- Ownership: the vehicle belongs to you from the outset
- Flexibility: no mileage limit or mandatory fully comprehensive insurance
- Tax benefits: interest is tax deductible in Switzerland
- Selling option: you can sell the car at any time or repay the loan early
PostFinance car loan
The quick and easy way to get the car you want
A car loan is the ideal solution for your car financing. Whether you’re buying a new or used car, we offer fair interest rates, individual terms and maximum flexibility. Enjoy the freedom to drive without any lease obligations.
What are the advantages of a car loan compared to leasing?
What requirements do you need to meet for a car loan?
- 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
Three easy steps
- Apply for the car loan online: enter the amount and term you want in the loan application.
- Notification of loan decision: you’ll immediately receive a provisional decision and then the definitive loan offer from our cooperation partner bob Finance after a thorough assessment of the documents submitted.
- Receipt of loan amount: if you accept the loan offer, our cooperation partner bob Finance will transfer the loan amount to you after the expiry of the 14-day statutory revocation period.
PostFinance offers PostFinance personal loans in cooperation with bob Finance. bob Finance is a branch of Valora Schweiz AG, which is based in Zurich.
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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.
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Yes, car loans can be used for both new and used cars, regardless of whether the purchase is from a dealer or a private individual.
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Yes, the car loan can be repaid early at any time. Please call bob Finance on 0848 888 711 (Mon to Fri: 8 a.m. to 6 p.m.).
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Yes, private individuals can deduct the debt interest on a car loan from their taxable income on their tax return. No tax deduction is possible for lease payments.
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The optimal term depends on your budget and the purchase price. You can choose between 6 and 84 months. A longer term will reduce your monthly financial burden.
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Once all documents have been received and a creditworthiness check has been successfully carried out, the loan decision is generally made within a few working days. The payment is made after expiry of the 14-day statutory revocation period.
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Yes, you can apply for a car loan conveniently online. You’ll immediately receive a provisional decision and then the definitive loan offer from our cooperation partner bob Finance after a thorough assessment of the documents submitted.
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You can sell your vehicle at any time. It is important that the outstanding loan amount continues to be paid. It’s also possible to repay the loan in full ahead of schedule.
