Inexpensive, easy and digital!

Five benefits for you

  • Low rates

    Low rates from 4.9% APR

  • Easy online

    Everything is managed online thanks to video identification and e-signing

  • More safety

    Complete security thanks to SSL encryption

  • All information available at a glance

    You keep an eye on everything thanks to access to MyCockpit

How bob credit works

Three steps to your loan

1. Fill in the online loan application:

Complete our form with your desired amount and the repayment term. We will use this information to calculate your monthly installments. Our loans start from CHF 1,000 and go up to CHF 80,000 – with between 4.9% and 9.9% APR. Your repayment term will be between six and 120 months.

2. Receive a credit decision

You will receive a provisional decision as soon as you submit your application. A comprehensive credit check is performed in compliance with the Federal Law on Consumer Credit before the final decision is issued.

3. Submit your documents, then sit back and relax while you wait for the transfer

When we have received and checked your documents, if the decision is positive we will transfer your loan to your account after the statutory 14-day cooling-off period. You can view your documents or the current status of your application on our customer platform, MyCockpit, at any time.

What you need to qualify

General criteria

  • Individuals between 18 and 64 years of age
  • Permanent employment
  • Personal email address and mobile number
  • Residence in Switzerland
  • Swiss bank account

Additional criteria for an interest rate of 4.9%

  • First-class credit rating
  • Swiss citizen or foreign national with C permit
  • Minimum monthly net income from permanent employment of CHF 4,500
  • Existing personal loans with an outstanding sum of at least CHF 5,000 must be transferred to bob credit

Apply for a loan now

CHF 1 000
6 months

Monthly rate*

From 4,9%

Including insurance: 10.10

To 9,9%

Including insurance: 10.25

All figures in CHF

* We cannot determine the exact interest rate – and therefore the effective interest costs – until we receive your detailed information in the loan application

Further benefits of bob credit

  • Early repayment possible at any time
  • Credit protection in case of death included
  • Voluntary payment protection insurance option (inability to work and unemployment)
  • Existing personal loans or leases can be repaid