PostFinance review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

PostFinance suits Swiss residents with a permanent contract and a Swiss bank account who want a personal loan at 3.95% to 8.9% and can clear the credit bar it sets. The rate is the pull, since only a small share of lenders ask for excellent credit, while hard means a declined application hits your file.

Key facts

Best for
Swiss salaried borrowers with excellent credit who want low rates on a personal loan.
APR
3.95% to 8.9% (Source, checked September 26, 2026)
Loan amount
CHF 1,000 to CHF 80,000 (Source, checked September 26, 2026)
Term
6 to 84 months (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
2-3 working days after the 14-day revocation period (Source, checked September 26, 2026)
Representative example
CHF 20,000 over 36 months: monthly repayments CHF 589.40 at 3.95% to CHF 631.90 at 8.90% (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
18-64 years old, permanent employment contract, good creditworthiness, resident in Switzerland (Swiss citizen or B/C permit), Swiss bank account (Source, checked September 26, 2026)
Loan types
Debt-consolidation, Personal (Source, checked September 26, 2026)
Credit needed
Excellent (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
PostFinance AG (Source, checked September 26, 2026)
Headquarters
Switzerland (Source, checked September 26, 2026)
Founded
1900 (Source, checked September 26, 2026)
Support channels
Chat, Help-centre, Phone (Source, checked September 26, 2026)
Official website
postfinance.ch

Mortgages

Initial rate
1.55% (Source, checked September 26, 2026)
Fixed period
2 years (Source, checked September 26, 2026)
Maximum loan to value
80% (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Legal entity
PostFinance AG (Source, checked September 26, 2026)
Headquarters
Switzerland (Source, checked September 26, 2026)
Founded
1900 (Source, checked September 26, 2026)
Support channels
Chat, Help-centre, Phone (Source, checked September 26, 2026)

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
LinkedInXkununu.comfacebook.com

Pros and cons

Pros

  • APR of 3.95% to 8.9% sits well below the site median of 12%
  • Free early repayment, so overpayments cost nothing
  • Loans of CHF 1,000 to CHF 80,000 cover a wide range, over terms of 6 to 84
  • Covers personal loans, debt consolidation and home improvement

Cons

  • Credit check is hard
  • Funding takes 2-3 working days after the 14-day revocation period
  • Lending runs through a broker
PostFinance

Ready to try PostFinance?

Scored 9.2 / 10 by BorrowCue.

See alternatives

Who it suits

  • Adults with a permanent employment contract and excellent credit
  • Swiss residents with a Swiss bank account
  • Borrowers consolidating debts or funding home improvement

Who should look elsewhere

  • Anyone without a Swiss bank account or a Swiss citizen or B/C permit
  • Self-employed applicants, since eligibility requires a permanent employment contract
  • Readers who need a soft prequalification check before applying

How your money is protected

PostFinance is supervised by the Swiss Financial Market Supervisory Authority (FINMA) in Switzerland, and the lending is arranged as a broker. Its representative example shows a monthly cost that moves with the rate you are offered: borrowing over a shorter term leaves monthly repayments at the low end of the range, and the top of the range shows what the same loan costs at the highest rate quoted.

The company behind it

The lender is PostFinance AG, based in Switzerland and founded in 1900, so the name on the paperwork is a long established Swiss entity rather than a new lender. Support runs on chat, help centre and phone, which covers phone and chat for anyone who needs to talk a query through before applying.

How PostFinance compares

Where PostFinance is available

Available
Switzerland
Licence in Switzerland
Swiss Financial Market Supervisory Authority (FINMA), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate will I pay on a PostFinance personal loan?+

The advertised range is 3.95% to 8.9%, which sits under the site median of 12%. What you are offered depends on your own circumstances, so treat the range as the outer limit rather than a promise.

How much can I borrow and over what term?+

Loans run from CHF 1,000 to CHF 80,000, with terms of 6 to 84. The same product is used for personal loans, debt consolidation and home improvement, so the amount and term you need can sit in one application.

How long does the money take to arrive?+

Funding happens 2-3 working days after the 14-day revocation period. The revocation period sits in front of the payout, so this is not a same day product and not a way to cover an urgent bill.

Does applying hurt my credit file?+

The check is hard, and the credit bar is excellent. A hard check leaves a mark whether or not you are accepted, so think it through before applying.

Can I repay the loan early without a charge?+

Yes, early repayment is free. Most of the brands on the comparison do charge for it, so the flexibility is worth weighing if your income might change.

Who is regulated, and where is PostFinance based?+

The Swiss Financial Market Supervisory Authority (FINMA) supervises the brand in Switzerland, and the legal entity is PostFinance AG. The brand operates as a broker, so the rate comes from a lending partner.

Who can apply?+

Applicants need a permanent employment contract, a Swiss bank account, and to be a resident in Switzerland with a Swiss citizen or B/C permit. Creditworthiness must be excellent, so self-employed applicants are not a fit.

What does a loan cost month to month?+

The representative example borrows a set sum over a set term, and monthly repayments differ at the bottom and top of the rate range. At the low end of 3.95% to 8.9% the repayment is noticeably smaller than at the top, which is where term and rate both bite.

Sources

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Arrangement fee.

PostFinance

PostFinance

Swiss salaried borrowers with excellent credit who want low rates on a personal loan.

9.2/10See alternatives

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