Financing

Pay quickly and easily in small monthly installments. Simply select the item, go to checkout, and choose the payment method "Financing". The brokerage is exclusively for the lender BNP Paribas S.A. Niederlassung Deutschland, Rüdesheimer Straße 1, 80686 Munich.

It's that simple:

  1. Apply for financing online: 
    Fill out the application form online.
  2. Legitimation: 
    Confirm your identity conveniently online via WebID Video Ident or WebID Konto Ident. With Video Ident, you go through a video call with a WebID agent. With Konto Ident, you photograph your ID document and your face, and then log into your online banking.
    Alternatively: Confirm your identity at the nearest post office via Postident.
  3. Sign the contract: 
    Option 1: With Video Ident and Konto Ident, you sign the loan contract online via mTAN (SMS).
    Option 2: Print out the loan contract, sign it by hand, and send it by post.
  4. Look forward to the delivery: 
    We will promptly deliver your ordered goods to you as soon as your financing application has been received by our partner bank (subject to a final positive review upon receipt of your application). If you have submitted the application online, the goods can be shipped immediately.
Financing process

The following documents are required by the bank:

  • Signed loan contract (electronically or by post)
  • Most recent pay slip / for self-employed individuals, the most recent business evaluation (BWA) (for a financing amount of €4,000 or more; in some cases, also for a financing amount below €4,000)
  • A copy of the residence permit for citizens of countries outside the EU
  • Students: A copy of a valid student ID or enrollment certificate for the current semester, and a copy of the debit/Maestro or credit card
  • Trainees: A copy of a current pay slip and a copy of the debit/Maestro or credit card

Requirements for financing:

  • The following employment/income requirements must be met (at least €538 net):
    • You are at least 18 years old.
    • Financing amount starting from €100.
    • You have a regular income of at least €538 net.
    • You are an employee and have been working with your current employer for at least 3 months.
    • Your employment is permanent for the next 12 months / or you are a pensioner with a permanently granted pension / or you have been self-employed for at least 24 months.
    • You have no negative Schufa entry.
    • Housewives/househusbands can also finance, provided they generate their own income (e.g., through rental income).

Legitimation :

Like all banks, Consors Finanz is legally required to perform an identity verification check. The identity of all new customers is verified before a loan is granted. This check is also for your own security. You have the option to complete the identity verification online via the Video Ident procedure, the Konto Ident procedure (with PC, tablet, or smartphone), or at the nearest Deutsche Post branch via PostIdent. You can also sign the contract either online with an electronic signature or sign it by hand and send the contract to Consors Finanz. An address sheet for free return shipping of your documents is included with the loan contract. Please note that sending the contract by post will take a few extra days.

Please note that provisionally issued German identity cards are not accepted as proof of identity.

Fully Digital Financing Completion:

  1. Choose the payment method "Financing": After placing your items in the shopping cart, you can choose financing at checkout. You will go through the short online application process with Consors Finanz. After the preliminary financing approval, select the option "Complete online now" to finalize the application digitally.
  2. Online Identification: Your identification is done conveniently through a video call, known as Video Ident—simple and direct via your browser or app. Employees will guide you step-by-step through the process. With Konto Ident, you photograph your ID document and your face, then log into your online banking.
  3. Digital Signature: Following the online identification, you will receive an mTAN via SMS, which you enter into the designated field for confirmation. This will legally sign and complete the contract online.
  4. Look forward to prompt delivery: After completing the process online, your goods can be shipped immediately, unlike the PostIdent procedure!
Financing process

Financing Completion with PostIdent:

  1. Choose the payment method "Financing": After placing your items in the shopping cart, you can choose financing at checkout. You will go through the short online application process with Consors Finanz. After the preliminary loan approval, decide to print out the contract and take it to the post office.
  2. Verify your identity at a post office: Print out your application and read through your documents at your leisure. Sign the contract in the designated places and include 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 postal employee will verify your identity using your valid ID card or passport. Please note that you need to send the signed loan contract independently by post to Consors Finanz. An address sheet for free return shipping of your documents is included with the loan contract.
  3. Look forward to the delivery: Once the financing application has been received by Consors Finanz, we will promptly deliver the goods you ordered (subject to a final positive review upon receipt of your documents).
Financing process
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