How high are the interest rates at PostFinance?

The effective annual rate ranges between 3.95% and 6.9%. Where exactly you land depends on your creditworthiness, the term, and the loan amount.

Can I apply for the loan at a post office branch?

Yes. You can apply in person at a post office branch with a loan counter. Not every post office branch offers this service, so it is worth checking in advance.

What is the difference between PostFinance and bob Finance?

The difference lies in the distribution channel. PostFinance uses the post office network in addition to the online channel, bob Finance is purely digital. In both cases, the loan is processed by bob Finance.

How long does it take until disbursement?

You usually receive a loan offer within 24 hours. After signing, the 14-day withdrawal period under Art. 16 CCA applies, followed by disbursement. In total, the process from inquiry to disbursement takes around 1 to 3 weeks.

Can self-employed people also apply for a PostFinance loan?

No. As with bob Finance, permanent employment is a requirement, self-employed people and the newly self-employed are not considered.

Loan Provider Comparison

PostFinance Personal Loan: Terms, Process, and Context

PostFinance distributes the personal loan through post office branches and online, while it is processed by bob Finance. We explain what that means for you and whether PostFinance fits your profile.

Who Stands Behind the Offer

PostFinance as Distribution Partner, bob Finance as Lender

PostFinance does not issue the personal loan itself. The actual lender is bob Finance AG, PostFinance is the intermediary and customer contact point. That means you receive the same digital creditworthiness check as with bob Finance directly, but you can additionally submit the application at a post office branch and speak with someone.

As a loan seeker, what matters to you is which profile is most likely to receive a loan offer from which provider. That is exactly why an inquiry through privatkredit.ch delivers more than going through a single bank on your own: we know the providers' requirements and route your inquiry to where it fits your profile, instead of you contacting several places individually and leaving unnecessary marks in ZEK along the way.

PostFinance is best suited for people with permanent employment, a clean ZEK record, and a wish for personal advice on site. Self-employed people and the newly self-employed do not qualify here.

Terms

PostFinance Personal Loan at a Glance

Loan amount: CHF 1'000 - 80'000
Rate band: 3.95% - 6.9% effective annual rate
Terms: 6 - 84 months
Lender: bob Finance AG (PostFinance is the intermediary)
Application methods: Online via postfinance.ch or in person at a post office branch
Processing time: Loan offer within 24 hours, disbursement after around 1-3 weeks
Fees: No processing or administration fee, free early repayment (Art. 17 CCA)
Requirements: Age 18-64, Swiss citizen or B/C permit for at least 12 months, permanent employment, clean ZEK record

Who PostFinance Suits

These Profiles Have Good Chances at PostFinance

Permanently employed people with a regular salary and a clean ZEK record

Swiss citizens or people with a B/C permit for at least 12 months

Anyone who prefers personal advice at the post office branch over a purely digital process

Anyone who lives or works near a post office branch with a loan counter

Frequently Asked Questions

PostFinance Personal Loan: Questions and Answers

PostFinance is the intermediary, not the lender. The actual lender is bob Finance AG: PostFinance sells and services the loan, bob Finance checks creditworthiness and carries the financial risk.

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

1PostFinance Privatkredit. postfinance.ch/en/private/financing/personal-loan.html

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