Preconditions
- Private individual between 18 and 64 years old
- Permanent employment contract
- E-mail address and Swiss phone number
- Resident in Switzerland
- Swiss bank account
PostFinance personal loan
The smart loan for your plansAre you planning further education, a move or do you need a new car? Whatever your plans, we support you unfailingly and at fair conditions.
PostFinance personal loan: simply apply online
-
Amounts of CHF 1,000 to 80,000
-
Terms of 6 to 84 months
-
Fair and transparent conditions, interest from 3.95%
-
Early repayment possible
-
Option of cover in the event of involuntary unemployment
-
Three easy steps
- Fill in the online loan application: enter the amount and term you want.
- 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.
Cooperation partners
PostFinance offers PostFinance personal loans in cooperation with bob Finance. bob Finance is a branch of Valora Schweiz AG, which is based in Zurich.
-
Current interest rates
Your actual annual interest is calculated depending on your creditworthiness, with a minimum interest rate of 3.95% and a maximum rate of 6.9%.
Terms
6 to 84 months
Loan amount
From CHF 1,000 to CHF 80,000.
Sample calculation
Credit amount: CHF 20,000; term: 36 months. Monthly credit rates: CHF 589.40 (3.95%), CHF 614.70 (6.9%). Interest costs for the entire term: CHF 1,218.40 (3.95%), CHF 2,129.20 (6.9%).
The granting of credit is prohibited if it leads to the overindebtedness of the consumer (Art. 3 UCA).
-
General
-
With the PostFinance personal loan, you receive a loan brokered by PostFinance. 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 apply for a loan, 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
- E-mail address and Swiss 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. Documents, such as a copy of your identity card, your last three pay slips and your Swiss bank account number, must also be submitted. You send these documents directly to our cooperation partner bob Finance.
-
No. The precondition for a PostFinance personal loan is a Swiss bank account, whether with PostFinance or another bank.
-
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.
Conditions
-
The interest rate is between 3.95% and a maximum of 6.9%. 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 6 to a maximum of 84 months.
-
We offer loan amounts from CHF 1,000 to a maximum of CHF 80,000.
-
Payment protection insurance protects you against 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.
Required information
-
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. You do not need to inform anyone why you are applying for a loan.
Loan commitment
-
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.
Payment
-
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.
Repayment
-
Yes, you can, of course. Please call bob Finance on 0848 888 711 an (Mon.–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.).
Cooperation partners
-
PostFinance cannot issue loans to third parties 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.
-