Refinance a loan with low interest rates

How does loan refinancing work

CHF 1 000
6 months

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

Your monthly rate *

From 5,9%

Including insurance: 10.10

To 10,9%

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.

Refinance your loans with bob credit

Having your finances under control at all times gives you a sense of security. Plus, you can save a hefty chunk of change. Your loan liabilities have a key role to play here. Take advantage of our tips.

1. Stay on top of your loans and compare lending conditions

If you carry out a comparison, you’ll see huge differences in lending conditions. High fees and interest rates often go hand-in-hand with credit cards and private loans. Interest rates change at regular intervals, and were even higher a few years ago. It can be hard to stay on top of things if you've got several loans and credit cards.

Take the time to put together a list of all of them: it's worth the effort! As soon as you’ve gathered together the details of all your loans and credit cards, together with their interest rates, use our online form:

  • Enter the sum that needs refinancing into the credit calculator.
  • Adjust the term to ensure that you’ll be able to afford the loan instalments.
  • Provide all the necessary information.

Once you've submitted your application for refinancing online, you’ll receive a provisional decision about your credit – with exceptionally favourable annual percentage rates. Your income, your age and your credit rating, plus other factors, all play a key role in this decision. Now you can make the most of low loan instalments, get new cash from your loan and benefit from favourable interest rates.

2. Reduce your outlay thanks to favourable lending conditions

Refinancing a loan doesn't just help you save money, it also reduces your administrative workload. Do you know how long your various loans have left to run? Effectively amalgamate your debts in just a few easy steps.

  • Create an overview of your situation and calculate your total credit amount
  • Work out the optimal term using the online form
  • Submit an online application and receive a preliminary decision right away
  • Gather the relevant documents and send them to bob
  • Receive a payout of the credit amount and refinance your debts

Now, you’ll have just one loan and one point of contact! This will help you stay on top of things while ensuring that you can benefit from attractive lending conditions.

3. Carry out loan refinancing and set up a budget

As soon as you’ve amalgamated and refinanced your loans, we recommend a systematic approach to budgeting. This means you always know how much you've got at your dis-posal every month. Read about how to do this here.