We offer you the opportunity to finance your purchases at unbeatable prices. Simply make an online purchase on instalments and pay for your bike, e-bike or fitness equipment in a term individually chosen by you.

With our 0% financing offer, you as a customer from Austria and Germany can pay for your desired bicycle, e-bike, fitness equipment or infrared cabin easily and cheaply in instalments. Without interest, without hidden fees: You only pay the purchase price of the device, determine the desired term of the instalment payment yourself online and can conveniently complete the purchase in 12 or 18 monthly instalments

Important: This is not a loan or credit agreement. There is guaranteed no interest. Our 0% financing offers you the opportunity to pay for items in monthly instalments - without any interest rate or other financial disadvantages. You just enjoy the advantage of paying for your order flexibly in instalments and still receive your items immediately.

This is how you can finance your desired product:

• Step 1
  Select your items in the shop, place them in the shopping basket and select 0% financing via Santander (only for customers from Austria and Germany) in the payment methods. At the end of the ordering process, click on "Order subject to payment". You will then be redirected to a form of Santander Consumer Bank AG. Please fill in all the required information and send it to Santander. Please have your valid identity card ready for this purpose.
• Step 2
  Your application will now be checked to see whether you meet the requirements for our hire purchase. Your personal creditworthiness will be checked, among other things by checking for an existing Schufa entry and proof that you have a regular income. This usually only takes about 10 to 15 minutes.
  
  
• Step 3
  With the confirmation from Santander Bank, you will receive further information about what documents the bank still needs from you.
  
  
• Step 4
  We receive the confirmation/approval of the 0% financing for your items at the same time. Once you have sent all the required documentation to Santander and we have received confirmation from Santander, the final step will follow.
  
  
• Step 5
  We release your order for dispatch and send it off as soon as possible.

SANTANDER REQUIRED DOCUMENTS:
Valid ATM (Maestro) card
Current pay slip (last month) or pension statement
Official photo ID (driving licence, passport, (EU) ID card)
Non-EU/EFTA citizens: copy of passport and settlement or residence permit incl. work permit. Work permit

REQUIREMENTS FOR FINANCE:
Minimum age: 18 years
Minimum net income: Living minimum net
Main residence: Austria or Germany
Employment: Austria or Germany
Duration of employment: At least three months (with the same employer)
Valid and signed official photo ID (passport, driving licence, (EU) ID card or (EU) residence permit   
Debit order: Domestic bank account
Payment: Depending on merchant, product and customer creditworthiness


Do you still have questions? THEN CONTACT US
Email: [email protected]
OR
Tel: +43 (0) 4852 68866

Frequently asked questions

Does the PostIdent procedure have to be carried out?

The PostIdent procedure is not currently required for our offer. However, our cooperation partners reserve the right to change their procedures at their own discretion in the interests of increased security.

Can I also finance my in-store purchases flexibly?

Of course, we offer 0% financing not only online, but also in-store. It doesn't matter whether it's an e-bike, bicycle or other items: From a minimum amount of € 400, you have the option of financing your purchase flexibly. Of course, all the above conditions regarding term, interest rate, etc. still apply. You enjoy all the advantages!

How many months will I have to pay in instalments?

You can individually choose between a term of 12 or 18 months.