cashgatePersonal Loan: Terms at a Glance

cashgate was founded in Zurich in 2005 as a consumer credit institution, jointly backed by five cantonal banks: Graubündner Kantonalbank, Schaffhauser Kantonalbank, Thurgauer Kantonalbank, Zürcher Kantonalbank, and Valiant. In 2008, the brand moved to the Aduno Group.

In 2019, Aduno sold cashgate to Cembra Money Bank AG as part of a strategic refocus on the credit card business. Since then, cashgate has been a brand of Cembra, which acts as the lender. According to Cembra's own annual report, the operational integration was completed within eleven months.

What does that mean for you as a borrower? Cembra Money Bank AG is a bank supervised by FINMA. Lending itself, as with every Swiss provider, follows the rules of the Consumer Credit Act: cantonal authorization, creditworthiness check, statutory maximum interest rate. The cashgate brand changes none of that; it is the distribution channel, not the legal substance.

This is exactly where privatkredit.ch comes in: we know the lending criteria of Swiss lenders, including cases where a larger group stands behind a brand, and we direct your request to the provider that fits your situation. This way, you avoid unnecessary applications with multiple addresses that ultimately lead to the same bank anyway.