You ask, we answer.

Frequently Asked Questions (FAQ)

You only want to see certain FAQ's? Filter the questions by the following categories:

QR payment slip

You can order additional QR bills from us by e-mail or telephone. Alternatively, we recommend setting up a standing order with an expiry date (date of the last instalment) with your bank. This will automate your monthly payments and you will know that you are paying your instalments on time.

From 1 October 2022, payments with the red and orange payment slips will no longer be possible in Switzerland. By this date at the latest, you must have converted your standing orders and payments to the QR bill.

You will receive your new, personalized QR invoice by e-mail. If you have set up a standing order, you can either change it yourself in Internet Banking or at the counter of your bank.

Further Information.

The QR-Invoice modernizes the Swiss payment traffic. It will replace today's payment slips on 1 October 2022. The QR invoice consists of a payment section and a receipt. The Swiss QR Code contains all the relevant information required for automatic and therefore efficient payment and posting.

General

To qualify for a loan, you must be between 18 and 64 years old, have a permanent employment contract and be a Swiss resident.

  • Private person between 18 and 64 years
  • Fixed employment contract
  • Private e-mail address and mobile number
  • Swiss residence
  • Swiss bank account

No, with bob you do not have to transfer anything if you do not want to. However, depending on the conditions, a transfer may be useful and save you costs.

Yes, you only need to tell us the previous bank and the remaining balance, we will do the rest for you.

No, unfortunately bob does not grant loans to persons with open debt collection or distraint.

The data will not be forwarded. However, bob Finance can contact the employer if there are any uncertainties regarding the payment slip.

No, of course not. Your request will be handled with full discretion. This also includes the obligation to register according to the KKG.

Yes, bob only grants loans to people who are Swiss citizens or have a B or C residence permit.

In order for you to apply for a credit at bob credit, we need your personal details and information about your income and expenses.

Before the loan application

No, the bob credit will be transferred directly to your private account.

There may be good reasons for changing a lender. In most cases, lower interest rates and a lower monthly charge are decisive. In addition, you should also check whether several current loans or credit card bills can be bundled together so that you only have one contact person and have to control one account movement.

Yes, that is possible. You can request a maximum of three bob credit credits.

In order to redeem a consumer loan, you inform us in the credit application about the change of address. Please send us the current credit balance at the third-party bank by means of a current account statement or final statement. As soon as the signed contract is returned, the statutory waiting period of 14 days begins. There is no expense for you.

The interest rate ranges from 4.9% to a maximum of 9.9% - this is our annual percentage rate. The effective interest rate is calculated on the basis of creditworthiness and is communicated to the borrower after the application review.

The term can be from 6 to a maximum of 120 months.

Wir bieten Ihnen Kreditbeträge ab CHF 1'000.00 bis maximal CHF 80.000.

During the credit application

On form A you confirm in writing that the financial means with which the loan is repaid are yours.

The mobile transaction number is sent by SMS and is used to access MyCockpit, where all credit data can be retrieved. This protects the personal MyCockpit from unauthorized access.

This data is required for the complete verification of the credit application and is only used for this purpose. Bob hereby ensures that loans are only granted according to valid regulations and do not lead to over-indebtedness (Art. 3 UWG).

We set up a personalized budget, taking into account each living and housing situation individually. Therefore it is important for example that we know whether someone lives alone or in a shared apartment. Why is that? Because in a shared apartment the rental costs are shared, but whoever lives alone must also pay the rental costs.

We set up a personalized budget, taking into account each living and housing situation individually. Therefore it is important for example to know if someone lives alone or in a shared apartment. Why is that? Because in a shared apartment the rental costs are shared, but whoever lives alone must also pay the rental costs.

The expenses are the fixed costs you have each month. This includes for example: alimony, costs for further education, day care center etc.

We set up a personalized budget, taking into account each living and housing situation individually. Therefore, the expenditure for bob is an important criterion to calculate your effective credit amount.

The more income you have, the higher your budget and thus the possible credit amount. This includes for example income from real estate, bonus payments etc...

Yes, you can indicate your desired bank account when you apply for a loan. The credit will be transferred to this account in your name.

We set up a personalized budget, taking into account each living and housing situation individually. Therefore the income is an important criterion for bob to calculate your effective loan amount.

No. You do not need to inform anyone about why you are applying for a loan.

Existing credit

Of course you can. However, some points must be taken into account:

  • Your monthly budget allows for a credit increase
  • Your current personal loan is less than 80,000 Swiss francs
  • You have paid your instalments on time in the past

You can find more information here.

Sie können bei der Anmeldung in customer portal / MyCockpit Ihr Passwort erneuern.

The customer portal / MyCockpit from bob Finance is a secure online area that contains all documents and transactions related to your bob credit / PostFinance private loans. You can access it with your user name, a password and an mTAN.

After the credit application

Yes, you can change your bank without complications. This has no influence on the credit.

The additional costs for reminders can be seen in the fee overview.

Yes, of course you can. Please call us directly on 044 244 25 00 (Mon-Fri, 8-18 hrs).

Together with you we will look for a fair solution. For this purpose we are available for you under the number 044 244 25 00 (Mo-Fr, 8-18 o'clock).

We will transfer the desired credit to you at the earliest, after credit approval, taking into account the legal withdrawal period of 14 working days, 14 days after you have received and accepted our offer.

Credit can only be granted if you meet both legal requirements and specific selection criteria of bob credit. Since every credit application is checked by our systems and employees, we are able to provide information in individual cases as to why an application was rejected. In any case, granting credit is prohibited if it leads to over-indebtedness (Art. 3 UWG).

The withdrawal period is a period of time during which a borrower can withdraw from a credit agreement. It enables the borrower to revoke an already concluded loan agreement in writing within the first 14 days.

Once you have submitted your application on the bob website, you will find out which documents you still need to send us in order to complete the credit check. After receiving and checking the documents, we will usually contact you the following business day.

Payment protection insurance

The insurer is AXA Versicherungen AG, General-Guisan-Strasse 40, 8400 Winterthur.

You can find detailed information on insurance coverage in the AVB.

Here you find the AVB.

With payment protection insurance, you protect yourself against involuntary unemployment, incapacity for work and disability.

Do you have further questions?

We are always there for you

Your direct contact to us from Monday to Friday | 8:00 AM - 6:00 PM