VIDEO: Financing at Media Markt
Regardless of whether it is a laptop, PC, washing machine or television: You will find a large one in the Media Markt online shop Selection of electronic items that you can order directly there and delivered a few days later receive. You can also choose financing, as is possible in a store, when buying online. You can choose from various financing models that differ in terms of duration and interest rate.
Order from Media Markt
- Not only in the branches, but now also in the Internet you can choose from a large selection of electronic items at Media Markt and order them online. Many people are faced with the question when buying: Can I afford it? Financing is often a way of spreading the costs over several months.
- The starting point is Media Markt online shop. In order to take advantage of the financing option for an article, you first have to put the desired article in the shopping cart, as you are used to in most online shops. When you have finished your purchase and would like to proceed to the checkout, click on "shopping cart" in the upper right corner. Check it out and click "Next" if everything works for you.
Select financing as a payment method
- Now either log in with your access data, if you already have one, or register as a new customer. Then select the delivery and billing address and click "Next".
- Now you can choose the payment method. If you would like funding, select the appropriate box and click "Next". Check the order and confirm by clicking on "Next" again.
- Select the desired term and you will receive the financing contract, which you fill out online and print out.
- You will then receive instructions for the next steps: fill out the financing contract and add your EC or Identify credit card and valid ID either by Postident or in a Media Markt branch permit.
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Financing with Media Markt - ideally zero percent interest
The electronics trade is known for its advertising slogan: "Make wishes come true today and only pay later." the Specialist stores Media Markt and Saturn were able to do well with an interest rate of zero percent for loan financing profile.
- There are different types of consumer credit, but zero percent interest rates are no longer unusual. Special sales campaigns or products are often tied to such financing.
- However, Media Markt does not grant the loan itself, but a partner bank. It depends on this whether you are approved for financing.
- In order for you to be able to use such a fairly simple loan, certain prerequisites and conditions must be met.
A few steps to consumer credit
As with any loan application, you need to identify yourself with your identity card. Also bring an up-to-date pay slip with you. At SCHUFA, you shouldn't be remembered negatively. A negative SCHUFA entry regularly prevents purchase in installments.
- Once you have selected a Media Markt and an article, you need to find out about the financing conditions.
- The product, minimum purchase value and term play a major role in whether you receive zero percent financing or whether you have to pay interest (up to ten percent per year).
- Ask specifically about the possible and actual conditions in Media-Markt. With the sales staff, you can also find out where in the market you can actually process the financing.
- There you have to provide some information about income and occupation. Your financing request is sent to the partner bank via computer. If this gives the green light, you have to read the contract first and then sign it. It contains monthly installments, term and interest. You can then take the goods home with you.
- The installments will be debited from your account. You should therefore always make sure that the account has sufficient credit on the move-in date.
The extent to which your request for financing can be met despite a negative SCHUFA depends on the circumstances in the respective Media Markt branch. But even if you already have the goods at home, the electronics store can demand everything from you back intact if it becomes aware of a negative SCHUFA entry.
Test reports from other customers about Media-Markt financing
- Many customers who have signed such a contract were surprised by hidden costs or complained about insufficient clarification in advance of the conclusion of the contract.
- A frequent shortcoming was that the prices were raised in the run-up to the campaign in order to make up for the supposed losses.
- In principle, however, separate costs must always be stated in the contract. The option to increase the interest rate must also be specified. So read the contract carefully and discuss it with friends and relatives.
If Media-Markt funding is concerned, then it should be considered carefully
- Find out in advance very precisely about the conditions, possible changes during the term, the seat and the respective contact person of the credit bank as well as your right of withdrawal.
- Basically, it is always better if you can pay for the products you want in cash. If you still decide to finance, then you have to plan the monthly amount firmly in your budget.
- Because even with Media Markt financing, default in payment can result in a negative SCHUFA entry and thus limit your creditworthiness in the long term.
Other authors: Thomas Detlef Bär, Filip Jünger
