PostFinance AG is a well-established Swiss financial services provider and a subsidiary of Swiss Post. The personal loan is offered in cooperation with Valora Bank AG (bob Finance). Valora Bank is a licensed Swiss bank under the supervision of FINMA (Swiss Financial Market Supervisory Authority). This partnership combines PostFinance’s stability with modern, digital loan solutions.
This partnership combines PostFinance’s stability with modern, digital loan solutions.
The Personal Loan from PostFinance
The PostFinance personal loan is suitable for financing a wide range of personal projects and is available to individuals residing in Switzerland. Applications can be submitted easily online.
Detailed information about the online personal loan: PostFinance
| Effective annual interest rates: | 3,95% - 8,90% |
| Amount of loan | 1.000 CHF - 80.000 CHF |
| Term | 6 - 84 Months |
| Fees: | none |
Representative example
| Amount of loan | 50.000 CHF |
| Term | 48 months |
| Monthly costs | 1.128 CHF - 1.242 CHF |
| Total costs: | 54.136 CHF - 59.610 CHF |
Loan features
| Second applicant possible: | Yes |
| Credit insurance possible: | Yes |
| Free early repayment: | Yes |
| Free full repayment: | Yes |
| No fees: | Yes |
| Loan refinancing possible: | Yes |
| Loan increase possible: | Yes |
| Document upload possible: | Yes |
| Digital signature: | Yes |
| 100% Online: | Yes |
| Loan decision within 24 hours: | Yes |
Conditions
| Maximum age: | 64 (at the end of the contract) |
| Employment type: | Permanent employment |
| Self-employed possible: | No |
Documents to be submitted
| ID, C/B permit, pay slips (last 3 months) |
Remarks
| Important: The minimum interest rates shown by credit providers are granted to only a small fraction of applicants. Credit specialists negotiate with the banks on your behalf. By submitting an optional Loan Enquiry on our website, you will receive free, personalized advice. This preliminary consultation is conducted without a ZEK enquiry. |
PostFinance Personal Loan Details
PostFinance offers personal loans from CHF 1,000 up to CHF 80,000. Loan terms range from 6 to 84 months. The effective annual interest rate varies between 3.95% and 8.90%, depending on creditworthiness and loan term.
Applications can be made online or by phone. After a credit assessment, customers receive a prompt preliminary decision. The contract can be signed either digitally or by post. Monthly installments remain constant, ensuring predictable repayment. The loan amount is paid out to the borrower's bank account after the statutory 14-day withdrawal period.
Loans are granted in accordance with the Swiss Consumer Credit Act (KKG).
Advantages of a Postfinance personal loan
The advantages at a glance:
- Cooperation with bob Finance (Valora Bank AG)
- Quick loan decision after online or phone application
- Digital contract processing
- Payout after the withdrawal period
- No hidden fees
The loan application is simple, clear, and fast via the PostFiance website through a credit request. PostFinance reviews and decides on the application quickly and discreetly. After the contract is signed, the loan amount is transferred to the bank account following the legal withdrawal period of 14 days.
* Note: The PostFinance is currently not offered by any of our partners.