How long does a credit decision take at Bank-now?

Bank-now usually decides within one business day, in the best case the same day. After approval, disbursement follows within 3 to 5 business days. CREDIT-now, the same company's express loan product, decides within around 30 minutes.

What do the two free payment pauses offer?

The monthly installment can be postponed twice by one month each, without extra cost. The term is extended accordingly. This is helpful in a tight month, for example due to reduced working hours or unexpected expenses.

Is Bank-now a UBS subsidiary?

Yes, Bank-now is a wholly owned subsidiary of UBS. The products are processed digitally, but the company sits fully within the UBS group.

What interest rates do homeowners get at Bank-now?

Anyone who has been sole or joint owner of a property in Switzerland for at least six months receives interest rates of 4.9% to 8.9% instead of 4.9% to 9.9%. That is roughly a one percentage point difference.

What is the difference between CREDIT-now and Bank-now?

Both belong to the same company. CREDIT-now is built for speed and decides within around 30 minutes, Bank-now is the standard product with the 10 percent online discount and a somewhat longer, but still fast, processing time.

Loan Provider Profile

Bank-now Loan: UBS Subsidiary with Online Discount

Bank-now is a wholly owned subsidiary of UBS and one of several market participants we review for you. You do not need to find out yourself whether Bank-now fits your profile: one inquiry through privatkredit.ch is enough, we know the terms and put them into context for you.

Who Is Bank-now

UBS Security, Digital Processing

Bank-now was founded in 1997 and has been UBS's digital brand for decades. While the classic UBS branch handles mortgages and wealth management, Bank-now focuses on simple, fast products such as accounts, savings, and, of course, loans.

In the 2010s, CREDIT-now was added, the same company's express loan product with a decision within roughly 30 minutes. Bank-now itself usually decides on the standard application within one business day.

For applicants who complete the entire process online, Bank-now grants a 10 percent discount on the annual interest rate. Anyone who instead uses branch advice does not receive this discount. If you apply through privatkredit.ch, you do not need to know these details yourself: we put together your inquiry so it fits your profile, and you keep an overview of the respective bank's conditions.

Figures at a Glance

Bank-now: The Key Facts

Company name: BANK-now AG / CREDIT-now (both UBS subsidiaries)
Headquarters: Zurich
Parent company: UBS AG
Interest rates: 4.9%-9.9% effective annual rate (with 10% online discount: 4.4%-8.9%)
Loan amounts: CHF 500-250'000
Terms: 12-84 months
Fees: No issuance commission
Decision: Usually within one business day (CREDIT-now: around 30 minutes)
Early repayment: Free of charge at any time
Special feature: Two free payment pauses of one month each

Who Bank-now Suits

These Profiles Benefit Most

Anyone who can complete the application entirely online and thereby benefit from the 10 percent rate discount.

Homeowners who have held sole or joint ownership of a property in Switzerland for at least six months and thereby receive better interest rates.

People with a good ZEK record and stable income who want to reach the lower end of the creditworthiness rate band.

Borrowers who value financial flexibility: the two free payment pauses absorb a tight month without extra cost.

Frequently Asked Questions

Bank-now: Questions and Answers

The discount applies to the annual interest rate when the application is submitted entirely online. At normal creditworthiness, this lowers the rate from around 5.9% to around 5.3%. Over 60 months on CHF 20'000, that makes a difference of several hundred francs.

Laufend aktualisierter Beitrag

Transparenz nach den publizistischen Leitlinien von privatkredit.ch

Stand: July 2026

Autor: privatkredit.ch Editorial Team, Editorial Team for Loans & Financing
Fachliche Prüfung: Redaktionsinterne Gegenprüfung durch Kreditfachleute
Zuletzt aktualisiert: July 7, 2026, Inhalte werden laufend aktualisiert
Unabhängigkeit: Unabhängige Recherche, ausschliesslich offizielle Schweizer Quellen

Quellen und Referenzen

1Bank-now. bank-now.ch

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