BANK-now: Advantages, reviews & experiences with our partner

Are you interested in a loan from BANK-now? Then you’ve come to the right place. BANK-now is a long-standing partner of ours with whom we work together successfully and in a spirit of trust. So: Benefit from our wealth of experience and let us introduce you to BANK-now.

Overview of BANK-now and its loan offers

The history and development of BANK-now

Logo BANK-now
Source: Wikipedia

BANK-now, a renowned institution in the Swiss financial landscape based in Horgen, has developed over the years into a leading provider of personal loans provider. Its history is characterized by innovation and customer orientation. Here is a brief overview of the milestones:

  • Foundation: BANK-now is a subsidiary of Credit Suisse and was founded in 2006 when the former City Bank AG was integrated into the “Personal Loans” division of Credit Suisse. In the meantime, BANK-now has developed into an independent and specialized credit institution.
  • Expansion and growth: Over the years, BANK-now has expanded its services and built up a broad portfolio of credit options to meet the diverse needs of the Swiss population. Today, BANK-now is a company with over 300 employees in more than 20 local branches.
  • Innovation in the digital age: With the advent of digitalization, BANK-now continued to adapt its offering to provide customers with even more efficient and convenient credit management. This has enabled BANK-now to successfully assert itself on the market and develop further.

The extensive loan portfolio of BANK-now

BANK-now is characterized by a diverse range of loans that offers tailor-made solutions for individual needs. Here are the main features:

  • Diversity of credit options: From classic personal loans to specialized financing solutions and flexible credit lines – BANK-now offers the right solution for almost every situation and every financing need.
  • Customer-centered credit terms: At BANK-now, the focus is on customers and their needs. This means flexible terms, transparent interest rates and customized repayment plans.
  • Transparent and fair interest rate policy: In accordance with Swiss law, BANK-now’s interest rates are all-inclusive, with no hidden fees or additional costs.

The CREDIT-now personal loan in detail

Features of the CREDIT-now personal loan

CREDIT-now a special product from BANK-now is very popular with Swiss borrowers due to its customized features and user-friendly design. Here are some key aspects that set CREDIT-now apart:

  • Individual loan amounts and terms: CREDIT-now offers flexible loan amounts and term adjustments to best suit your financial needs and capabilities.
  • Quick and easy application process: The application process for a CREDIT-now loan is digitized and efficiently designed so that you can get your desired loan quickly and easily.
  • Early repayment without additional costs: In accordance with Swiss regulations, CREDIT-now allows early repayment of the loan without additional fees.

Interest and interest rates at CREDIT-now

One of the most important considerations when choosing a loan is the interest rate. CREDIT-now is characterized by clear and fair interest rates that cover all the costs of the loan. Here are a few points on the interest rate structure:

  • Transparent interest rates: CREDIT-now’s interest rates are transparent and include all fees, giving you a clear idea of the total cost of your loan.
  • Interest rates adapted to your profile: Interest rates vary depending on the loan amount, term and your personal financial situation, which ensures fair and individual pricing.
  • No hidden fees: In line with Swiss guidelines, CREDIT-now has no additional fees or charges over and above the agreed interest rate – as is the case with all reputable Swiss lenders such as Migros Bank also

Required and helpful documents for the loan application

List of required documents

Certain documents are essential for a smooth credit application process at BANK-now. Here is a list of the required documents that you should have ready:

  1. Personal identification documents: Valid identity document (ID or passport) and, if applicable, residence permit.
  2. Proof of income: Current payslips for the last few months, pension statements or other proof of income.
  3. Household budget: A list of your monthly income and expenditure.
  4. Further financial evidence: documents on existing loans or obligations, if available.

Additional documents that support the loan application

Although not mandatory, additional documents can speed up the application process and improve your chances of loan approval:

  • Bank statements: Demonstrate your financial stability and responsible money management.
  • Employment contract: This can serve as proof of job security, especially for new jobs. Proof of further training also does no harm to show the bank that you are a sought-after employee.
  • References from previous loans: If available, positive references can emphasize your creditworthiness.

