Cembra personal loans at a glance
Cembra Cash Loan
Traditional instalment loans
Effective annual interest rates of 5.95% to 9.95%
Loan amounts from CHF 1,000 to CHF 250,000
Repayment terms from 12 to 84 months
Cembra Cash Loan Plus
Interest rates from 7.95% to 10.95%
Loan amounts from CHF 5,000 to CHF 250,000
Repayment terms from 36 to 96 months
Cash may be withdrawn as needed during the 24-month flexible period provided the agreed credit limit is not exceeded.
The remaining repayment term (from 12 to 72 months) is fixed.
A withdrawal fee of CHF 10 is charged for each withdrawal.
The instalments are fixed throughout the entire term of the loan.
Suitable for planned expenses within an open-ended timeframe.
Cembra personal loans features
The interest rate is determined individually during the application review based on the customer’s creditworthiness.
In exceptional cases, Cembra may also grant loans exceeding CHF 250,000.
Cembra offers an optional, fee-based payment protection insurance. This insurance covers loan instalments in the event of accident, illness, involuntary unemployment, or disability.
In the event of death, the outstanding debt is insured up to CHF 60,000.
Any change of address or name must be reported.
All debt collection fees, enforcement costs, and special service charges will be passed on to the customer.
Compared to other lenders, Cembra's interest rates are quite high. This indicates that the eligibility criteria may be less strict than those of other lenders.
However, lenders do not publish their full lending and interest rate criteria. Consult an independent adviser at our partner service, Credaris, to explore your options.
Our loan comparison provides an overview of the interest rates offered by other lenders.
1. Protection from over-indebtedness
The Consumer Credit Act applies to loans of up to CHF 80,000. For loans above this amount, consumers are not protected by the Consumer Credit Act. Calculate approximately how much you can afford to borrow.
2. Choose repayment term
The benefit of a longer repayment term is that the monthly instalments are lower. The longer the repayment term, however, the higher the total cost of the loan.
Nevertheless, it is advisable to plan realistically and, in particular, budget for irregular and unexpected costs.
You can pay off (amortize) the loan earlier at any time, which will reduce the cost of your loan.
3. ZEK and credit check
The Central Office for Credit Information (ZEK) is a platform for banks to exchange information on the credit standing of their clients. The ZEK registers all information on transactions involving personal loans, car leases and credit cards. If anybody promises you a loan without involving the ZEK, this is usually an untrustworthy lender.
Learn more about credit score.
4. Eligibility criteria
Each lender specifies his own risk and approval criteria, which are not or only partially communicated to customers or the general public for security reasons. Visit loan eligibility criteria and applying for a loan for more information.
Did you know…
Each loan provider assesses your profile differently.
Around 50% of loan applications sent directly to lenders are rejected.
If your application is rejected, you usually won't learn the reason why.
Every rejected loan application is registered with the ZEK and can be viewed by member lenders for a period of two years.
Increase your chances of getting a personal loan: Comparis works with Credaris to improve the provision of independent advice on the Swiss credit market.
Credaris reviews the client's individual situation in detail and negotiates with lenders to get the best deals available on the market.