Bank-now
Bank-now is banking sector.
- Company typePrivate
- Founded2006
- HeadquartersHorgen, Switzerland
- Headcount101–250
- GTM typeB2C
- OfferingServices
What Bank-now does
Bank-now indulge in credit and leasing: Credit, Credit, Loans, Credit, Leasing, Leasing Calculator, Car Leasing, Car Financing, Motorcycle Leasing, Online Credit, Rate Credit, Vehicle Financing.
Bank-now firmographics
Firmographics- Name
- Bank-now
- Legal name
- Rechtssitz der Gesellschaft
- Website
- http://www.bank-now.ch
- Company type
- Private
- Founded year
- 2006
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Bank-now is banking sector.
- Ownership category
- akta.pro rank
Bank-now industry classification
Industry- Product category
- Consumer Lending
- NAICS
- Credit Intermediation and Related Activities (522), Sales Financing (522220)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)
- akta.pro secondary industry
- Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB)
Keywords
Where Bank-now is headquartered
LocationHeadquarters
- HQ city
- Horgen
- HQ country
- Switzerland
- HQ region
- Europe
Offices16 records
Markets served
Bank-now business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others
Revenue model
- Personal Loans: BANK-now provides personal loans with effective annual interest rates ranging from 6.9% to 9.9% (4.9% to 7.9% for homeowners). Loan amounts range from CHF 5,000 to 250,000 with terms of 6 to 84 months. Revenue is generated through interest payments over the loan term.
- Vehicle Leasing: LEASE-now provides vehicle financing with nominal annual interest rates of 4.5% to 5.9%. Financing amounts range from CHF 7,000 to 250,000 for terms of 6 months to 5 years. Revenue is generated through monthly lease installments.
- Credit Protection Insurance: Optional payment protection insurance covering loan repayments in event of involuntary unemployment, incapacity to work, disability, or death. Provided through Helvetia Versicherungen collective insurance scheme. Death coverage is included free of charge with all financing solutions.
- Lease Payment Insurance: Optional insurance protecting monthly lease installments against death, involuntary unemployment, or incapacity to work. Offered as collective policy through Helvetia Versicherungen, integrated directly into lease agreements.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Personal Loan - Standard (Non-homeowners) |
| Subscription | Monthly | Personal Loan - Homeowner Special Rate |
| Subscription | Monthly | Vehicle Leasing (LEASE-now) |
| Subscription | Monthly | Credit Protection Insurance |
| Subscription | Monthly | Lease Payment Insurance |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels5 records
Bank-now product offering
Product offeringCore offering
Bank-now is a Swiss consumer finance bank that provides personal loans (CREDIT-now) ranging from CHF 5,000 to CHF 250,000 with terms of 6 to 84 months, and vehicle leasing (LEASE-now) for cars, motorbikes, and campervans with financing from CHF 7,000 to CHF 250,000 for terms up to 5 years. The company distributes these products through online channels, 15 physical branches across Switzerland, and a partner dealer network using the proprietary ePOS-now platform, supported by multilingual advisor service in over 15 languages.
Product overview
BANK-now is a Swiss consumer finance bank and loan/leasing specialist offering a portfolio of credit, leasing, and insurance products. The core offering consists of CREDIT-now personal loans (including a specialized Homeowner Loan variant) and LEASE-now vehicle leasing, both accessible online and through 15 branches across Switzerland. Complementary add-on services include credit and lease payment insurance (offered via Helvetia Versicherungen), a Quick Financial Check calculator, loan increase, and loan refinancing/consolidation services. An internal ePOS-now platform supports leasing dealer partners. All products operate under Swiss Consumer Credit Act (CCA) regulations with responsible lending principles.
Differentiator
Problem solved
Functional benefit
Products and services
- CREDIT-now Personal Loan Personal loan product for Swiss residents offering credit from CHF 5,000 to CHF 250,000 with terms of 6 to 84 months and effective annual interest rates of 6.9%-9.9% (or 4.9%-7.9% for homeowners). Includes free features such as flex service, payment deferral, refinancing service, right of withdrawal, and credit potential service.
- LEASE-now Vehicle Leasing Vehicle leasing for cars, motorbikes, and campervans with financing amounts from CHF 7,000 to CHF 250,000, terms of 6 months to 5 years, and nominal annual interest rates of 4.5%-5.9%. Down payment of up to 50% of purchase price is possible. Available to retail consumers through direct application or via car dealer partners.