Online loan application and management

In today’s digital world, BANK-now makes the loan application and administration process simpler and more user-friendly through online solutions. Here are the highlights:

  • Simple online application: You can start your loan application directly on the BANK-now website with just a few clicks.
  • Transparent process management: Every step of the application process is clearly presented so that you always have an overview.
  • Digital document management: Upload your documents conveniently online and manage your loan application from home at any time.

The BANK-now loan calculator: How to plan your loan

How the loan calculator works

The loan calculator from BANK-now is an essential tool for anyone planning to take out a loan. It allows you to run through various financing scenarios and find the best conditions for your financial situation. Here is a guide to using the loan calculator:

  1. Enter the desired loan amount: Start by entering the amount you wish to borrow.
  2. Select the term: Decide over what period you would like to repay the loan.
  3. Calculation of the monthly installment: The calculator immediately shows you the monthly repayment installment based on the loan amount and the term.
  4. Customize as needed: Experiment with different amounts and terms to find the ideal monthly rate for your budget.

Tips for effective use of the loan calculator

To get the most out of the loan calculator, follow these tips:

  • Realistic entries: Enter realistic figures that accurately reflect your financial situation.
  • Comparison of different scenarios: Use the calculator to compare different loan amounts and terms to find the best solution for your needs.
  • Consideration of your budget: Make sure that the monthly installments fit your monthly budget and are not a financial burden.

Experience with BANK-now: customer ratings and reviews

Positive testimonials and benefits

BANK-now has built up a loyal clientele through customer-friendly services and attractive credit terms. Here are some of the benefits frequently mentioned in customer reviews:

  • Customer-oriented service: Many customers praise the personal and competent advice they have received from BANK-now.
  • Flexible credit solutions: The adaptability of loans to individual needs is particularly appreciated.
  • Transparent and fair conditions: Customers emphasize that the interest rates and contract terms are clear and understandable.

Critical voices and possible disadvantages

Although most of the reviews are positive, there are also some critical voices that point out important aspects for improvement:

  • Room for improvement in the digital platform: Some customers express a desire for a more user-friendly online interface.
  • Waiting times for loan approval: Some customers report longer waiting times for loan approval.
  • Need for information on special credit options: Some customers would like more detailed information on special credit offers.

FAQ: Answers to frequently asked questions about BANK-now

Who is behind CREDIT-now?

CREDIT-now is the credit brand of BANK-now. Today, BANK-now AG is a wholly owned subsidiary of the Credit Suisse Group. It was created in 2006 through the merger of the two business areas Private Credit and Leasing of Credit Suisse and City Bank AG.

Who owns Credit Suisse?

Credit Suisse shares are in free float, but the largest shareholders are:

  • Blackrock (approx. 3%)
  • Saudi National Bank (approx. 10%)
  • Qatar Holding LLC (approx. 5%)
  • Olayan Group (approx. 5%)

Summary and conclusions

Why a loan from BANK-now is a good choice

BANK-now offers a number of compelling benefits that make it an excellent choice for your lending needs in Switzerland. Here is a summary of the most important reasons:

  • Customer-centered credit solutions: BANK-now adapts its loan offers individually to your needs and financial possibilities.
  • Transparent and fair conditions: With clear, all-inclusive interest rates and no hidden fees, BANK-now stands for a transparent pricing policy.
  • Efficiency and convenience: Thanks to the simple online application process and digital management options, you can manage your loan quickly and conveniently from home.

Final recommendations for borrowers

If you are considering a loan, it is important to be well informed and make an informed decision. BANK-now is an excellent choice, but keep the following points in mind:

  • Think carefully about your financial situation: make sure that you can afford the loan and that the monthly repayments fit your budget.
  • Use the available tools: BANK-now’s loan calculator can help you find the optimal loan structure for your needs.
  • Read customer reviews and experiences: Use the experiences of other customers to get a comprehensive picture of BANK-now and its services.

Even though BANK-now is generally recommendable, we advise you to look at various options in detail before deciding on a loan provider in order to find the best match for your specific needs and the most favorable conditions (interest rates). Our aim at is to help you with our comparison service so that you can make a decision that is ideally suited to your individual requirements. You can use our online loan comparison for Switzerland free of charge. We are always available for questions or further information. Please do not hesitate to contact us via or use our web form for inquiries.