FINANCING OF BICYCLES AND CYCLING ACCESSORIES. IF YOU WANT IT YOU HAVE IT!

Sanferbike offers excellent financing conditions for bicycles and cycling accessories, through the specialized companies Cofidis and Cetelem. You can finance all or part of the purchase, and in addition, we can accept the amount to be financed as a payment reservation signal for your new bike or accessory.

How to do an online financing simulation with COFIDIS?

An image appears in all the articles so that you can calculate how the financing fee is with Cofidis. Use this service to calculate what quota and what term seems more interesting to you.

This service does not commit you to anything, it simply informs you in each article of the possibilities you have.

It will open a new tab where you can choose different terms and it calculates at the moment how your fee would be. If you are clear about it and it is comfortable for you, you can finance through the web.

Once you have decided to buy the bike or the items that interest you, in the purchase process choose the PAYMENT OPTION Financing from €150 to €6,000 from 3 to 36 months. This will connect you to the COFIDIS page where you will be asked for your data in a form to proceed with the financing. When you have finished it, both you and us receive a communication of pre-accepted financing. Depending on your situation, Cofidis will ask you for documentation or not.

Once the operation is confirmed, Cofidis will also notify us to prepare your order. In a period of 24 to 48 hours, you will have your purchase financed and available to pick up or send according to the chosen shipping method.

Financing offered and subject to the approval of Cofidis, S.A. Branch in Spain for amounts between €150 and €6,000 and terms of 3 to 12 months, 15 to 24 months, 30 and 36 months. Opening commission of 1% for terms of 3 to 12 months, 3% for terms of 15 to 24 months, 4% for terms of 30 months and 5% for terms of 36 months, with a minimum of €10. The APR varies depending on the amount and the term. Minimum fee €15. Example of financing for amount/PVP €6,000. Term 24 months. First installment €430, and 23 installments of €250 Total amount due/total price in installments: €6,180. Opening commission in the first installment/total cost of the loan: €180 (3% with a minimum of €10). TIN 0%, minimum APR 2.97%. Example of financing for amount/PVP €6,000. Term 36 months. First installment €466.67, 34 installments of €166.67 and a residual installment of €166.55. Total amount owed/total price in installments: €6,300. Opening commission in the first installment/total cost of the loan: €300 (5% with a minimum of €10). TIN 0%, APR 3.39%. Example of financing for amount/ PVP €150. Term 3 months. First installment €60 and 2 installments of €50. Total amount owed/ total price in installments: €160. Opening commission in the first installment/total cost of the loan: €10 (1% with a minimum of €10). TIN 0%, maximum APR 48.98%. Financing date of representative examples 03/01/2021 and first amortization 04/01/2021. French amortization system. For other amounts and/or terms, see financing conditions.

How to do an online financing simulation with CETELEM?

- IMMEDIATE FINANCING if you already have a Cetelem line of credit.

- You can finance 100% of your purchase.

- No card (We do not need your card details).

- You will not pay the first bill until the next month.

What is Cetelem?

Cetelem belongs to the BNP Paribas Group and since 1988 we have been specialists in granting consumer loans. It is a company specialized in granting consumer loans, online credit and cards, belonging to the BNP Paribas group since 1988.

What documentation do I need to finance?

If you are already a Cetelem client and have a line of credit with us, you will only need to accept your financing by entering a PIN code that you will receive on your mobile phone without filling out forms or sending documentation.

If you are a new Cetelem client or you do not have a previous line of credit, the documents that will be needed from you are:

- DNI on both sides or residence card (In the case of foreign residents, we will also need the official identity document of your country signed or a valid passport).

- Proof of income (last payslip in the case of being salaried, last income statement if you work as a self-employed person, or letter of revaluation of the pension if you are a pensioner).

- First page of the bank book or a direct debit where the IBAN code and the account holder appear, who must be the same person who is requesting the financing.

What is the amount that I can finance?

Minimum amount to finance ≥ €90 and minimum monthly payment ≥ €12. There is no maximum amount to be financed, but Cetelem is highly committed to granting responsible credit adapted to the needs of each client.

When do I start paying my financing?

The first receipt will be processed to your bank account on the 5th of the month following the completion of the financing. If the financing is made between the 25th and 31st, the first receipt will be issued on the 5th of the 2nd month in which the financing was made.

If I have any questions, how can I contact Cetelem?

You can make your inquiries through the chat that appears during the financing process, if you prefer by phone 917 90 97 38 or through the mail [email protected].

What is the process I have to follow to finance my purchase?

The process is very simple:

- Choose the products you want to buy on the web.

- Once in the cart, choose the payment method "Financing with Cetelem."

- Next you will be directed to the financing process, where you can carry out the financing in a few steps and 100% online.

Can I finance directly at Sanferbike stores?

In any of our stores in Madrid, and once the form has been filled out through our system, Cofidis or Cetelem will confirm if the operation has been pre-accepted. If you have all the necessary documentation (up to amounts of €2,000 with the DNI is usually enough), they will definitively authorize the operation within a period of about 20 minutes. At that very moment you already have your new bike or accessory ready to wear. That easy!!!