Zwei starke Optionen – Finde die Finanzierung, die zu Deinen Plänen passt.

Financing of your purchase (installment plan drawdown) via the credit line with Mastercard, which can be utilized repeatedly. Net loan amount credit-dependent up to 15,000 EUR. % effective annual percentage rate. Contract term for an indefinite period.

Installment plan drawdown: Fixed borrowing rate of % (annually) applies only to the first months from contract conclusion (fixed-interest period); you must make monthly partial payments in the amount selected by you. If you do not repay your installment plan drawdown within the fixed-interest period, the terms for follow-up drawdowns apply.

Follow-up drawdowns: For other and future drawdowns (follow-up drawdowns), the variable borrowing rate (annually) is 19.13 % (if you already hold a credit line with us, the actual variable borrowing rate may differ). For follow-up drawdowns, you must make monthly partial payments in the amount selected by you. The monthly installment is at least 2.8 % of the highest debit balance reached since the last full settlement of the account, rounded up to the nearest full 100 EUR, but at least 9.10 EUR, or—if higher—the debit interest accrued in the respective billing month plus the cost of any optional credit life insurance. The latter variant is intended to ensure that, in an interest rate environment that rises sharply after contract conclusion, the partial payments cover at least the accrued interest and the insurance premium. Payments for follow-up drawdowns are credited first toward interest-bearing follow-up drawdowns; in the case of different interest rates, they are credited first to those with the higher interest rate.

Representative example & legal details: Information also represents a representative example pursuant to Section 17 (4) PAngV (German Price Indication Directive). Valid for customers aged 18 and older residing in Germany, holding a valid national ID card or passport (non-EU citizens in conjunction with a valid residence permit), a valid debit card in their own name, and a minimum net monthly income of 603 EUR (excluding child benefit). Self-employed individuals: Financing for private purposes only, minimum 24 months of self-employment. Current proof of income/salary may be required. Credit mediation by the financing partner is carried out exclusively for the lender BNP Paribas S.A. Niederlassung Deutschland, Rüdesheimer Straße 1, 80686 Munich. Right of withdrawal: The borrower may withdraw from their contractual declaration within 14 days without giving reasons. To meet the withdrawal deadline, timely dispatch of the withdrawal notice is sufficient, provided the declaration is made on a durable medium (e.g., letter, fax, email). The withdrawal must be addressed to: BNP Paribas S.A. Niederlassung Deutschland, Wuhanstraße 5, 47051 Duisburg (Fax: +49 (0) 203 / 34 69 54-09; Phone: +49 (0) 203 / 34 69 54-02; Email: widerruf@consorsfinanz.de).

Representative example: Fixed borrowing rate of 12.72% p.a. for the entire term, effective annual percentage rate 13.49%, order value 3,000.00 EUR, contract term 18 months, total amount 3,307.50 EUR, monthly installment 186.00 EUR, final installment 145.50 EUR. Provider: TeamBank AG, Beuthener Str. 25, 90471 Nuremberg.