Black Friday 2026 in Chile will run from 00:00 on Friday, November 27 to 23:59 on Monday, November 30. The Santiago Chamber of Commerce (CCS) confirmed it on October 20: four days of discounts with more than 400 companies, in physical stores and online (Meganoticias). The official site of the CCS event is cyber.cl, with an app that locates participating physical stores and lets shoppers verify that a brand is officially taking part. In parallel, the private organization that brought the concept to Chile, blackfriday.cl, holds its own edition on the same dates.
View the data as a table
| Days of the event | 4 |
| Black Friday 2025 sales | US$561 million |
| Complaints to Sernac in 2025 | 537 |
| Legal maximum rate | 41.02% |
Black Friday 2026: dates, companies and how the 2025 event went
The event comes with a track record of moderate growth. In 2025, the CCS Black Friday ran from November 28 to December 1, gathered 476 online brands and more than 2,000 businesses with physical stores, and its sales totaled US$561 million from 10.5 million purchases, according to the chamber's preliminary estimates (Diario Estrategia). In the first three days, sales had grown 3% in nominal terms versus 2024 (DF). The 2026 edition adds geolocated physical stores across Chile and an artificial intelligence assistant to search for deals, according to the CCS.
| Edition | Dates | Participants | Sales |
|---|---|---|---|
| 2024 | Nov 29 to Dec 2 | 585 brands and 2,100 physical stores | Over US$550 million |
| 2025 | Nov 28 to Dec 1 | 476 online brands and over 2,000 physical stores | US$561 million |
| 2026 | Nov 27 to 30 | More than 400 companies | To be reported |
Sources: CCS via Diario Estrategia and Meganoticias. Sales figures are the chamber's preliminary, unaudited estimates and include online and in-store purchases. The 2024 figure was reported as "more than" US$550 million.
How much buying in installments costs on Black Friday 2026
A 30% discount can vanish if the purchase is paid in many interest-bearing installments. Credit cards charge rates close to the legal ceiling, the maximum conventional rate (TMC), which the CMF sets every month. The certificate in force since October 15, 2026 puts the maximum at 41.02% a year for debts of up to UF 50, 34.02% between UF 50 and 200 and 30.03% between UF 200 and 5,000 (Official Gazette). As a reference, Tenpo reports 3.41% a month for installment purchases of up to UF 50 and Cencosud Scotiabank, 3.39%. In mid-November the CMF will publish a new certificate, which will be the one in force during the event (CMF).
| CLP 500,000 purchase at 3.41% a month | Installment | Total interest | Total paid |
|---|---|---|---|
| 3 installments | CLP 178,160 | CLP 34,481 | CLP 534,481 |
| 6 installments | CLP 93,557 | CLP 61,341 | CLP 561,341 |
| 12 installments | CLP 51,468 | CLP 117,619 | CLP 617,619 |
| 24 installments | CLP 30,843 | CLP 240,228 | CLP 740,228 |
Pauta Financiera calculation with equal installments and the 3.41% monthly rate reported by Tenpo as of October 15, 2026. It only includes interest: it excludes fees, stamp tax and insurance, which raise the final cost. That is why, before paying, it is worth checking the CAE (annual equivalent cost) in the simulation: in Bci's table, a card's sample CAE ranges from 36.28% with a CLP 250,000 limit to 25.94% with CLP 1,000,000. How to read the CAE and compare cards is in our 2026 credit card comparison.
The amount also changes the math. At the same 3.41% monthly rate, a CLP 300,000 purchase in 12 installments pays CLP 70,572 in interest and a CLP 1,000,000 one, CLP 235,239. All are below UF 50, the bracket with the highest legal ceiling. In 3 installments, interest falls to CLP 20,689 and CLP 68,962, respectively.
| CLP 300,000 | 20,689 | 36,805 | 70,572 | 144,137 |
| CLP 500,000 | 34,481 | 61,341 | 117,619 | 240,228 |
| CLP 1,000,000 | 68,962 | 122,683 | 235,239 | 480,456 |
The cheapest alternative is the interest-free installments offered by some card issuers and stores: in November there are campaigns with up to 36 installments at certain stores and 3 installments at any store with some cards, which we compiled in interest-free installments for November 2026. Even so, the installment adds to the credit already used and to existing debts.
Is your brand taking part in Black Friday? Show your deals to readers who compare before buying.
See advertising optionsThe most common Black Friday complaints to Sernac
During Black Friday 2025, the National Consumer Service received 272 complaints against companies registered in the official event and 265 against non-registered companies. Among registered firms, 54% of cases involved unilateral cancellations of purchases and 20% misleading advertising; 75% targeted retailers (Sernac). The most complained-about were Falabella (32%), Sodimac (11%), Ripley (9.6%), Paris (8.6%) and Mercado Libre (7.2%). In 2024, the top issues were stock problems (26.2%) and pricing errors (22%) (Sernac).
What to check before buying on Black Friday
Four steps help make the discount real. First, write down today's price of what you plan to buy, to compare on November 27. Second, check on cyber.cl that the store is registered in the event. Third, keep screenshots of the offer and the receipt: the company must honor the price and conditions it advertised, and with that evidence you can complain on Sernac's portal or at 800 700 100 (Sernac). Fourth, if paying on credit, simulate the total to be paid and compare it with paying upfront. If the card is already maxed out or there are overdue installments, adding another purchase can worsen the picture we describe in the state of household debt.
This information is journalistic and educational, not financial advice. Check the conditions and the total cost (CAE) with the institution before signing up.
Frequently asked questions about Black Friday 2026
When is Black Friday 2026 in Chile?
From 00:00 on Friday, November 27 to 23:59 on Monday, November 30, 2026, according to the Santiago Chamber of Commerce.
How many companies take part?
More than 400 companies from different sectors, with deals online and in physical stores. The official list is published on cyber.cl.
How much does paying CLP 500,000 in 12 installments cost?
At a 3.41% monthly rate, about 12 installments of CLP 51,468: CLP 117,619 in interest, excluding fees and insurance.
Where do I complain if a purchase is cancelled?
First with the company and, if it does not respond, on Sernac's portal, at 800 700 100 or at its offices, with screenshots of the offer and the receipt.
