easyCredit-Financing
Relaxed payment - with easyCredit installment purchase
With easyCredit installment purchase you get multiple benefits from convenient and fair installment payments. There are no hidden costs, no fees and no annoying paperwork. And if you ever want to repay faster or take a payment break you can do so easily and flexibly.
Advantages
- IMMEDIATE: Fast and convenient without salary statement and paperwork
- FLEXIBLE: Early repayment and payment breaks are possible and free of charge
- TRANSPARENT: Clear overview without hidden costs and fees
- DISCREET: Verification done by yourself
- SECURE: Maximum protection of payment data has the top priority
FAQ: Questions and answers about easyCredit installment purchase
With the easyCredit installment purchase you have the possibility to comfortably and easily pay in installments at JONITO in the online shop and at the showroom in Lübeck. You decide how much you want to pay and thus enjoy the greatest flexibility in the purchase of your dream bike.
If you have a regular monthly income, easyCredit will be happy to check your individual offer.
You will receive the decision whether an easyCredit installment purchase is possible or not immediately as part of the ordering process. A downstream check is no longer necessary, so you do not have to submit any documents.
We charge interest for the monthly repayment of your easyCredit installment purchase. You can find out the amount directly when you place your order in the store. Otherwise, no further costs are charged by easyCredit.
The collection of the first installment takes place at the earliest 30 days after you have received your bike. The installments are always collected on the 1st of each month. We will inform you by text message 5 days before the first installment will be collected.
After confirmation of the payment request, JONITO receives the information that you would like to accept the offer in connection with an installment payment. You will then receive a confirmation email with all relevant information and access to the easyCredit customer portal within 24 hours.
What you need to know
| audience | Customers aged 18 and over, resident in Germany. Creditworthiness required. No general rejection of pensioners or on the basis of age. Self-employed excluded. |
| financing amount | 200 – 10,000 € |
| term | 2 – 60 months |
| installment | min. 20 € |
| interest rate | Fixed interest rate over the entire term, independent of credit rating and maturity |
| SCHUFA | Takes the form of a condition request only |
| revocation period | For the revocation of the financing a period of 2 weeks from the conclusion of the order applies. The revocation must be made in writing. |
| unscheduled repayments | Unscheduled repayments to reduce installments are made automatically. The use to shorten the term only happens after the request of the customer and is always free of charge. |
| redemption amount | Possible at any time, free of charge, no deadlines |
| installment increase | No rate increase possible |
| installment plan change | Dates can be rescheduled from the 01st to the 15th of a month or vice versa. The blocking period between two date transfers is 6 months. |
| deferred payment |
Up to 1 month suspension of the rate Prerequisite: The account was opened at least 6 months ago. The lock-up period between two installment plan changes is 6 months. |
| reduced payment |
A temporary rate reduction once in 12 months can extend over 2-3 months. The reduction must be min. 20% and max. 50% of the rate. Requirements: The account was opened at least 6 months ago. The remaining term is a maximum of 90 months. The lock-up period between two installment plan changes is 6 months. The last bridging installment was paid at least 12 months ago. |
| term extension |
An extension of the term for a minimum of 3 to a maximum of 36 months is possible. Prerequisite: The account was opened at least 6 months ago. |