What Consors Finanz does

Consors Finanz is a German consumer and business finance brand operating as a division of BNP Paribas S.A. Niederlassung Deutschland, the German branch of French banking group BNP Paribas S.A. Headquartered in Munich with a regional office in Frankfurt, the company provides credit cards, installment loans, and B2B financing products to German consumers and partner merchants. Its core offering is the Consors Finanz Mastercard, a no-annual-fee revolving credit card with a limit of up to €5,000, a 90-day interest-free period, and Apple Pay / Google Pay / contactless support, alongside the Online-Kredit (Ratenkredit) installment loan product ranging from €1,500 to €80,000 with terms of 6–120 months. Additional credit products include Top-Kredit, debt consolidation (Kredit umschulden), and Immobilien-Kredit (real estate financing), as well as vehicle and retail point-of-sale financing through dealer and merchant partnerships. The technology stack is built on digital banking infrastructure integrated with BNP Paribas systems, a Mastercard payment network, and a PSD2-compliant XS2A/TPP open banking interface provided by Bank-Verlag; mobile banking is delivered through iOS and Android apps including the CashClick mobile transfer feature.

The business model combines interest income from revolving card balances (variable 19.13% p.a. APR) and fixed-rate installment loans, insurance distribution fees from BNP Paribas subsidiary Cardif (Sorglospaket credit protection, GAP, device, vehicle, and other add-ons), and B2B partner fees from retailers, automotive dealers, credit intermediaries, and renewable energy partners using the Rata@Net platform. Consors Finanz distributes through a hybrid direct-to-consumer model (website, mobile app, online banking) and a channel-partner model (point-of-sale financing at retailers, dealers, and via credit intermediaries). Customer segmentation is vertical-based, with primary segments being individual German retail customers seeking flexible consumer credit and secondary B2B segments across stationary retail, online commerce, automotive dealers, credit intermediaries, and renewable energy. The company is regulated as a BaFin-supervised German bank under BNP Paribas S.A. Niederlassung Deutschland, subject to ECB and ACPR oversight, and holds GDPR and PSD2 compliance certifications.

Name

Consors Finanz

Legal name

BNP Paribas S.A. Niederlassung Deutschland

Website

https://consorsfinanz.de

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

251–500 employees

Short description

Consors Finanz is a German consumer and business finance brand of BNP Paribas S.A. Niederlassung Deutschland, offering no-annual-fee Mastercard credit cards (up to €5,000), installment loans (€1,500–€80,000), and B2B point-of-sale financing to German consumers and merchant partners.

Ownership category

akta.pro rank

Product category

Consumer Finance

NAICS

Credit Card Issuing (52221), Sales Financing (52222), Commercial Banking (522110)

SIC

Personal Credit Institutions (6141), National Commercial Banks (6021)

akta.pro primary industry

Buy Now, Pay Later (BNPL) (CRAFALAD)

akta.pro secondary industries

Billing, Subscription & Revenue Management Infrastructure (FSAGABAM), Debt Management & Paydown (Student Loans, Credit Cards) (FSAGADAD)

Keywords

• Consumer credit
• Credit cards
• Installment loans
• Retail financing
• Dealer financing

Headquarters

HQ city

München

HQ country

Germany

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Operations, Personnel, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Revolving Credit Card Interest: Interest income generated from revolving credit card balances. Customers may pay in full, in installments (Ratenzahlung), or the minimum amount. Interest accrues on outstanding balances at the variable APR (19.13% p.a. variable / 20.90% eff. APR for credit card credit).
2. Installment Loan Interest: Interest income from fixed-rate installment loans (Ratenkredit). Loans range from €1,500 to €80,000 with terms from 6 to 120 months. Representative example: 8.45% p.a. / 8.79% eff. APR for €10,000 over 36 months.
3. Insurance Products (Sorglospaket and complementary): Consors Finanz offers credit protection insurance (Restschuldversicherung) and complementary insurance products ( GAP, device protection, vehicle insurance, etc.) through Cardif. Insurance premiums contribute to revenue.
4. B2B Partnership Fees: Fees from B2B partners (retailers, auto dealers, credit intermediaries) for processing financing applications, co-branded credit offerings, and dealer purchase financing.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels9 records

Core offering

Consors Finanz is a German consumer finance provider that issues the Consors Finanz Mastercard credit card and a range of installment and mortgage loans to private customers, while also offering point-of-sale and dealer financing, leasing, and B2B banking solutions to merchants through digital and partner channels. It operates as the consumer-finance brand of BNP Paribas S.A. Niederlassung Deutschland, distributing products both directly to consumers and indirectly via dealer, retailer, and credit-intermediary partnerships.

