Valais Cantonal Bank (BCVS) Personal Loan *

Walliser Kantonalbank (BCVS)
Walliser Kantonalbank (BCVS)
Place des Cèdres 8
1951 Sitten

The Valais Cantonal Bank (BCVS), also known as Banque Cantonale du Valais, operates in the private customer segment and offers financial products such as personal loans, mortgages, accounts and other credit solutions. The BCVS personal loan is aimed at private individuals who wish to finance projects, purchases or unforeseen expenses.

The Valais Cantonal Bank was founded in 1917 and converted into a public limited company in 1993. It is a public-law cantonal bank with its head office in Sion (Sitten) in the Canton of Valais and operates numerous branches throughout the region. BCVS is active in asset management, retail banking and private customer business.

BCVS (Banque Cantonale du Valais) offers a wide range of financial services for private and business customers. These include traditional banking products such as accounts, mortgage solutions, savings accounts as well as personal loans and advisory services at its local branches.

The range of loans offered by the BCVS

In addition to the classic personal loan, the BCVS loan portfolio for private customers includes further financial products and services, including:

  • Personal Loan
  • Mortgages and construction Loans
  • Student loans and individual credit solutions

The BCVS personal loan

The BCVS personal loan is a cash loan that can be used freely and for a wide variety of purposes such as consumption, projects or unexpected expenses. Loan approval is fast and straightforward, with the customer working together with a bank advisor to find the appropriate solution.

Repayment is made through fixed monthly instalments, and the term can be freely chosen between 1 and 60 months, depending on the borrower’s needs. The bank also offers the possibility to repay the loan in full at any time without additional costs. The maximum loan amount is up to CHF 80,000, covering a wide range of consumer or project financing needs. The loan application is submitted through personal consultation at a BCVS branch, and the credit decision is generally made within 2 working days after submission of the complete file.

BCVS personal loan interest rates are fixed and clearly defined: the effective annual interest rate is 6.9%, with a reduced rate of 5.9% if the loan is used to purchase a vehicle with energy efficiency class “A”. These rates are subject to review and creditworthiness assessment by the bank.

The final interest rate and detailed conditions are determined as part of a personal loan offer request with BCVS. After submitting the application, the borrower receives a binding offer, which can be accepted or declined. Working with a personal bank advisor ensures that all individual needs and financial circumstances are taken into account.

Advantages and disadvantages of the BCVS personal loan

The advantages at a glance:

  • Fixed interest rate over the entire term ensures planning security
  • Loan decision usually within 2 working days after submission of the paperwork
  • Reduced interest rate of 5.9% when financing a vehicle with energy efficiency class “A”
  • Clear and transparent loan conditions with no hidden costs
  • Flexible loan terms between 1 and 60 months
  • Early full repayment possible at any time without additional costs
  • Personal advice at a BCVS branch
  • Prompt processing of credit applications

The disadvantages at a glance:

  • The BCVS personal loan can only be granted within the framework of a personal consultation at a BCVS branch

* The BCVS's personal loans are currently not offered by any of our partners.