Do you have several loans or high levels of credit card debt with different providers? We’ll repay your existing commitments – for costly credit cards or ongoing loans, for example – and combine them all into a single manageable loan with attractive terms. giving you financial oversight and reducing your monthly charges.
Is loan refinancing worthwhile?
Calculate your loan refinancing
Requirements for refinancing your loan
Additional benefits
Paying out and repaying your loan
Flex service
You can apply to increase your loan amount or adjust the term of your loan at any time. If you pass the repeat solvency check, your existing credit agreement will be replaced with a new one.
Payment deferral*
You can defer your monthly loan payments on two separate occasions free of charge.
*Please note that our online special offers do not include a repayment holiday.
Refinancing service
We can arrange the repayment of your existing loans and costly credit card commitments with other providers and combine them into a single loan.
Right of withdrawal
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.
Credit potential service
We work with you to determine how much additional money you could get from us. We will review the possibility of an increase at your request and replace your existing loan agreement with a new once if you pass a repeat solvency check.
Financial check
We make sure that your monthly loan instalments fit your budget. Our certified team of experts will provide you with personalised advice free of charge in one of our 16 branches or over the telephone. Alternatively, you can work out your potential credit limit easily online with our credit limit calculator.
Top-quality advice
We are there for you – before, during and after taking out your loan, over the telephone or face-to-face in one of our local branches across Switzerland.
Our crystal clear promise
Our 80 experts are on hand to provide you with clear and accessible advice in more than 15 languages.
Payment protection
Your instalments can be insured for a fee and will be covered in the event of involuntary unemployment or incapacity to work.
Plan ahead
Use our loan refinancing calculator to work out the amount required to refinance your existing personal loan or credit card. You can adjust the term and monthly instalments to suit you.
This gives you a quick overview of your loan refinancing options and potential savings.
Get everything ready
Submit your loan refinancing application online. To do this, we need to see the following documents:
Once we have reviewed your application, you will receive a response within one working day. If you accept our offer, please return the signed agreement to us by post.
Start turning your plans into reality
Your loan will be paid directly into your account after the Start turning your plans into reality today.
If you reconsider your decision, BANK-now’s right of withdrawal gives you the right to repay the money free of charge within 10 days of payment, even if the statutory waiting period has already elapsed.
Your days of worrying about unexpected events are over – with our credit insurance, you’ll always be on the safe side. Protect your loan and maintain your financial independence.
It is possible to repay a loan through BANK-now. We take care of redeeming your outstanding loans and credit card commitments with other providers and combine them into a single loan.
Use our online application here or submit the contact form to arrange a personal consultation.
As a loan provider, we have a great responsibility toward you and society. We rise to this responsibility by valuing personal consultations, so that we can address your needs and options and resolve any uncertainties. We take our time to answer your questions and explain possible risks in advance. The thorough credit or solvency check we carry out when you apply (within the scope of the Swiss Consumer Credit Act, CCA) ensures that you can afford the loan. It is therefore entirely in your interest for the credit approval process to be handled with care.
(Information leaflet from the KFS [Swiss Consumer Finance Association] on responsible lending and possible risks in the event of misfortune for the borrower)
The review of the application and the response are generally carried out within 24 hours, provided all necessary documents (copy of ID, salary statements, etc.) have been submitted. In the event of a positive decision, this will be followed by the delivery of the offer and agreement forms via mail or email. The loan is paid out as soon as you return the signed loan agreement to us and after the statutory waiting period of 14 days. We will transfer the desired loan amount directly into your account.
