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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 cashgate to offer personal loans for just about any major purchase.


  • Simple application process with a fast answer.
  • Your loan will be completely written off in the event of death.
  • Optional disability coverage in case you become unable to work.


Through cashgate, we offer personal loans of anywhere from CHF 3,000 to CHF 250,000 for terms ranging from six to eighty-four. 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, cashgate 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.

cashgate is a brand of Cembra Money Bank SA. The lender is Cembra Money Bank SA, which is based in Zurich.

Loan conditions


Criteria for obtaining a loan

Minimum age

20 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

Effective annual interest rate

5.9%, 7.9% or 9.9%, depending on the amount and term

Loan term

Anywhere from 6 to 84 months


Apply for a loan