Product overview

Consors Finanz is a German consumer and business finance company and registered brand of BNP Paribas S.A. Niederlassung Deutschland, operating as a unified platform combining credit cards, personal loans, and financing solutions with insurance products and digital banking services. The core offering consists of the Consors Finanz Mastercard® credit card with up to €5,000 credit limit and the Online-Kredit online loan product with amounts up to €80,000, supported by additional loan variants including Top-Kredit, debt restructuring (Kredit umschulden), and real estate financing (Immobilien-Kredit). Retail and automotive financing is delivered through dealer partnerships (Finanzierung im Autohaus, Handel & Online-Shop). The company provides insurance add-ons including the Sorglospaket residual debt protection package and specialized coverage products (GAP, Unfallschutz, Käuferschutz Premium). Digital services include Online-Banking platform, Banking-App for mobile, CashClick mobile payments, and Rata@Net B2B partner platform. B2B offerings extend to dealer inventory financing, leasing solutions, and digital integration services for business partners.

Differentiator

Problem solved

Functional benefit

Products and services

• Consors Finanz Mastercard (Kreditkarte) No-annual-fee Mastercard credit card for German consumers that combines payment, revolving credit, and installment conversion, with optional insurance add-ons and broad domestic and international acceptance.
• Online-Kredit Digital installment loan (Ratenkredit) for private customers with online application, fast credit decision, and credit-score-based pricing.
• Top-Kredit Premium consumer installment loan positioned for top credit-rated borrowers with preferential pricing.
• Kredit umschulden (Umschuldung) Debt consolidation loan for consumers to roll multiple existing credits into one new loan with a single installment and potentially lower overall cost.
• Immobilien-Kredit (Wohngebäude-Kredit) Residential property loan (Baufinanzierung) for consumers financing owner-occupied housing, distributed under the Consors Finanz brand.
• Finanzierung im Autohaus (Autokredit / E-Auto-Kredit) Dealer-embedded consumer credit for purchasing new and used cars as well as electric vehicles, offered at the dealership point of sale.
• Finanzierung Handel & Online-Shop Retail and e-commerce financing product enabling merchants and online shops to offer installment credit, invoice purchase, and direct debit at the checkout.
• Kauf auf Rechnung & Lastschrift Embedded payment methods (purchase on invoice and SEPA direct debit) for online retailers, with Consors Finanz taking on credit decisioning and receivables management.
• Händlereinkaufsfinanzierung B2B inventory financing product that provides dealers and retailers with working capital to purchase stock for resale.
• B2B-Banking-Lösungen Suite of B2B banking solutions (accounts, payments, cash management) tailored to commercial partners of Consors Finanz.
• Leasing Leasing solutions for business customers, covering equipment, vehicles, and other assets, distributed under the Consors Finanz B2B line.
• Rata@Net (B2B-Partnerplattform) B2B partner platform enabling credit intermediaries and merchants to originate and manage Consors Finanz consumer credit contracts online.
• Sorglospaket (Versicherungspaket) Insurance bundle combining travel, shopping, and account protection covers, distributed as an add-on to Consors Finanz credit products.
• CashClick Mobile peer-to-peer money transfer feature integrated into the Consors Finanz banking app, enabling customers to send and receive funds.
• Sonderfinanzierungen (Solaranlagen-Kredit, Wallbox-Kredit) Targeted consumer credit products financing solar installations and EV wallboxes, typically distributed through installer and dealer partners.

Quantifiable outcome

• Consors Finanz Mastercard: credit limit up to €5,000; interest-free period up to 90 days; no annual fee
• +2 more outcomes

Segments4 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

AI capability5 records

Feature8 records

Partnerships

13 partnerships are on record, tiered core and minor.

