Finance the instrument of your choice

Simply select an item, go to the checkout and select the “Financing” payment method. Complete the order in the store. In the next step you will be forwarded directly to the credit processing. There you will see financing proposals and can apply for financing directly.

Financing is arranged exclusively for the lender BNP Paribas S.A. German branch, Munich location: Schwanthalerstr. 31, 80336 Munich.

Required documents

• Signed loan agreement (electronically or by post)
• Last proof of salary / for self-employed persons the last BWA (for a financing amount of € 2,500 or more; in individual cases also below a financing amount of € 2,500)
• A copy of the residence permit for citizens of countries outside the EU
• Students: Copy of a valid student ID or certificate of enrollment for the current semester and copy of debit/maestro or credit card
• Trainees: Copy of a current payslip and copy of the debit/maestro or credit card

Requirements for financing

• You are at least 18 years old
• The financing amount is between €100 and €15,000
• You are an employee and have been working for your current employer for at least 3 months.
• Your employment contract 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 12 months
• You have a regular income of at least € 650 net
• You do not have a negative Schufa entry

Legitimization

Like all banks, Consors Finanz is required by law to carry out an identity check. The identity of all new customers is checked before a loan is granted. This check is also for your own security. You can choose whether you would like to verify your identity online via video call (using a PC, tablet or smartphone) or at the nearest Deutsche Post branch using PostIdent. You can also sign the contract either online with an electronic signature or you can sign it by hand and Deutsche Post will send it to us by post. Please note that sending the contract by post will take a few extra days.

Conclude financing online

• Decide on the payment method “Financing”: After you have placed your goods in the shopping cart, you can decide on financing when you go to the checkout. Go through the short online application process from Consors Finanz. After preliminary financing approval, choose the “Complete online now” option to complete the application digitally.
• Online identification: Your identification takes place conveniently with a video call - simply and directly via your browser or app. Employees will guide you through the process step by step.
• Digital signature: Following online identification, you will receive an mTAN by text message, which you enter in the field provided for confirmation. The contract is then legally signed and concluded online.
• Digital account overview:This replaces the submission of account statements and salary statements in paper form. The credit decision and verification of your details is made with a single glance at your (salary) current account. This is how you prove your regular income. The account view enables us to evaluate the sales data provided in order to make a credit decision.
  
• Look forward to your delivery: After completing the online process, your goods can be shipped immediately, unlike the PostIdent process!

Identity check by post

• Decide on the payment method “Financing”: After you have placed your goods in the shopping cart, you can decide on financing when you go to the checkout. Go through the short online application process from Consors Finanz. After preliminary credit approval, decide to print out the contract and take it to the post office.
• Legitimize 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 Post Office employee will confirm your identity using your valid identity card or passport.
• Look forward to your delivery: Once Consors Finanz has received your financing application, we will deliver the goods you have ordered to you immediately (subject to a final positive check after receipt of your documents).

Consors Finanz app

With our new free mobile banking app, Consors Finanz customers can now take care of everything to do with their financing via their smartphone - anytime and anywhere.

Your advantages:

Real-time information: current account balance and turnover display

Mobile CashClick: Top up your current account and increase your credit limit

Flexible repayment: Simply set your desired installment yourself

Highest security standards: TouchID and personal authentication

The app is available to download free of charge from the App Store and Google Play: