How to Say “Installment Payment” in Spanish

pago a plazos
/paɡo a plaθos/from spelling rules
The Spanish phrase for installment payment is pago a plazos.
The term describes a payment plan where a total amount is paid in several smaller sums over a period of time. While pago a plazos is the noun phrase for the concept, the verb phrase pagar en cuotas is frequently used to describe the action of paying via an installment plan. Additionally, the word cuotas is a common synonym for the individual installments themselves.

What does it mean word for word?

The phrase pago a plazos is composed of pago (payment) and the prepositional phrase a plazos (in installments/terms).

Is it said differently in some regions?

In Spain, pago aplazado is a formal way to describe an installment payment.

How does it change in a sentence?

The noun pago is masculine, so the indefinite article used with it must be un to form un pago a plazos.

How do you pronounce it?

/paɡo a plaθos/

Did you know?

  • The word pago comes from the verb pagar, which shares a root with the word paz meaning 'peace'. Historically, the idea was that paying a debt brought peace between two parties.
  • While pago a plazos is the standard term, in some regions, the phrase pagar en cómodas cuotas is used in advertising to make the payment seem less burdensome.
  • In some Latin American countries, a 'payment plan' might be described using the term cuotas sin interés, which is a powerful marketing tool that drives consumer spending.

Examples in context

  • Necesito realizar el pago a plazos para el automóvil.
    I need to make the installment payment for the car.
  • Aceptamos el pago en cuotas mensuales.
    We accept payment in monthly installments.
  • Le compré el televisor a mi amigo y acordamos hacer el pago en cuotas.
    I bought the TV from my friend, and we agreed to make the payment in installments.
  • Prefiero hacer un pago a plazos.
    I prefer to make an installment payment.
  • ¿Ofrecen la opción de pago a plazos?
    Do you offer the installment payment option?
  • El pago a plazos es muy conveniente.
    The installment payment is very convenient.

Example conversation

Daniel and Sofia are shopping for a new laptop.

  1. Daniel

    Esta computadora es muy cara.
    This computer is very expensive.
  2. Sofía

    Puedes usar el pago a plazos, Daniel.
    You can use installment payments, Daniel.
  3. Daniel

    ¿Cuándo tengo que pagar cada cuota?
    When do I have to pay each installment?
  4. Sofía

    Tienes que pagarla cada mes.
    You have to pay it every month.

Sources

  • IPA marked “from spelling rules” is derived from standard Spanish spelling, where Wiktionary gives none.
  • Word origins: Wiktionary entries a, pago, CC BY-SA 4.0.
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Edward Felix
Edward FelixHelp make this guide better. Spot a mistake, know another way to say it, or have an example from real life? Share it below.
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