What is Cembra Financing?
You have big plans and want to purchase a product or service without compromise – and without giving up your financial freedom. Cembra Financing gives you that freedom by helping you make your investment.
Choose Cembra Financing through a selected partner and receive the application link and QR code directly by email.
How does Cembra Financing work?
Cembra Financing is available through selected partners. Choose a product or service and inform the partner that you’d like to finance it with Cembra.
-
The partner initiates the financing process
-
You receive an email with the link and QR code to the application form
-
You complete the application form and submit it to us
-
Cembra reviews your application
-
Once approved, you’ll receive confirmation from us. The funds are then transferred directly to the partner
-
You receive the product or service
Why Cembra?
Cembra is a leading Swiss bank offering innovative financing and payment solutions. Our product range includes personal loans and vehicle financing, credit cards, related insurance offerings, invoice financing (Buy Now Pay Later), and savings products.
With our two business areas “Lending” and “Payments,” we serve more than 2 million customers in Switzerland.
As a customer, you also benefit from the following advantages:
-
Finance goods and services through selected partners
-
Financing available from CHF 5,000.–
-
Terms of up to 60 months
-
Fair conditions
-
Early repayment – always possible
-
Protection with our Installment Insurance in case of involuntary unemployment or other unexpected events
-
All key information about your financing is clearly presented in the Cembra App (iOS and Android).
FAQ: Your questions about Cembra Financing
Requirements and documents
Required documents: What do I need to submit? expand_more
To process your financing request, we need your fully completed credit application, a current payslip, and a copy of your ID:
We will contact you if additional documents are needed, such as proof of your housing situation, employment status, or financial circumstances.
Decision and payout
How soon will I know if my financing request is approved? expand_more
The sooner you submit all required documents, the faster we can process your application. You will receive a decision shortly after submitting your request. If we have any questions, we’ll reach out to you personally.
Conditions
What are the costs of financing? expand_more
The exact interest rate is determined after your application is reviewed and in consultation with you. It depends on your personal situation and, if applicable, previous or existing contracts. The cost of financing depends on the loan amount, term, and interest rate.
Term and repayment
How long can I choose for my financing? expand_more
In general, a term of up to 60 months is possible. However, it may vary depending on the product and your personal situation.
Can I repay my financing flexibly? expand_more
Yes. You can repay your financing in full or in part in addition to the contractually agreed monthly installment – at no extra cost.
Security and protection
Protection in case of illness or unemployment: What happens if I have an accident, get sick, or become unemployed? expand_more
To protect against payment default – for example, due to accident, illness, disability, or involuntary unemployment, we recommend taking out our Installment Insurance or Installment Insurance Plus. You can find more information here or by calling our toll-free number 0800 814 800 .
Contact
Who can help me with questions about financing? expand_more
Our Customer Support team is here to help. You can reach us by phone Monday to Friday at 044 439 54 50 or anytime by email at email@cembra.ch .
