Top up your PostFinance personal loan

Increase your personal loan easily

Do you need more financial flexibility? We make it easy for you. With us, you can simply increase your existing loan. This gives you more opportunities to make your plans a reality.

The advantages for you when topping up

Credit increases of CHF 3,000 to CHF 80,000
Simply apply digitally – all you need is your last three payslips
Fair and transparent conditions, interest from 3.95% to 8.90%
Early repayment and special repayment possible
Option of cover in the event of involuntary unemployment

Here’s how it works

Preconditions

Private individual between 18 and 64 years old
Permanent employment contract
Good creditworthiness
E-mail address and Swiss phone number
Resident in Switzerland
Swiss bank account

Three easy steps

Apply for an increase online: enter the desired increase amount and upload your last three payslips.
Your request for an increase will be checked quickly. You will generally receive a decision directly by e-mail within a few working days.
Receipt of loan amount: if you accept the loan offer, our cooperation partner bob Finance will transfer the loan amount to you after the expiry of the 14-day statutory revocation period.

Questions and answers

Your contractual partner and lender for the top-up of a PostFinance personal loan is bob Finance. bob Finance is part of Valora Schweiz AG and has been operating successfully in the lending business as a financial service provider since 2016.

Credit increases are possible from a minimum of CHF 3,000 up to a maximum of CHF 80,000. When increasing your loan, your financial situation will be reassessed. PostFinance and cooperation partner bob Finance place great emphasis on responsible lending and the protection of customers and rigorously comply with the legal provisions. bob Finance does not issue loans which may result in overindebtedness (Art. 3 UCA).

The remaining amount from the existing loan is combined with the increased loan amount. The previous loan agreement will be replaced with a new agreement covering the total amount. The monthly loan repayment is recalculated on the basis of the total loan amount.

The digital application will ask you to upload your last three payslips. Changes to your financial situation must also be declared.

To increase your chances of obtaining an application approval, you can add your spouse to the application. In this case, you must also upload your spouse’s payslips.

You can specify the desired loan amount and term during the application process. Increasing the loan amount can increase your monthly instalment.

When increasing your loan, your financial situation will be reassessed. Particular attention is paid to how this has changed in the meantime (marriage/divorce, unemployment/short-time working, change in working hours, purchase of property, birth of a child, taking out a new loan or lease, etc.).

The loan will be paid out after expiry of the statutory revocation period of 14 days. Two to three working days later, the requested loan amount will be available in your bank account.

Credit increases are possible from a minimum of CHF 3,000.

Topping up a loan means increasing an existing loan. Loan replacement or repayment means either transferring an existing loan to another financial institution or repaying it in full.

Cooperation partner

PostFinance offers the PostFinance personal loan in cooperation with bob Finance. The lender is bob Finance. bob Finance is a branch of Valora Schweiz AG, which is based in Zurich.