The PostFinance personal loan is brokered by PostFinance to private individuals. The contractual partner is bob Finance. bob Finance is part of Valora Schweiz AG and has been operating successfully in the lending business as a financial service provider since 2016.

To take out a loan in Switzerland, you must be between 18 and 64 years old, have a permanent employment contract and be resident in Switzerland.

• Private individual between 18 and 64 years old
• Permanent employment contract
• Good creditworthiness
• E-mail address and Swiss mobile phone number
• Resident in Switzerland
• Swiss citizen or foreign national with the B or C residence permit
• Swiss bank account

When you apply for a PostFinance personal loan, personal details and information about your income and expenditure are required. You provide this information directly to our cooperation partner bob Finance.

For the loan application, it is usually sufficient to submit a copy of your ID, your last three payslips and your Swiss bank account number. You send these documents directly to our cooperation partner bob Finance.

No. The precondition for a PostFinance personal loan is a bank account in Switzerland, whether with PostFinance or another bank.

Unlike lease interest, you can claim loan interest as tax exempt.

Yes. You only need to indicate the previous bank and the remaining balance in the loan application. Our cooperation partner bob  Finance will do all the rest for you.

In order to switch an existing loan, you must request the change in the loan application. Please send the loan balance with the third-party bank to our cooperation partner bob Finance, for example, with a current account statement from your loan account. There is nothing else you need to do.

Yes, that’s possible.

Yes. You can apply for the loan amount quickly and conveniently at any time online.

The interest rate is between a minimum of 4.90% and a maximum of 8.90%. The effective interest rate is calculated on the basis of your creditworthiness and communicated to you after the application has been checked.

The term can be from a minimum of 6 months to a maximum of 84 months.

You can apply for small loans from CHF 1,000 as well as large loans up to a maximum of CHF 80,000.

Payment protection insurance protects in the case of involuntary unemployment or incapacity to work or earn a living. In the event of this happening, the insurance policy covers part or all of the obligations arising from your loan agreement. The payment protection insurance policy is brokered by our cooperation partner bob Finance. The insurer is AXA Insurance Ltd, General-Guisan-Strasse 40, 8400 Winterthur.

The expenses you must specify are the fixed costs you have each month. These include rent for accommodation, food, education costs and childcare fees etc. PostFinance and our cooperation partner bob Finance place great emphasis on responsible lending and the protection of customers and rigorously comply with the legal provisions. bob Finance does not issue loans which may result in overindebtedness.

A personalized budget is created for the credit check and all living and housing circumstances are individually taken into account. This means your expenses are a key criterion in the calculation of the loan amount. PostFinance and our cooperation partner bob Finance place great emphasis on responsible lending and the protection of customers and rigorously comply with the legal provisions. bob Finance does not issue loans which may result in overindebtedness.

The more income you have, the higher your budget and thus the potential loan amount. This includes, for example, income from real estate, bonus payments, etc.

No. No matter if you’re purchasing a car, renovating your home or furthering your education, you do not need to tell anyone why you are applying for a loan.

If you are already a PostFinance customer, you have the option of transferring data automatically (specifically personal details and identity checks) to bob Finance for your personal loan application. Authentication is carried out using the data stored in your PostFinance customer profile; when completing the application, you use your PostFinance login for authentication and agree to the transfer of data to our cooperation partner bob Finance.

The only data transferred is that relating to you personally (first name, last name, title, date of birth), your contact details (domicile address, e-mail, telephone number) and an identity document (ID type, nationality, serial number, date of issue, copy of the ID, time of identification by PostFinance). Automatic data transfer reduces the manual entry of your details in the bob Finance application process.

You cannot currently be granted a PostFinance personal loan due to your personal creditworthiness. Our cooperation partner bob Finance exclusively issues loans to customers with the highest level of creditworthiness in order to minimize its own personal debt risk.

After submitting your online application, you will find out from bob Finance which documents you still need to send to bob Finance to complete the credit check. After receipt and successful verification of the documents submitted, you will generally be contacted by bob Finance on the following working day with a loan offer which you can then sign.

The revocation period is a period of time during which a borrower can withdraw from a loan agreement. This period allows the borrower to revoke an already concluded loan agreement in writing within the first 14 days. The revocation period begins with the submission of the copy of the signed loan agreement.

Yes. You can specify a Swiss bank account in your name when you apply for a loan. The loan amount will be transferred to that account.

No. The PostFinance personal loan will be transferred directly to your private account at PostFinance or an account with a Swiss bank of your choice.

The loan will be paid out after the expiry of the 14-day statutory revocation period (see the question “What is the revocation period?”). The requested loan amount will be available in your bank account two to three working days after the expiry of the revocation period.

Yes, you can, of course. Please call bob Finance on 0848888711 (Mon to Fri: 8 a.m. to 6 p.m.). 

Our cooperation partner bob Finance will look for a fair solution together with you. Please call bob Finance on 0848 888 711 an (Mon.–Fri.: 8 a.m. to 6 p.m.). 

PostFinance cannot issue loans to third parties itself as a provider for legal reasons. In order to offer our customers a comprehensive range of products, we offer the PostFinance personal loan together with a cooperation partner. PostFinance receives a commission for brokering loans.

The PostFinance personal loan is offered in collaboration with bob Finance. bob Finance is a branch of Valora Schweiz AG, which is based in Zurich.  

PostFinance will not pass on data without your consent. You enter your details for the loan directly in the application section on the website of our cooperation partner bob Finance.

Yes. The term is not used consistently. Other terms include private loan, personal credit, consumer credit or small loan. Of course, you can also use the PostFinance personal loan as a car loan or further education loan. It’s solely your decision how you use the loan.