• Cardif Allgemeine Versicherung and Cardif LebensversicherungcoreStrategic or Co-development PartnerCardif (a BNP Paribas subsidiary) provides insurance products distributed through Consors Finanz including the Sorglospaket (credit protection / Restschuldversicherung), GAP insurance, device protection, vehicle insurance, and other complementary insurance. Cardif is the primary insurance partner, offering both property and life insurance products for consumers financing purchases through Consors Finanz. Both are Zweigniederlassungen (branches) of French Cardif entities headquartered in Gerlingen, Germany.
• Bank-VerlagcoreTechnology or IntegrationBank-Verlag provides the PSD2 XS2A/TPP interface for Consors Finanz, enabling third-party payment service providers to access account information and initiate payments per European PSD2 regulation. The partnership was launched on 14 March 2019 with a sandbox testing environment.
• Meta (Facebook / Instagram)minorGTM or Marketing PartnerMeta advertising platforms (Facebook, Instagram) are used for paid social advertising and retargeting campaigns. Tracking cookies (_fbc, _fbp) capture ad click attribution for campaign measurement.
• Microsoft Advertising (Bing Ads)minorGTM or Marketing PartnerMicrosoft Advertising (Bing, Microsoft Audience Network) is used for paid search and display advertising campaigns with tracking via _uetmsclkid, _uetsid, _uetvid cookies.
• OutbrainminorGTM or Marketing PartnerOutbrain content recommendation and native advertising platform used to display targeted content recommendations and ads to website visitors.
• Xandr / Microsoft Advertising (Programmatic)minorGTM or Marketing PartnerXandr (part of Microsoft Advertising) provides programmatic advertising platform and real-time bidding for display ad campaigns via cookies including uuid2, anj, and TDID.
• PinterestminorGTM or Marketing PartnerPinterest advertising and content marketing partnership used for visual content discovery campaigns with tracking via _pinterest_sess, _pinterest_ct_rt, _epik cookies.
• SnapchatminorGTM or Marketing PartnerSnapchat advertising platform used for paid social campaigns targeting German users with tracking via sc_at, _scid, _sc-sid cookies.
• TaboolaminorGTM or Marketing PartnerTaboola content recommendation platform used for native content and advertising placements with tracking via t_gid cookie and session identifiers.
• The Trade DeskminorGTM or Marketing PartnerThe Trade Desk demand-side platform (DSP) used for programmatic advertising campaign management with tracking via TDID, TDCPM, TTDOptOut cookies.
• Twitter / X (Advertising)minorGTM or Marketing PartnerTwitter advertising platform used for paid social marketing campaigns.
• MastercardcoreStrategic or Co-development PartnerConsors Finanz issues the Mastercard-branded credit card (Consors Finanz Mastercard). Partnership includes Mastercard Identity Check (3D Secure), contactless/NFC payments, Apple Pay and Google Pay integration, and global Mastercard payment network acceptance.
• HEM expert (expert Handels GMBH Süd-West & Co. KG)minorChannel Partner/ Reseller/ DistributorHEM expert is a stationary retail partner that processed consumer goods financing (Warenfinanzierung) applications on behalf of Consors Finanz. HEM expert handled AML/KYC identification checks for credit applications. On 18 July 2025, HEM expert experienced an IT security incident affecting customer identification documents stored in their systems. The incident was limited to HEM expert; other expert-group companies were not affected.

Scale indicators2 records

Recent moves3 records

Expansion highlights5 records

Broad incumbents

• DKB (Deutsche Kreditbank): German digital bank offering consumer credit products, current accounts, and online banking. Comparable as a digital-first German bank serving consumer finance customers, with broader banking scope.
• ING-DiBa: Largest direct bank in Germany with a broad retail banking offering including consumer loans, mortgages, and credit products. Comparable as a major digital banking incumbent serving German consumers, though with broader product scope.

Direct peers

• Targobank: Major German consumer and business bank with a strong credit card, personal loan, and auto financing franchise. Closely overlaps with Consors Finanz's consumer credit product set and German retail customer base.
• Advanzia Bank: German-headquartered Mastercard issuer focused on credit cards and revolving credit for retail customers. Comparable as a digital-first credit card specialist competing in the same German market.
• Bank of Scotland (Lloyds Banking Group Germany): German consumer credit operation of Lloyds Banking Group offering installment loans and credit products to German consumers. Directly comparable product offering in the German consumer credit market.
• Creditplus Bank: German consumer credit specialist (part of Crédit Agricole Consumer Finance) offering installment loans and dealer financing. Comparable in product set and target segments (consumer lending, automotive, retail partner financing).
• Santander Consumer Bank: One of the largest consumer finance providers in Germany, offering credit cards, installment loans, auto financing, and dealer financing. Directly comparable as a digital-first consumer credit competitor serving the same German retail and B2B partner channels.
• Hanseatic Bank: German direct bank specializing in credit cards (including a Mastercard) and personal installment loans. Highly comparable product mix and digital-only distribution model serving German consumers.

Emerging players

• PayPal Germany (PayPal Credit): Operates PayPal Credit and Pay in 4 installment products across German merchants. Comparable in BNPL/credit at e-commerce checkout, with broader payment ecosystem and stronger brand recognition.
• Klarna Germany: Leading BNPL provider in Germany offering pay-later and installment options at online and offline merchants. Comparable in BNPL and merchant point-of-sale credit, but with a digital-native, non-bank model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/c/ConsorsFinanz
• Facebookfacebook.com/consorsfinanz
• LinkedInlinkedin.com/company/consors-finanz-bnp-paribas
• Instagraminstagram.com/consorsfinanz

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Consors Finanz