Cembra Money Bank AG, Bändliweg 20, 8048 Zürich
The Cembra Money Bank AG is a Swiss credit institution specializing in personal loans (Cembra Kredit), leasing, credit cards and savings. The credit institution mainly targets the Swiss market and the Principality of Liechtenstein, but also the direct neighbouring countries.
Cembra Money Bank was founded in 1912 as Bank Prokredit. In 1998, the bank was taken over by GE Capital. In 2006, Bank Pro Kredit and Bank Aufina merged under the name GE Money. The bank was to be sold in 2013. In the same year, however, the bank went public under the name Cembra Money Bank. Since then, GE Capital and General Electric have held approximately one third of the shares, the rest is free float. The name of the bank is derived from the Latin term pinus cembra for Swiss stone pine and represents the brand values of the bank.
The registered office of Cembra Money Bank AG is in Zurich, but the company also maintains additional branches in Basel, Bern, Montreux, St. Gallen, Winterthur, Geneva and Lausanne, among others.
The Cembra Money Bank Loans
In addition to the regular personal loan, Cembra Money Bank also offers other attractive products:
- Barkredit Plus (for flexible Financing)
- Finanzierung Plus (Car Loan)
Detailed information about the online personal loan: Cembra
| Effective annual interest rates: | 5,95% - 9,95% |
| Amount of loan | 1.000 CHF - 250.000 CHF |
| Term | 12 - 84 Months |
| Fees: | none |
Representative example
| Amount of loan | 50.000 CHF |
| Term | 48 months |
| Monthly costs | 1.173 CHF - 1.267 CHF |
| Total costs: | 56.309 CHF - 60.813 CHF |
Loan features
| Second applicant possible: | Yes |
| Credit insurance possible: | Yes |
| Free early repayment: | Yes |
| Free full repayment: | Yes |
| No fees: | Yes |
| Loan refinancing possible: | Yes |
| Loan increase possible: | Yes |
| Document upload possible: | Yes |
| Bank provider: | Yes |
| Digital signature: | Yes |
| 100% Online: | Yes |
| Loan decision within 24 hours: | Yes |
Conditions
| Maximum age: | 65 (at the end of the contract) |
| Employment type: | Permanent employment |
| Self-employed possible: | Yes |
Documents to be submitted
| ID, C/B permit, pay slips (last 3 months) |
Remarks
| Important: The minimum interest rates shown by credit providers are granted to only a small fraction of applicants. Credit specialists negotiate with the banks on your behalf. By submitting an optional Loan Enquiry on our website, you will receive free, personalized advice. This preliminary consultation is conducted without a ZEK enquiry. |
Personal Loans from Cembra
The Cembra Money Bank personal loan can be individually configured, depending on personal needs and individual requirements. The contract terms are between 12 and 84 months, the possible loan amount is between CHF 1000 and CHF 250,000. Longer terms are generally possible and can be agreed individually.
The Cembra Money Bank offers the personal loan at interest rates between 5.95% and 9.95%. This interest can be set against tax. The interest rates are determined on the basis of personal circumstances and are agreed upon with the customer. An offer can be obtained via an online application.
In any case, the borrower must have a place of residence in Switzerland or in the Principality of Liechtenstein and must indicate a possible change of residence. If the place of residence is moved abroad, the loan must be repaid. The main requirements for granting a loan are that the client is of legal age and employed. Consumers who work in Switzerland and have a Swiss bank account can also apply for a loan.
Advantages of the Cembra Money bank Loans
Cembra Money Bank attaches great importance to responsibility and transparency. For this reason, loans are only granted if the customer is not threatened by overindebtedness.
The advantages at a glance:
- Flexiblity regarding the size and duration of the loan
- Monthly instalments to suit the individual budget
- Budgeting possible through fixed monthly rates
- High level of transparency
- Prompt and unbureaucratic processing
- Early repayments possible
- Remission of residual debt in case of death
The loan can be applied for simply by going to Loan application online. Within the shortest time possible, our partners will then check the application, make a credit decision and send it to you. After the contract is signed, the agreed Loan amount is paid out after a statutory waiting period of 14 days.