Consumer Credit

TARGOBANK is part of the French cooperative bank Crédit Mutuel - one of the largest European banking groups - and has received several awards for its outstanding customer orientation. This makes TARGOBANK a financially strong and secure partner for you. In cooperation with our partner, we offer you favourable financing options as well as good and uncomplicated service.

Finance your wishes at low cost

Some wishes simply cannot wait. That's why our financing partner, TARGOBANK, offers you a simple financing solution without a down payment at an attractive interest rate, starting at a minimum order value of € 99.

Your advantages at a glance

Individual: term and instalments to suit your needs - from as little as € 10.00 per month.
Simple and fast: concluded in just a few minutes.
Flexible: terms between 6 and 60 months.

Prerequisites for financing

Positive credit check
Maturity of majority
Unterminated employment
Fixed primary residence in Germany
Delivery takes place exclusively within Germany
Buyer and borrower must be identical (as usual, however, delivery address and billing address may be different).
From € 3,000 financing value, please submit a copy of your current proof of income plus a copy of your ID together with the loan agreement.
From € 5,000 financing value, please submit copies of your last 3 income statements in addition to the copy of your ID.
Existing current account with a credit institution based in Germany for debiting 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 generally required.

How ordering by financing works

In the payment methods, please select "financing" and complete the order. You will then receive detailed instructions on how to successfully complete your financing purchase:

Please print out the complete contract documents of your credit agreement.
On the first page of the contract, you will find a checklist with the necessary steps.
First of all, please sign the credit agreement in the places marked in red.
A so-called Postident coupon will be printed out with the contract.
Finally, please have yourself legitimised at your nearest post office branch.
To do this, take the signed credit agreement and place it in an envelope together with any necessary copies. Together with this envelope, please take the Postident coupon and a valid identity document (ID card or passport) with you to the post office branch.
The post office will then confirm your legitimation and will send all documents to our cooperation partner TARGOBANK for final verification.
After a positive check and confirmation of your financing, the full payment of the outstanding invoice amount will be made to us by TARGOBANK.
As soon as AUDITORIUM receives the payment, the ordered goods will be shipped to you immediately.

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 an extensive product and service portfolio. For more information, please visit www.targobank.de.

Right of withdrawal and reversal. For details on your 14-day right of withdrawal, please refer to the credit agreement.