The advantages at a glance:
Fast: Goods are delivered immediately once the application has been received by the bank financing the loan ^{1) 2)}
Low priced: annual percentage rate of only 9,9%
Flexible: Individual rates and terms
Safe: If you wish, there is a personal no-worries packet 3) to protect you financially.
It is so simple:

1. Put the desired items in your shopping cart and choose “financing” as payment method. Afterwards, please fill out the application form online.
2. Print out the credit agreement and sign it on the provided positions. Please take notice of the advices at the end of the agreement. You will receive a call within 48 hours as to make an appointment.
3. Upon delivery, the ExpressService courier will prove your identity through your valid identity card or passport.
4. Afterwards, please hand over the closed envelope with the signed credit documents to the courier.
5. After the bank financing the loan receives the financing application, we will immediately deliver the goods that you have ordered.2)

The bank requires the following documents:

• Signed financing application
• Amount of financing exceeding 1,500.- €: last salary slip or last business assessment for applicants who are self-employed
• For nationals from countries outside the EU: a copy of the residential permit

Financial protection through the No-Worries package3):
Sometimes life is not going according to plans. With our No-Worries package you can enjoy your new purchase unhurriedly.
As to ensure, that you and your family stay on the safe side, you could combine your financing with a flexible residual debt insurance (No-Worries package). With this residual debt insurance you can protect you and your family members against debits in case of emergency.
The residual debt insurance will bear the rates during unintended unemployment or disability as well as in case of death for the remaining period of the credit-where necessary after expiration of certain waiting period, possibly limited in time.
Please see the general terms of insurance for details.
With our No-Worries package you will surely make a good decision.
The extra advantage - Your personal purchase account:
Additionally to your financing, our correspondent bank also allows a purchase account with a credit limit of up to € 5000,-⁴⁾, which can be used with the EC/Maestro based dispo+card everytime for your shopping.
Your personal purchase account has many advantages:

• It is always available without the need for repeated credit checking;
• You pay comfortably in small monthly installments and can make extra repayments at any time;
• Interest is, of course, only payable for the amounts that you make use of.

Within your credit limit, you also have many different ways of making use of this facility: cash-free payments with your dispo-card when shopping and withdrawing money at cash points, credit transfers, and cash transfers to your own account at your main bank.