CHOOSE YOUR TERM (MONTHS)0% financing for up to 36 monthsFlexible terms up to 72 monthsOptional insurance packageNo PostIdent verification requiredNo proof of income requiredEarly repayment and payment pause possible without fees Consors:
- Financing of your purchase (installment plan transaction) via the credit line with Mastercard®, which you can use repeatedly. Net loan amount depending on creditworthiness up to €15,000. 18.90% annual percentage rate (APR). Contract term for an indefinite period.
- Installment plan transaction: A fixed borrowing rate of 0% per annum applies only for the first 6 months from conclusion of the contract (fixed-rate period); you must make monthly partial payments in the amount you have chosen. If you do not repay your installment plan transaction within the fixed-rate period, the conditions for subsequent transactions shall apply.
- Subsequent transactions: For other and future transactions (subsequent transactions), the variable borrowing rate (per annum) is 17.43% (if you already have a credit line with us, the actual variable borrowing rate may differ). For subsequent transactions, you must make monthly partial payments in the amount you have chosen, but at least 3.0% of the respective highest debit balance of the subsequent transactions (rounded to the nearest €100; minimum €9). Payments for subsequent transactions are first credited against interest-bearing subsequent transactions, and, in the case of different interest rates, first against those bearing the higher rates.
- Information also constitutes a representative example in accordance with Section 17 (4) of the German Price Indication Ordinance (PAngV). Valid for customers aged 18 or over with residence in Germany, a valid identity card or passport (non-EU citizens in conjunction with a valid residence permit), a valid EC card in their own name, and a minimum net income of €538 (excluding child benefit). Self-employed persons: financing only for private purposes, at least 24 months of self-employment. Proof of current salary/income may be required if applicable. Brokerage is carried out exclusively for the lender BNP Paribas S.A., German Branch, Rüdesheimer Straße 1, 80686 Munich.
- Right of withdrawal: The borrower may withdraw their contractual declaration within 14 days without stating any reasons. To comply with the withdrawal period, it is sufficient to send the withdrawal in good time if the declaration is made on a durable medium (e.g., letter, fax, email). The withdrawal must be addressed to: BNP Paribas S.A., German Branch, Wuhanstraße 5, 47051 Duisburg (Fax: +49 203/34 69 54-09; Tel.: +49 203/34 69 54-02; Email: [email protected]).
Easy Credit:
Representative example: Borrowing rate 12.28 % p.a. fixed for the entire term, annual percentage rate (APR) 12.99 %, order value €500.00, contract term 18 months, total amount €549.24, monthly installment €31.00, final installment €22.24. Provider: MIFCOM GmbH, Neumarkter Str. 34, 81673 Munich.
Consors and Easy Credit are available only for german customers.