Questions & answers about your credit

Cembra AI assistant

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Welcome.

I am Cembra AI Assistant and I am happy to assist you with your questions about credit and Cembra products.

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Requirements and Documents

Loan approval: What are the requirements? expand_more

The main requirement is that you are at least 18 years old and currently employed. Loan approval is based on a review of your personal information and in accordance with the Consumer Credit Act (CCA) and Cembra’s internal guidelines. Loans must not be granted if they would lead to over-indebtedness (legal disclosure according to Art. 3 UCA).

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Required documents: What do I need to submit? expand_more

To process your financing request, we need:

a completed loan application
your most recent payslip
a copy of one of the following valid ID documents: passport, identity card, driver’s license
For non-Swiss nationals: a copy of your residence permit

We may contact you if additional documents are needed, such as proof of your housing situation, employment status, financial situation, or past or current loans.

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Terms and Conditions

Interest rates and costs: What are they? expand_more

We offer interest rates between 5.95% and 9.95%. Your exact rate is based on your creditworthiness and will be determined after a detailed review.
The total cost of the loan depends on the loan amount, term, and interest rate. Use our personal loan calculator for more details.

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Issuance fee: Does Cembra charge a fee? expand_more

No. Opening a Personal Loan or Personal Loan Plus is free of charge.

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Disbursement and Repayment

Disbursement: When will I receive the loan? expand_more

If your financing request is approved, we will send you a personalized offer. After you return the signed offer, the approved amount will be transferred to your account following the legally required 14-business-day waiting period.

Start your application here

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First installment: When is my first payment due? expand_more

In most cases, the first installment is due one month after disbursement (on the 1st of the month). You’ll find the exact date in your loan agreement.

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Outstanding balance: How can I check my remaining loan amount? expand_more

You can check your outstanding balance by contacting your customer advisor, calling 044 439 54 50 , or visiting a Cembra branch .

Flexible repayment: Can I repay flexibly? expand_more

Yes. You can make additional payments or repay your loan in full at any time – free of charge.

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Contract Changes

Increase loan amount: Can I increase my loan during the term? expand_more

Yes. Increasing your loan is generally possible depending on your financial situation. For more details, please contact your customer advisor or submit an online loan application .

Protection and Privacy

Protection in case of illness or unemployment: What happens if I get sick or lose my job? expand_more

To protect you in case of involuntary inability to pay (e.g. accident, illness, disability, or involuntary unemployment), we recommend taking out our Payment Protection Insurance or Payment Protection Insurance Plus .
More information is available here or by calling our toll-free number 0800 814 800 .

Privacy: Will my employer be informed? expand_more

No. We treat your request with strict confidentiality.

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Taxes

Tax deduction: Can I deduct loan interest from my taxes? expand_more

Private individuals can deduct interest payments from their income tax. You will automatically receive an annual interest statement.

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Cembra App

Registration: How do I register for the Cembra App? expand_more

After signing a new personal loan or financing agreement, you’ll receive a registration letter for the Cembra App. If you can’t find it or it has expired, you can request a new one at cembra.ch/app .

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Benefits: What are the advantages? expand_more

The Cembra App gives you 24/7 access to your contract details and recent transactions. You’ll also find payment information for your monthly installment and your interest statement for tax purposes.
You can update your contact details directly in the app:

With Cembra App

Cembra App profile (top right on the home screen)

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No access: Why can’t I access the app? expand_more

Once your outstanding payments are settled, your access to the Cembra App will be restored.

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Update contact details: How do I do that? expand_more

You can update your email address, mobile number, and postal address in:

With Cembra App

Cembra App profile (top right on the home screen)

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Registration letter not received or invalid: What can I do? expand_more

Request a new registration letter at cembra.ch/app .

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