Car, motorbike, camper - you're spoilt for choice. If you don't have the cash to buy a car, a car loan may be your solution.
Which solution is right for you depends very much on your circumstances and goals.
With a car loan you have some advantages over leasing, because the car is yours, which gives you more flexibility. There are other advantages and differences. Visit our blog page.
You can find out which vehicle financing is right for you either right here or during a personal consultation in one of our branches or by phone on 0800 40 40 42.
From just
From just
- You are a permanent resident in Switzerland
- You are at least 20 years old
- You have Swiss citizenship, a C permanent residence permit, or a B residence permit
- If you own your own home, you benefit from lower interest rates: You have been the sole owner or co-owner of a property in Switzerland for at least six months (entry in the land register)
- Interest deductible from taxable income.
- We don't charge any opening fees or commission
- Repayment in equal monthly installments.
- The credit amount will be paid directly into your account immediately after the statutory waiting period of 14 days.
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.
You can defer your monthly installments on two separate occasions free of charge.
* No option to defer or pause payment is offered in connection with special promotions.
We take care of redeeming your outstanding loans and costly credit card commitments with other providers and combine them into a single loan.
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.
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.
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.
We are there for you – before, during, and after you take out credit; online, by phone, or in person at your nearest branch – choose from 16 locations.
Our 80 specialists are available to provide you with clear and accessible advice in over 15 languages.
For a fee, you can take out payment protection insurance so that your installments will still be paid if you become unemployed or unable to work through no fault of your own.
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.
You can defer your monthly installments on two separate occasions free of charge.
* No option to defer or pause payment is offered in connection with special promotions.
We take care of redeeming your outstanding loans and costly credit card commitments with other providers and combine them into a single loan.
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.
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.
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.
We are there for you – before, during, and after you take out credit; online, by phone, or in person at your nearest branch – choose from 16 locations.
Our 80 specialists are available to provide you with clear and accessible advice in over 15 languages.
For a fee, you can take out payment protection insurance so that your installments will still be paid if you become unemployed or unable to work through no fault of your own.
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The path to a loan
With LEASE-now, you can calculate your lease payment conveniently and simply directly on our website.
With CREDIT-now Classic and CREDIT-now Casa, the amount of the effective annual interest rate depends on your creditworthiness and can only be determined on the basis of the detailed information you provide in the online application.
You can fill out and submit the application for your required loan amount online right now. To process the application, we also need the following documents, which you can simply attach to the online application:
- Copy of your official ID
This includes passport, ID card, driver’s license, or foreigner's ID card (including copy of the reverse side). - Copy of your last pay slip (optional)
- If you have registered a second applicant , please also attach official ID for this applicant and optionally a copy of their last pay slip.
With LEASE-now, the vehicle serves as collateral. BANK-now contacts your garage owner directly.
We will review your application for CREDIT-now as soon as we have received all the necessary documents.
By performing a thorough check during the application process, we make sure that the chosen financing option is the right solution for you. It is therefore entirely in your interest for the lease or credit approval process to be handled with care.
Generally, you will receive a response within 3 working days.
If you opt for LEASE-now, then you will sign your contract directly at the handover of the vehicle. The seller will then arrange for the return of the contract to BANK-now.
If applying for CREDIT-now Classic or CREDIT-now Casa, you will receive an offer in the mail or by email two days later. If you are happy with the offer, send the signed documents back to us by mail.
Please do not hesitate to contact us if you have any questions, either in person at one of our branches or by telephone at the relevant number. For a loan 0800 40 40 42 and for leasing 0800 40 40 43.
For LEASE-now, BANK-now transfers the vehicle purchase price to the garage owner directly.
If you opt for CREDIT-now Classic or CREDIT-now Casa, there is a waiting period for the payment of the money. The statutory waiting period of 14 days starts as soon as you have returned the signed contract to us. After this waiting period, the money will be transferred to your bank account.
With CREDIT-now Classic, the comprehensive security package even gives you a further ten days after the loan has been paid out to you to change your mind and repay the loan free of charge.
Promise of clarity
Our 80 specialists are available to provide you with clear and accessible advice in over 15 languages.
Loan illustration: A loan of CHF 10'000 with an effective annual interest rate between 5.9 % and 11.9 % results in total costs of CHF 314.00 to CHF 622.40 for 12 months and monthly installments of CHF 859.50 to CHF 885.20. The interest rate depends on the customer's creditworthiness.