Financing

Fulfill your dream of a new instrument now and simply pay in small installments.

Pay quickly and easily in small monthly installments. Simply select an item, go to the checkout and select the "financing" payment method. The mediation takes place exclusively for the lender BNP Paribas S.A. Branch Germany, Munich location: Schwanthalerstr. 31, 80336 Munich.

Financing process

You have two options for legitimation and signature:
Completely online (with immediate shipment of goods) or in writing and via a post office (shipment of goods after receipt of the documents).

How it works:

1. Apply for funding online: Complete the application form online.
2. Legitimacy:
   Option 1: Have your identity conveniently confirmed online via video telephony.
   Possibility 2: Have your identity confirmed by Postident at the nearest post office.
3. Sign the contract:
   Option 1: Sign the loan agreement online via mTAN (SMS).
   Option 2: Print out the loan agreement, sign it by hand and send it in by post.
4. Looking forward to the delivery: We will deliver your ordered goods to you immediately as soon as your financing application has been received by our partner bank (subject to a final positive check after receipt of your application). If you have submitted the application online, the goods can be shipped immediately.

Documents to be submitted

The bank requires the following documents:

• Signed loan agreement (electronically or by post)
• Last proof of salary / for the self-employed the last BWA (with a financing amount of €4,000 or more; in individual cases also a financing amount of less than €4,000)
• A copy of the residence permit for non-EU nationals
• Students: Copy of a valid student ID or certificate of enrollment for the current semester and copy of the EC/Maestro or credit card
• Trainees: Copy of a current pay slip and copy of the ec/Maestro or credit card

Requirements for financing

The following employment/income requirements must be met:

• You are at least 18 years old
• The financing amount is between €100 and €15,000
  (Note: Financing is theoretically possible from as little as €54. In this case, you must be able to choose a term of 6 months.)
• You are an employee and have been working for your current employer for at least 3 months.
• Your employment is open-ended for the next 12 months / or you are a pensioner with an open-ended pension / or you have been self-employed for at least twelve months
• You have a regular net income of at least €650
• You don't have a negative Schufa entry

legitimacy

Like all banks, Consors Finanz is legally obliged to carry out a legitimacy check. The identity of all new customers is checked before a loan is granted. This test is also for your own safety. You have the choice of whether you want to carry out the legitimation online by video call (with a PC, tablet or smartphone) or in the nearest Deutsche Post branch by PostIdent. The contract can also be signed either online with an electronic signature or you sign by hand and Deutsche Post sends the contract to us by post. Please note that sending the contract by post will take a few additional days.

Financing with PostIdent

Legitimation with PostIdent – This is how it works:

• Decide on the "Financing" payment method: After you have placed your goods in the shopping cart, you can decide on financing when you go to the checkout. You go through the short online application process of Consors Finanz. After the preliminary credit approval, choose to print the contract and mail it.
• Identify yourself at a post office: Print out your application and read through your documents at your leisure. Sign the contract in the spaces 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 Swiss Post employee will confirm your identity using your valid identity card or passport.
• Look forward to the delivery: After Consors Finanz has received the financing application, we will deliver the goods you have ordered to you immediately (subject to a final positive check after receipt of your documents).

Fully digital financing conclusion

Fully digital financing agreement - How it works:

• Decide on the "Financing" payment method: After you have placed your goods in the shopping cart, you can decide on financing when you go to the checkout. You go through the short online application process of Consors Finanz. After the provisional funding approval, choose the option "Complete online now" to complete the application digitally.
• Online identification: You can identify yourself conveniently with a video call - simply and directly via your browser or app. Employees guide you through the process step by step.
• Digital signature: Following online identification, you will receive an mTAN via SMS, which you can enter in the field provided for confirmation. The contract is then legally signed and concluded online.
• Digital account view: This replaces the submission of bank statements and salary statements in paper form. The credit decision and your details are checked with a single look at your (salary) current account. This is how you prove your regular income. The account view enables us to evaluate the sales data supplied in order to be able to make a credit decision.
• Look forward to the soon delivery: After completing the online transaction, your goods can be shipped immediately, in contrast to the PostIdent procedure!

... and of course we are happy to answer all your questions in advance.