- 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 bank account
Are you planning further education, a move or do you need a new car? We provide you with reliable support at fair conditions. With our low interest rates, you might even be able to save money if you switch your current loan.
Amounts of CHF 1,000 to CHF 80,000
Terms of 6 to 84 months
Fair and transparent conditions, interest from 4.90% to 8.90%
Early repayment and special repayment possible
Option of cover in the event of involuntary unemployment
PostFinance offers PostFinance personal loans in cooperation with bob Finance. bob Finance is a branch of Valora Schweiz AG, which is based in Zurich.
The exact interest rate is calculated based on the detailed information in your loan application.
Interest rate of at least
Interest rate of max.
6 to 84 months
From CHF 1,000 to CHF 80,000
Credit amount: CHF 20,000 with a term of 36 months.
The granting of credit is prohibited if it leads to the overindebtedness of the consumer (Art. 3 UCA).
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.
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 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.
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.
Yes, you can, of course. Please call bob Finance on 0848888711 (Mon to 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.
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.