BANK-now | Perfectly set up

In good hands
with the right loan.

You can request a credit increase or change to the repayment term at any time. If you pass the repeat solvency check, your existing credit contract will be replaced with a new one.

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You can defer your monthly installments on two separate occasions free of charge.

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We take care of redeeming your outstanding loans and costly credit card commitments with other providers and combine them into a single loan.

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Even if the statutory withdrawal period has elapsed, you can still repay the money free of charge within ten days of it having been paid out to you.

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Working in collaboration with you, we determine how much additional credit you could receive from us. If required, we will assess the potential for an increase and replace your existing contract with a new one if you pass the repeat solvency check.

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We make sure that you can comfortably afford your monthly installments. Our certified team of experts is on hand to provide you with in-person advice free of charge at one of our 16 branches or by telephone. Or you can complete a quick financial check yourself on our website at any time.

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Simple and convenient

Immediate

Credit assessment

You can calculate your installments online and find out whether your requested credit amount is within your budget thanks to the initial assessment. You can even submit your application for a loan directly.

Thorough

Solvency check

You will receive a credit decision from us within 3 working days once we have carefully reviewed the information and documents submitted with your application and carried out a solvency check.

Direct

Payment

The credit amount will be paid directly into your account immediately after the statutory waiting period of 14 days.

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Which loan fits my budget?

To the quick financial check

FAQs – your most frequent questions

What interest rate do I get? What is creditworthiness?

The effective interest rate is calculated based on creditworthiness and shared with the borrower after the application is reviewed.

Creditworthiness describes the ability of a person to repay the debt they take on. A leasing or credit client's creditworthiness indicates the likelihood that the client will be able to make the required repayments. Solvency is assessed within the scope of the Swiss Consumer Credit Act (CCA). In addition to solvency, the check also covers creditworthiness, which serves to assess whether the client is trustworthy based on their credit history.

Am I insured in case of unemployment or incapacity to work?

Loan installments are already insured free of charge in the event of death with all financing solutions from CREDIT-now. In addition, interest and installment payments can be insured against involuntary unemployment and incapacity to work for a fee. Detailed information can be found in the general contractual terms and conditions in the event of death and the general insurance terms and conditions in the event of incapacity to work and involuntary unemployment. We would be happy to answer any questions and clarify any uncertainties you may have via telephone at 0800 40 40 42.

What documents are required for a credit application?

In order to process your credit application, we need the following documents:

A copy of your official form of ID (passport, identity card, driver's license, or foreigner's ID card [front and back]).
A copy of a proof of income in the form of pay slips for the past three months.

What characterizes responsible lending?

As a loan provider, we have a great responsibility toward you and society. We rise to this responsibility by valuing personal consultations, so that we can address your needs and options and resolve any uncertainties. We take our time to answer your questions and explain possible risks in advance. The thorough credit or solvency check we carry out when you apply (within the scope of the Swiss Consumer Credit Act, CCA) ensures that you can afford the loan. It is therefore entirely in your interest for the credit approval process to be handled with care.
(Information leaflet from the KFS [Swiss Consumer Finance Association] on responsible lending and possible risks in the event of misfortune for the borrower)

Promise of clarity

Our 80 specialists are available to provide you with clear and accessible advice in over 15 languages.

Our branches

Loan illustration: A loan of CHF 10'000 with an effective annual interest rate between 5.9 % and 10.9 % results in total costs of CHF 314.00 to CHF 572.00 for 12 months and monthly installments of CHF 859.50 to CHF 881.00. The interest rate depends on the customer's creditworthiness.

In good hands with the right loan.

Included free of charge