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Financing

Customer Service

Financing

Propain Bicycles GmbH offers financing exclusively through TARGOBANK AG in Düsseldorf (hereinafter referred to as ‘TARGOBANK’). In cooperation with our partner, we offer you favourable financing options as well as good and uncomplicated service.

Financing dream bikes at favourable rates

Sometimes your dream bike just can't wait! That's why our financing partner, TARGOBANK, offers you a simple financing solution with no down payment and an attractive interest rate, starting from a minimum order value of €1,000.
Your advantages at a glance:
  • Individual: term and instalments tailored to your needs
  • Quick and easy: completed in just a few minutes
  • Flexible terms between 6 and 60 months
Duration Nominal rate of interest Effective rate of interest
6 months 0% 0%
12 months 0% 0%
18 months 0% 0%
24 months 0% 0%
30 months 0% 0%
36 months 0% 0%
42 months 4,9% 4,9%
48 months 4,9% 4,9%
54 months 4,9% 4,9%
60 months 4,9% 4,9%

Requirements for financing

  • Age of majority
  • Positive credit check
  • Unterminated employment relationship
  • Permanent primary residence in Germany
  • Delivery takes place exclusively within Germany
  • Buyer and borrower must be identical (however, the delivery address and billing address may be different)
  • From €3,000 financing value, a copy of your current proof of income plus a copy of your identity card is required
  • For financing of €5,000 or more, copies of your last three proofs of income are required in addition to a copy of your identity card
  • Existing current account with a bank based in Germany to debit the loan instalments
  • For customers with a non-EU nationality, a copy of the residence and work permit as well as the registration certificate is always required

This is how ordering by financing works

Please select ‘Financing’ from the payment methods and finalise the order. You will then receive detailed instructions on how to successfully complete your financing purchase:

  • Please print out the complete contract documents for your loan agreement
  • On the first page of the contract you will find a checklist with the necessary steps
  • First, please sign the loan agreement in the places marked in red
  • A so-called Postident coupon is printed out with the contract
  • Finally, please have yourself legitimised at your nearest post office

To do this, take the signed loan agreement and place it in an envelope together with any necessary copies. Together with this envelope, please take the Postident coupon and a valid ID (identity card or passport) to your post office.

  • The post office will then confirm your legitimisation and send all documents to our cooperation partner TARGOBANK for final verification
  • After a positive check and confirmation of your financing, TARGOBANK will make full payment of the outstanding invoice amount to us
  • As soon as we receive the payment, the ordered goods will be dispatched to you immediately

How video identification works

Our cooperation partner TARGOBANK also offers the option of confirming your identity via video identification. This is quick, easy and uncomplicated. You can find out everything you need and how it works in the following video:

If you have any questions about your financing, you can contact TARGOBANK by phone at any time. You can reach the TARGOBANK advisory team at: 0211 / 56156503. In addition to financing, TARGOBANK offers a comprehensive portfolio of products and services. You can find more information on this at https://www.targobank.de/.

Right of cancellation and reversal

Details of your 14-day right of cancellation can be found in your loan agreement.

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