PostFinance loan calculator

Calculate your loan repayment in a flash

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The loan calculator allows you to calculate your preferred loan quickly and easily. Whether it’s for a new purchase, switching an existing loan or personal projects: the loan calculator shows you the estimated monthly costs for the loan amount you want quickly, transparently and with no obligation.

Greater clarity in just a few clicks – with the loan calculator

  • Estimated loan repayments calculated in real time
  • Make a non-binding enquiry online
  • Transparent conditions and fair interest rates
  • Quick and digital processing
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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 loan calculator is intuitive to use and provides you with an initial overview of monthly loan repayments for your preferred loan amount and loan term in just a few steps. How to use the calculator:

    1. Set the loan amount: select an amount between CHF 1,000 and CHF 80,000. ​
    2. Choose the loan term: select a term between six and 84 months.​ ​
    3. Show the result: the calculator shows you the minimum or maximum monthly loan costs. ​

    The interest rate applicable to you and the actual interest costs this yields are ascertained based on the details in your loan application. Once your application has been verified, you will receive all the details in the loan offer by e-mail. Our partner bob Finance processes the loan and concludes the contract.

  • Yes, you can use the loan calculator free of charge and with no obligation. You can compare different loan options and calculate your monthly loan repayments – with no need whatsoever to register or commit. Our online loan calculator is for your guidance only and helps you to make informed decisions about the loan you want. If you would like to apply for a PostFinance personal loan, you can apply digitally.

  • The actual interest rate is calculated individually based on your credit standing, i.e. your borrowing capacity and creditworthiness, and is between 4.9 and 8.9 percent.

  • The maximum loan amount depends on your credit standing. In accordance with the Consumer Credit Act (CCA, Art. 27a), the lender is obliged to check the borrower’s credit standing. Borrowing capacity and creditworthiness are determined to help with this. More specifically, a personalized budget is drawn up during the borrowing capacity check, taking the borrower’s own situation into account. For this reason, you will be asked to declare your incomings and expenditure in the loan application. Our cooperation partner bob Finance exclusively issues loans to customers with the highest credit standing in order to minimize their own personal risk of getting into debt. Lending is forbidden if it leads to overindebtedness (Art. 3 let. n of the Federal Act on Unfair Competition).​ You can find more details on the creditworthiness check in our blog.

  • The term affects both your monthly loan repayments and the total cost of your loan. A longer term reduces your monthly payments but increases your interest costs. It is important to strike the right balance between an affordable monthly loan repayment and the lowest possible overall costs.
     

  • Once the calculation is complete, you can apply for a loan directly online. Our partner bob Finance checks your details, carries out a creditworthiness check and informs you of the next steps. ​Please also make sure you have your most important documents ready, such as payslips and a copy of your ID.

     

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