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Personal loans

Do you need money for a new car or laptop, or to invest in a professional training course? At BCV, we've teamed up with Cembra to offer personal loans for just about any major purchase.


  • Simple application process with a fast answer.
  • Your loan will be written off in the event of death.
  • Optional disability or income-replacement coverage.


Through Cembra, we offer personal loans of anywhere from CHF 3,000 to CHF 250,000 for terms ranging from six to eighty-four months. The maximum amount you can borrow will depend on your repayment capacity and personal circumstances, such as whether you are single, married, divorced, widowed, self-employed, or have children.

You can purchase optional disability coverage to take care of your loan payments if you become unemployed or unable to work due to an accident or serious illness.

In the event of death before your loan is fully repaid, Cembra will write off the remaining debt.

The amount of your monthly loan payments will remain the same throughout the term of the loan. The amount will consist of principal and interest payments, as well as fees and loan protection insurance. You can pay your loan off early at any time.

The lender is Zurich-based Cembra Money Bank SA*.

Loan conditions


Criteria for obtaining a loan

Minimum age

18 years

Residence of person contracting the loan


Nationality or permit

Swiss citizen or holder of a B or C permit


Steady income from a valid permanent employment

Interest rate

Between 7.95% and 11.95%

Loan term

Anywhere from 12 to 84 months


Apply for a loan


*Cembra and BCV entered into an agreement that sets out the fees to be paid to BCV for its distribution activities and other services it provides. These fees are used to fund the promotion and distribution of the loan, including the associated marketing materials. They amount to 4% to 10% of the loan. The fees are paid exclusively to BCV and shall not result in additional fees for the loan recipient. By taking out a loan, you accept BCV’s right to these fees and waive the right to be reimbursed for them. You may not claim a reimbursement of these fees from Cembra.