- Credit Protection Insurance (Loan Insurance) Optional residual debt insurance covering loan repayments in the event of death (included free of charge), involuntary unemployment, and incapacity to work. Monthly repayments covered up to CHF 2,000 per repayment, max 12 repayments per claim, max 24 repayments over policy term. Offered through Helvetia Versicherungen collective insurance scheme.
- Lease Payment Insurance Insurance protecting monthly leasing installments against death, involuntary unemployment, or disability. Residual value and outstanding lease installments are covered up to CHF 100,000 per lease agreement. Concluded via BANK-now and integrated directly into lease agreements through Helvetia Versicherungen collective policy.
- Homeowner Loan Specialized personal loan for Swiss homeowners offering discounted effective annual interest rates starting from 4.9%, with loan amounts from CHF 5,000 to CHF 250,000 and terms of 6 to 84 months. Requires land register entry (obtained by BANK-now at no cost to the customer) showing property ownership for at least 6 months. No mortgage increase, notary, or property valuation costs required.
Quantifiable outcome
- Credit decisions within 1 working day
- +3 more outcomes
Companies that use Bank-now
Customer profileSegments4 records
Ideal customer profiles4 records
Bank-now technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Bank-now partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and minor.
- Helvetia VersicherungencoreBANK-now offers credit protection insurance as part of a collective insurance scheme with Helvetia Versicherungen. The insurance covers loan repayments in the event of death (included free), involuntary unemployment, and incapacity to work. Helvetia provides the insurance products while BANK-now integrates them into loan offerings.
- Helvetia VersicherungencoreLeasing installment protection is offered as a collective policy with Helvetia Versicherungen. The insurance covers outstanding lease installments in the event of death, residual value coverage, and payments during involuntary unemployment or incapacity to work. Coverage up to CHF 100,000 per lease agreement.
- Car Dealerships and GaragescoreAutomobile dealerships and garages serve as sales partners for vehicle leasing. Partners use the ePOS-now digital platform to submit lease applications, receive automated approvals, and print agreements on-site. The partnership enables customers to complete financing during vehicle purchase at the dealership.
- ZEK (Zentralstelle für Kreditinformation)coreZEK is the information center for the loan and leasing business in Switzerland. BANK-now participates as a member, using the ZEK database for creditworthiness checks and reporting. The database stores borrower information, credit applications, and credit agreements.
- esisuisseminorBANK-now is obligated to sign the self-regulation agreement with esisuisse, Switzerland's deposit guarantee scheme. This ensures customer deposits are protected up to CHF 100,000 per customer in case of bank bankruptcy.
Scale indicators4 records
Recent moves1 record
Expansion highlights5 records
Bank-now competitors and assessment
Company assessmentMarket position
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Bank-now social profiles
Digital presenceBank-now financial estimates
Financial estimateRevenue estimate
Valuation estimate
Bank-now leadership team
Management profileNumber of profiles
Profiles14 records
Bank-now funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Bank-now M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Bank-now
What does Bank-now do?
Bank-now is a Swiss consumer finance bank that provides personal loans (CREDIT-now) ranging from CHF 5,000 to CHF 250,000 with terms of 6 to 84 months, and vehicle leasing (LEASE-now) for cars, motorbikes, and campervans with financing from CHF 7,000 to CHF 250,000 for terms up to 5 years. The company distributes these products through online channels, 15 physical branches across Switzerland, and a partner dealer network using the proprietary ePOS-now platform, supported by multilingual advisor service in over 15 languages.
Is Bank-now a public or private company?
Bank-now is a private company. It is classified as unknown and is currently operating.
When was Bank-now founded?
Bank-now was founded in 2006. It employs 101 to 250 people.
Where is Bank-now based?
Bank-now is headquartered in Horgen, Switzerland, in the Europe region.
How does Bank-now make money?
Four revenue lines are on record. Personal Loans are the primary driver. The others are vehicle Leasing, credit Protection Insurance and lease Payment Insurance.
Does Bank-now have an API?
No public API is recorded for Bank-now.
What industry is Bank-now in?
Bank-now's product category is Consumer Lending. Its primary akta.pro industry code is FSAKAAAL, Bank & Credit Union Personal Loans (Unsecured Installment), with a secondary code of FSABAAAB, Retail Lending (Personal Loans, Auto, Credit Lines). Its NAICS code is 522 and its SIC code is 6141.