be able to buy something in installments and we don't have a credit card or they're busy. So, it saves a lot in unforeseen situations. I have already recommended it to my friends, especially to be able to use it when traveling

Andrea Silva

Verified user

It's an excellent and very comfortable alternative, thanks to Cleo I was able to pay for my first wedding anniversary

Roberto Morales

Verified user

It's a safe, reliable platform and it also allows you to borrow responsibly

Diego Campos

Verified user

It's a way to get out of the emergency with medications and pay in installments, without the need for a credit card

Patricia Vargas

Verified user

It's a system that allows you to buy in a hurry, I think it's great

Javier Torres

Verified user

The press also talks about Cleo

“The 'buy now, pay later' model takes off in Chile. Cleo stands out by offering the freedom to shop without credit cards and to pay in installments in a wide network of stores.”

Read the full article

“For Cleo, the key to fintech talent lies in the 'ability to adapt and learn quickly' in an environment that never ceases to change.”

Read the full article

“The 'buy now, pay later' model takes off in Chile. Cleo stands out by offering the freedom to shop without credit cards and to pay in installments in a wide network of stores.”

Read the full article

“The payment method that seduces people under 40: fast and without a card. Cleo highlights the rise of this trend in Chile compared to traditional options.”

Read the full article

FAQs

We're here when you need help.

See all questions

What is Cleo?

We are a payment method that allows you to buy what you need today and pay later, without a credit card.

How does Cleo work?

Choose Cleo when paying at your favorite stores, validate your identity with your bank and Unique Key, and decide how to pay: in 14 or 30 days, or in installments. No credit card required.

Do I need a credit card to use Cleo?

No. You only need to validate your identity with your bank and Unique Key. We don't ask for card details.

How do I get approved to shop with Cleo?

When you buy for the first time, we validate your identity with your bank and Unique Key. We evaluate your profile in less than 2 minutes and you'll instantly know if you can buy with Cleo. If you have questions, write to us at soporte@cleo.cl (Monday to Friday, 9:00 a.m. to 5:00 p.m.).

What happens if I don't pay on time?

Your debt is reported in the DICOM business bulletin. You can check your payment deadlines in your Cleo profile. Pay your fees on time to keep your account up to date and access higher amounts.

How do I pay my fees?

We remind you of every payment by WhatsApp or email. Pay by accessing your profile on my.cleo.cl with a transfer, card or PAC. You choose how to pay each fee.