Session Details

Formats & Duration

Three sessions, each with a clear focus and defined scope. See what each one covers, how long it runs, and how it can be delivered.

Session by session

Each session is designed to be complete on its own while also building toward a comprehensive understanding when taken together.

Session 1

Reading the Real Price

The foundation of the program. This session explains why the price tag on an installment plan almost never represents the true cost — and gives you the tools to calculate the real figure yourself.

Why cash price and financed price differ
What the CFT (Total Financial Cost) includes
How to calculate the real cost of any plan
Reading a bank's installment disclosure
Worked examples: electronics, appliances, clothing
Two price tags side by side showing cash price and installment price with a magnifying glass highlighting the difference
Duration
90 min
Group size
Up to 20
Format
In-person / Online
Session 2

Rates, Plans & Comparisons

The most analytical session. We break down the relationship between nominal and effective rates, explain monthly rate conversion, and provide a practical framework for comparing installment plans from different banks.

Nominal Annual Rate (TNA) explained
Effective Annual Rate (TEA) and why it differs
Converting between annual and monthly rates
A comparison framework for any two bank offers
Common variations across Argentine banks
Laptop screen displaying a spreadsheet comparing bank installment plans with color-coded columns and formula cells visible
Duration
2 hours
Group size
Up to 20
Format
In-person / Online
Session 3

Delays & Early Payoff

The session that covers what most consumers only discover after the fact. We explain exactly what happens to a plan when a payment is missed, and walk through the math of early cancellation across different plan structures.

How late payment interest is calculated
Punitive rates and their compounding effect
What "moratory interest" means in practice
Early cancellation: when it saves, when it doesn't
Calculating the remaining balance on a plan
Person using a calculator and writing on paper to calculate early loan payoff amount, financial documents visible nearby
Duration
90 min
Group size
Up to 20
Format
In-person / Online

How sessions are delivered

Sessions can be attended in different formats depending on your situation and preference.

In-person group sessions

Held at our Mendoza location (Rondeau 145) or at a venue of your choosing. Ideal for groups of 6 to 20 participants who benefit from interactive discussion.

Live online sessions

Interactive video sessions for individuals or groups who prefer remote access. Same content and Q&A structure as in-person sessions, adapted for the online format.

On-site for organizations

We can bring the program to your workplace, cooperative, or community space. Suitable for teams or groups who want to attend together in their own environment.

Taking all three sessions

The three sessions together form a complete picture of how installment financing works in Argentina — from reading the initial price to managing a plan over time.

Sessions can be taken on consecutive days, spread across weeks, or attended in a single extended workshop format. We adapt to what works best for the group.

Total program time: approximately 5 hours
Flexible scheduling across days or weeks
Reference materials included for each session
Q&A time built into every session

Get in touch to schedule

To ask about availability, discuss your group's needs, or find out which session is the right starting point for you, reach out directly.

Contact Us