• Choose the "financing" payment method: After you have placed your goods in the shopping cart, you can choose financing when you go to the checkout. You go through the short online application process from Consors Finanz. After the preliminary financing approval, choose the "Complete online now" option to complete the application digitally.
• Online identification: Your identification is carried out conveniently with a video call, the so-called Video Ident - simply and directly via your browser or app. Employees guide you through the process step by step. During the account identification, you take a photo of your ID document and your face. Then you log in to your online banking.
• Digital signature: After the online identification, you will receive an mTAN via SMS, which you must enter in the field provided for confirmation. This means that the contract is legally signed and concluded online.
• Look forward to the imminent delivery: After completing the order online, your goods can be shipped immediately, unlike with the PostIdent procedure!

• Choose the "financing" payment method: After you have placed your goods in the shopping cart, you can choose financing when you go to the checkout. You go through the short online application process from Consors Finanz. After the preliminary credit approval, decide to print out the contract and take it to the post office.
• Identify yourself at a post office: Print out your application and read through your documents carefully. Sign the contract in the designated places and enclose the documents requested by the bank. Seal the documents in an envelope and take it to the nearest post office with the Postident form. A post office employee will confirm your identity using your valid ID card or passport. Please note that you must send your signed loan agreement to Consors Finanz by post yourself. An address sheet for free return of your documents is included with the loan agreement.
• Look forward to delivery: After receipt of the financing application at Consors Finanz, we will deliver the goods you ordered to you immediately (subject to a final positive review after receipt of your documents).

Like all banks, Consors Finanz is also legally obliged 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 want to carry out the identification online using the video identification process, the account identification process (with a PC, tablet or smartphone) or at the nearest Deutsche Post branch using PostIdent . The contract can also be signed either online with an electronic signature or you can sign it by hand and send it to Consors Finanz. An address sheet for returning your documents free of charge is included with the loan agreement. Please note that sending the contract by post takes a few extra days.

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

For your financing, we will set up a credit limit (1) with Consors Finanz Mastercard®, on which your financing will be booked. With the credit limit, you have an individual, credit-dependent cash reserve of up to €15,000 at your disposal, which you can use in whole or in part. To make using your credit limit easy, you will receive the Consors Finanz Mastercard®, which has no annual fee. Setting up the credit limit with your individual cash reserve costs you nothing. Costs only arise when you use the credit limit. Please refer to your credit agreement for the interest incurred.

1) Credit limit dependent on creditworthiness; net credit amount up to €15,000; contract term for an indefinite period. In addition to the card payment instalment function, the credit limit can optionally be used in the card payment one-off function. Please refer to your credit agreement for further details on the credit limit.

Card function for payment in installments: Annual interest rate for certain transactions and periods as agreed individually; otherwise, a variable interest rate (annual) of 17.43% (18.90% effective annual interest rate) applies. Desired rate: 3.0% to 10% of the highest credit limit used, rounded to the nearest €100, minimum €9/month.

One-off payment card function: With the one-off payment card function, you can use your Mastercard® to make purchases using the credit limit, which are to be repaid quarterly. These transactions are interest-free if they are repaid in full on the agreed due date; otherwise, they are to be repaid with interest from the due date in accordance with the terms of the installment payment card function.

Information also serves as a representative example in accordance with Section 17 Paragraph 4 PAngV.

If you have any questions about the credit limit or the Consors Finanz Mastercard®, please contact Consors Finanz customer service:
Tel.: 02 03/34 69 54 02
Mon. – Fri.: 8:30 a.m. – 8:00 p.m., Sat.: 9:00 a.m. – 4:00 p.m. (0.14 €/min. from German landlines, mobile max. 0.42 €/min.)
E-mail: kundenservice@consorsfinanz.de or widerruf@consorsfinanz.de