bob Finance review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

bob Finance lends directly in Switzerland at fixed rates of 4.7% to 9.9%, with borrowing of CHF 3,000 to CHF 80,000 over 6 to 120. It suits permanently employed residents with a good credit record who want a predictable monthly instalment, backed by email, phone and help centre support.

Key facts

Best for
Permanently employed Swiss residents with good credit wanting a fixed-rate loan for a car, a home project or debt consolidation.
APR
4.7% to 9.9% (Source, checked September 26, 2026)
Loan amount
CHF 3,000 to CHF 80,000 (Source, checked September 26, 2026)
Term
6 to 120 months (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
At the earliest after credit approval and contract signature, taking the statutory 14-day withdrawal period into account; decision on the application usually within 1 to 3 working days (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Private individuals aged 18 to 64 with a permanent employment contract, private email address and mobile number, Swiss residence, Swiss bank account and no open debt-collection proceedings; Swiss citizens and holders of a B or C residence permit only (G cross-border commuters and L holders excluded) (Source, checked September 26, 2026)
Loan types
Personal, Car, Debt-consolidation (Source, checked September 26, 2026)
Credit needed
Good (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
bob Finance, branch of Valora Schweiz AG (Source, checked September 26, 2026)
Headquarters
Switzerland (Source, checked September 26, 2026)
Founded
2014 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
bob.ch

Apps and profiles

Elsewhere
LinkedInfacebook.cominstagram.com

Pros and cons

Pros

  • Fixed rates of 4.7% to 9.9% sit under the site median of 12%.
  • Borrowing of CHF 3,000 to CHF 80,000 over 6 to 120 runs well past the site median amount of €876.96.
  • It is a direct lender rather than a broker, so the contract stays with a named provider.
  • Support by email, phone and help centre covers questions before and after signing.

Cons

  • The check is hard, hard, and good credit is expected, so a thin file has little room.
  • Eligibility is narrow: Swiss residence, a Swiss bank account, and Swiss citizens or B and C permit holders only.
bob Finance

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Scored 9.2 / 10 by BorrowCue.

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Who it suits

  • Permanently employed residents with a permanent contract, a Swiss bank account and good credit.
  • Borrowers consolidating existing debts into a fixed-rate instalment, since debt consolidation sits in personal, car and debt consolidation.
  • Households funding a car or a home project, covered by personal, car and debt consolidation and home improvement.

Who should look elsewhere

  • Borrowers chasing the lowest cost in the comparison, since Cashspace lists PHP 12 to PHP 36.
  • Borrowers focused only on the smallest entry cost, where Cashspace ES lists 0%.

The company behind it

bob Finance is bob Finance, branch of Valora Schweiz AG, based in Switzerland and founded in 2014. The branch structure means the lender named on the agreement is also the brand applicants apply to, from first application through to the final instalment. Support runs by email, phone and help centre, so help arrives by phone, by email or through the help centre.

How bob Finance compares

Where bob Finance is available

Available
Switzerland

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate does bob Finance charge on a personal loan?+

The rate is fixed, fixed, and 4.7% to 9.9% covers the personal loan product. The model is fixed rate, so the monthly instalment holds for the whole term rather than following a base rate up and down.

How much can I borrow and over what term?+

Borrowing runs CHF 3,000 to CHF 80,000 and the term runs 6 to 120. Personal, car and debt consolidation lending sit under the same product, with home improvement also named among the uses. A larger project and a longer repayment both stay inside the published range.

Does applying affect my credit file?+

Yes. The check is hard, hard, and the profile expected is good. A hard search is recorded on the file whether or not the application succeeds, so it pays to know the position before applying. Hard checks are also the norm in this category, 76.5%.

Who is behind the loan and is the money safe?+

The credit comes from a named company, bob Finance, branch of Valora Schweiz AG, based in Switzerland, and bob Finance is a direct lender. The provider on the agreement is the firm that decides the application, and servicing sits with it too, through email, phone and help centre.

How long does it take to get the money?+

Applications are usually decided within a few working days, and the money can arrive at the earliest once the credit is approved and the contract signed. A statutory withdrawal period runs as part of that, so allow for a waiting period. Questions during the wait can go to email, phone and help centre.

Who can apply for a loan with bob Finance?+

Applicants must be adults with a permanent employment contract, a Swiss home address, a Swiss bank account, a private email address and a mobile number, and no open debt collection proceedings. Applications carry a hard check, hard. The group is limited to Swiss citizens and holders of a B or C residence permit.

Can I use a bob Finance loan to consolidate debts?+

Debt consolidation appears among the loan types, personal, car and debt consolidation, alongside personal and car lending. The same fixed rate and 6 to 120 term apply, so the instalment is set from the start. Home improvement is named too, home improvement, which widens the purposes one loan can cover.

How does the offer compare with the rest of the list?+

Rates and loan size both stand out. The rate of 4.7% to 9.9% sits under the site median of 12% for personal loans, and CHF 3,000 to CHF 80,000 sits well above the site median of €876.96. A hard check, hard, is common in this category.

Sources

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Arrangement fee, Representative example.

bob Finance

bob Finance

Permanently employed Swiss residents with good credit wanting a fixed-rate loan for a car, a home project or debt consolidation.

9.2/10See alternatives

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