How long does the credit decision take at Cembra?

Cembra usually decides on an application within 24 to 48 hours. After approval you have a 14-day right of withdrawal under Art. 16 CCA before disbursement takes place.

Can I repay my Cembra loan early?

Yes, at any time without penalty. Cembra only charges interest up to the repayment day, the remaining term is not charged interest. This is governed by Art. 17 CCA.

What documents do I need for a Cembra loan?

You need a valid ID, your last three payslips, and, if you are self-employed, your last two tax returns. Cembra requests the documents after you submit the application.

What is the maximum loan amount at Cembra?

You can apply for between CHF 500 and CHF 250'000. The amount actually available depends on your creditworthiness and your available income.

What does Cembra's Barkredit Plus offer?

Barkredit Plus combines a flexible 24-month payment phase with subsequent fixed installments over 12 to 72 months. It suits situations where you need short-term financial flexibility.

Loan Provider

Cembra Personal Loan: Terms at a Glance

Cembra Money Bank is Switzerland's market leader in personal loans: over CHF 2.27 billion in lending volume and more than 200,000 loans issued per year. The name Cembra brings to mind an established partner for lending, flexible and fast. This profile shows what stands behind that reputation, and where Cembra fits your situation.

About the Provider

Who Is Cembra Money Bank?

Cembra Money Bank was founded in 1992 and has specialized in one thing: issuing personal loans. It is not a universal bank or a mortgage specialist, but a pure lending bank headquartered in Zurich.

Cembra has been an independent, SIX-listed company since 2013. Credit applications at Cembra are decided by lending specialists, not mortgage or wealth advisors. You notice it: lending is their core competence.

The result is a market leader with over CHF 2.27 billion in lending volume. That does not happen by chance, it comes from lean processes and fast decisions.

This is exactly where privatkredit.ch comes in: Cembra is a strong market participant, but not the right address for every profile. We know the lending criteria of Swiss lenders and direct your inquiry to the provider that fits your situation, instead of you approaching several banks individually and leaving unnecessary marks on your credit record along the way.

Facts & Figures

Cembra Money Bank: The Key Facts

Loan amount: CHF 500 to CHF 250'000
Rate band: 6.9% to 9.9% effective annual rate
Terms: 6 to 72 months, freely selectable
Processing time: usually 24 to 48 hours to a decision
Fees: no issuance commission
Early repayment: possible at any time, only interest up to the repayment day applies
Special feature: Barkredit Plus: 24-month flexible payment phase, followed by fixed installments over 12 to 72 months
Founded / headquarters: 1992, Zurich

Who Cembra Suits

Which Profiles Cembra Fits

Borrowers looking for a wide choice of term and loan amount, from small sums starting at CHF 500 up to larger amounts.

People with a clean ZEK record and stable income who want to benefit from fast processing.

Self-employed individuals with documented tax returns, since Cembra accepts these documents.

People in a career transition, for whom the Barkredit Plus model with a flexible starting phase can provide relief.

Applicants with a B or C residence permit looking for a provider with a corresponding track record.

Questions About Cembra

Frequently Asked Questions About the Cembra Personal Loan

Interest rates at Cembra range between 6.9% and 9.9% effective annual rate. The individual rate depends on your creditworthiness, the loan amount, and the term. The better your credit capacity, the lower the rate.

Laufend aktualisierter Beitrag

Transparenz nach den publizistischen Leitlinien von privatkredit.ch

Stand: July 2026

Autor: privatkredit.ch Editorial Team, Editorial Team for Loans & Financing
Fachliche Prüfung: Redaktionsinterne Gegenprüfung durch Kreditfachleute
Zuletzt aktualisiert: July 7, 2026, Inhalte werden laufend aktualisiert
Unabhängigkeit: Unabhängige Recherche, ausschliesslich offizielle Schweizer Quellen

Quellen und Referenzen

1Cembra Money Bank AG. cembra.ch
2Federal Act on Consumer Credit (CCA/KKG), Fedlex. fedlex.admin.ch/eli/cc/2002/747/de

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