0% FINANCING FOR UP TO 30 MONTHS FOR BICYCLES AND E-BIKES WITH NO INTEREST AND NO ADDITIONAL CHARGE

FINANCING

Pay quickly and easily in small monthly installments. Select items and select the payment method "financing" in the checkout process at the checkout. The mediation takes place exclusively through the lender and our partner Consors Finanz.

BNP Paribas S.A. Germany Branch, Munich Office: Schwanthalerstr. 31, 80336 Munich, Germany

Up to 30 monthly installments

Split your payment quickly and easily into up to 30 small monthly installments

This is how it works

There are two ways to make the legitimation and signature:

1. Completely online (with immediate shipment of goods)
2. In writing via a postal branch using the PostIdent procedure (goods dispatch after receipt of the documents)

Financing at a glance:

Documents to be submitted:

• Signed credit agreement (electronically or by mail)
• Last three salary statement or, in the case of self-employed persons, the last BWA (for a financing amount of 4.000,00 € or more; in individual cases also below a financing amount of 4.000,00 €)
• Copy of the residence permit for nationals of countries outside the EU
• Students: Copy of a valid student ID or certificate of enrollment for the current semester and copy of ec/Maestro or credit card.
• Auszubildende: Copy of a current pay slip and copy of ec-/Maestro- or credit card

Requirements for financing

• The borrower is at least 18 years old
• The amount of financing is between 100,00 € and 15.000,00 €.
• The borrower is employed and has been working for the current employer for at least 3 months
• The employment relationship is indefinite for the next 12 months or the borrower is a pensioner with an indefinite pension or he has been self-employed for at least twelve months
• The regular income is over 650,00 € net
• There is no negative Schufa entry

Financing conclusion with PostIdent

1. Decide on the payment method "financing": After you have placed the goods in the shopping basket, you can decide on financing in the checkout process. You will then be guided through the short online application process by Consors Finanz. After the preliminary credit approval, decide to print out the contract and bring it to the post office.
2. You can prove your identity at a post office: print out your application and read through the documents at your leisure. Sign the contract in the space provided and enclose the documents required by the bank. Seal the documents in an envelope and take it with the Postident form to the nearest post office. A Post Office employee will confirm your identity on the basis of your valid identity card or passport.
3. Look forward to the delivery: After Consors Finanz has received your financing application, we will send you the goods you ordered as quickly as possible (subject to a final positive check after receipt of your documents).

Fully digital financial closure

1. Decide on the payment method "financing": After you have placed the goods in the shopping basket, you can decide on financing in the checkout process. You will then be guided through the short online application process by Consors Finanz. After the preliminary credit approval, decide to print out the contract and bring it to the post office.
2. Online identification: Your identification takes place conveniently in a video quarter - simply and directly via the browser or app. An employee guides you through the process step by step
3. Digital signature: After the online identification, you will receive an mTAN via SMS, which you enter in the field provided for confirmation. The contract is then legally signed and concluded online.
4. Digital account view: This replaces the submission of account statements and salary statements in paper form. The credit decision and verification of your information is made with a single glance at your (salary) current account. This is how you prove your regular income. The account view enables the bank to evaluate the turnover data provided in order to be able to make a credit decision.
5. Look forward to the delivery: In contrast to the PostIdent procedure, the goods can usually be shipped immediately after the online transaction.