With refurbishment loans we feel at home

For a beautiful home

Residential property will need investment at some stage. The heating system has to be modernised or you need thermal insulation. Floor and wall coverings need to be changed. The kitchen and bathroom also need to be replaced. bob Finance can offer you a low interest rate to finance these expenses. Delay this important work no longer: get working on that loan application!

Many benefits under one roof

  • Favourable

    You can take out a refurbishment loan from bob.ch from an APR of just 4.9%, up to a maximum of 9.9 percent.

  • Transparent

    Home refurbishment loans from bob.ch are free of hidden costs or fees.

  • Straightforward

    The loan is requested and approved online. bob Finance uses e-signing and video identification.

  • Customised

    The refurbishment loan can be from CHF 1,000 to CHF 80,000 with terms of between six and 120 months.

Four simple steps to a refurbishment loan from bob

At bob Finance we want to make borrowing money as easy as possible. You can apply for financing to refurbish your home in four easy steps:

  1. Tell us what you need. You can use our loan calculator to work out your preferred term and monthly instalments.
  2. Complete the online application. Help is available through our support team.
  3. You will receive our decision. You will receive a provisional decision promptly. If the outcome is favourable, you will be offered the opportunity to identify yourself via video chat and to sign the contract digitally.
  4. Two weeks later (statutory cooling-off period) you will receive your refurbishment loan.

Apply for Refurbisment Loan now

CHF 1 000
6 months

More security! Protect yourself against credit default risks now. Find out more.

Your monthly rate *

From 4,9%

Including insurance: 10.10

To 9,9%

Including insurance: 10.25

All figures in CHF

* The interest rate that applies to you depends on your creditworthiness as a borrower. We determine this together with the effective interest costs based on your detailed information in the loan application. After the creditworthiness check has been carried out, we will inform you of our loan offer by email.


Modernisation, renovation and refurbishment can all be financed by a loan from bob credit. For example, you may want to change your sanitary ceramics, fittings or the tiles in your bathroom or kitchen. That is all covered, as are energy-related modernisations. We basically leave it up to you because we believe that you are best placed to decide on what work your home needs.

It definitely is to some extent: the loan interest is always tax deductible. As regards the other costs, it depends on the nature of the work. All money paid for work carried out to preserve the value of your property is tax deductible. However, if the work adds to the value of the property, the costs are not tax deductible. If, for example, you want to build a pool, you will not be able to deduct the cost from your taxable income.

Stay flexible with a refurbishment loan from bob

We don't just want to offer you low-interest loans for home refurbishments. We offer practical loans. In other words, bob allows you to take out a flexible refurbishment loan where you can select the amount of the loan and repayment term.

This freedom of choice is beneficial when working on your home as it could well otherwise be too late to access credit once you know how much money you really need. After all, you have to wait for cost estimates from the people performing the work. You may also be able to carry out some of the work yourself. You also have to compare materials prices.

We understand that and adapt our offering accordingly. If you see that your loan is not enough, you can top it up or apply for an additional loan. You may have up to three bob Finance loans. If you have borrowed too much, you can contact us to arrange special repayments. Alternatively you can think about whether you would like to have more work done with the excess funds.

If you already have credit from another lender, you can pay off that loan with credit from bob if you wish. All you have to do is inform us in your loan application. We will take care of the rest.

Stay flexible - with online credit from bob