bob Finance Loan: Digital Application at a Glance
bob Finance issues online personal loans from CHF 1'000 to 80'000, entirely without a branch visit. The application runs on your phone or computer, identification happens by video call or e-signature, and rates range between 4.7% and 9.9% effective annual rate. Whether the offer fits your situation depends on your employment and your creditworthiness. We show you where bob Finance is strong and where other providers fit better.
bob Finance: The Digital Lender
bob Finance is the lender behind a fully digital loan process: fill out the form, video identification or e-signature, decision usually within 24 hours. PostFinance distributes the same loan through its own channels, but it is issued by bob Finance itself.
The profile that fits best: permanently employed, good to very good creditworthiness, digitally comfortable, and without a need for a personal advisory meeting. Anyone who is self-employed or has irregular employment will not find access at bob Finance.
Whether bob Finance is the right choice in your individual case depends on more than the interest rate. That is exactly where we come in: instead of working through several applications yourself, each of which is entered into ZEK and can weaken your creditworthiness, one inquiry through privatkredit.ch clarifies which provider fits your profile, bob Finance included.
bob Finance Terms at a Glance
- Loan amount
- CHF 1'000 to CHF 80'000
- Rate band
- 4.7% to 9.9% effective annual rate, fixed over the entire term
- Term
- 6 to 120 months
- Application method
- Fully digital: online form, video identification, or e-signature
- Decision
- Usually within 24 hours
- Withdrawal period
- 14 days before disbursement (Art. 16 CCA)
- Early repayment
- Possible at any time, without penalty
- Creditworthiness check
- ZEK record, no open debt collection entries required
- Employment requirement
- Permanent employment, no self-employment
- Distribution
- Directly via bob.ch as well as through PostFinance as a distribution partner
Who bob Finance Suits
bob Finance FAQ
- 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
- 1bob.ch. bob.ch
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