Procedure

1. Clarify requirement

2. Exclude criteria:

  • CHF 3,000 net.
  • Seizures.
  • Recipients of supplementary payments.
  • Social assistance recipients.
  • Permit L 
  • Permit B if < one year (EU).
  • Permit B if < three years (non-EU states).
  • Debt enforcement > one in the last three years.

3. Fill out the credit application in conjunction with the client.

4. Inform clients that BANK-now Ltd. now calls with the 058/900 number.

Conditions

  • Age: 20 to 70 years (up to termination of contract).
  • Residence in Switzerland and cross-border commuters.
  • Regular income (CHF 3,000 net).
  • Permanent employment contract (not unemployed).
  • Temporary employee *AHV pension/disability pension/pension fund benefits for longer than one year with the same temporary company.
  • Self-employed (self-employed for longer than two years)

Selling points

  • Predictable: Fixed installment payments for capital and interest during the term.
  • Individual: Tailored to personal budget.
  • Secure: Payment protection in the event of death included.
  • Tax benefits: Interest is deductible from taxable income.
  • Practical: Loans/credit cards from other credit institutions can be repaid conveniently and free of charge.
  • Quick: Credit decision within 24 hours.
  • Flexible: Credit amount can be paid back at any time, and for free within the first ten days.
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