NEW - FROM 4.7% EFFECTIVE INTEREST RATE*

Solution to everyday problems

Apply for consumer credit

CHF 3 000
6 months

More security! Protect yourself against credit default risks now. Find out more.

Your monthly rate *

From
179.10

Including insurance: 10.10

To
181.55

Including insurance: 10.25

All figures in CHF

* The interest rate that applies to you depends on your creditworthiness as a borrower. We determine this together with the effective interest costs based on your detailed information in the loan application. After the creditworthiness check has been carried out, we will inform you of our loan offer by email.

Consumer credit: a good idea and fast.

Consumer credit is your solution to everyday problems. TV stopped working? Need a new washing machine? Or another expensive purchase coming up?

We’ll help you sort it. Consumer credit is the most frequently used form of personal credit – an instalment loan that’s not tied to any purpose. So you can use the money for anything. Consumer credit is also called:

  • Consumer loan
  • Personal loan
  • All-purpose loan
  • Instalment loan

Credit from bob Finance is often the cheapest alternative to other forms of finance. And gives you many other benefits compared with a traditional loan.

Right four times: consumer credit is the one for you.

  • Choose the amount you want.

    Credit available from CHF 3,000 to CHF 80,000.

  • Flexible repayment terms

    Pay back the credit at any time.

  • Choose your own term

    Choose any term from six to 120 months.

  • Simple and online

    Apply for credit securely and quickly at any time.

Enjoy these benefits too

There are even more good reasons to apply for credit from bob Finance:

  • Apply for credit conveniently – online. 24 hours a day, 365 days a year.
  • Apply for credit without the hassle of paperwork. Thanks to video identification and e-signatures.
  • Apply for credit securely. Our security is always up to date, thanks to SSL certi-fication. And the strictest data protection.
  • Direct contact with our staff. You can contact us personally during our opening hours.

Consumer credit gives you budget flexibility when your cash runs out. That’s when you need things to happen quickly. Like when your washing machine breaks and you need a new one. At bob Finance, we understand – and do everything we can to pro-cess your credit application quickly. And to pay out the money when the 14-day statu-tory deadline has expired.

Questions and answers

A consumer credit (also called a personal loan) is a loan to private individuals to finance consumer goods or services. Unlike a mortgage, it is not secured by real estate. At bob Finance, the loan is not tied to a specific purpose: you decide freely how to use it.

At bob Finance you can apply for a consumer credit between CHF 3,000 and CHF 80,000. The term is between 6 and 120 months. The effective annual interest rate depends on creditworthiness and is between 4.7% and 9.9%.

All consumer credits at bob Finance are subject to the Federal Act on Consumer Credit (KKG). It prescribes a creditworthiness assessment, a maximum interest rate cap, and a 14-day right of withdrawal. bob Finance fully complies with these guidelines.

Yes. Early repayment is possible at any time; a final settlement fee may apply. A top-up is possible provided that creditworthiness and credit capacity allow it after a renewed assessment.

A consumer credit can be applied for by persons who are between 18 and 64 years old, have a permanent place of residence in Switzerland, and have a regular income from an employment relationship that has not been terminated. bob Finance only approves loans that sustainably fit within the budget.