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bob Finance review

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

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Our verdict

bob Finance lends directly to Swiss households with a permanent job, and a fixed rate keeps repayments steady at 4.7% to 9.9% over 6 to 120. It suits people with good credit who want a lump-sum loan rather than a revolving credit line, and the hard credit check leaves thinner files outside.

Key facts

Best for
A fixed-rate private loan for Swiss residents in permanent employment.
APR
4.7% to 9.9%↗
Loan amount
CHF 3,000 to CHF 80,000↗
Term
6 to 120 months↗
Credit check
Hard↗
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↗
Rate type
Fixed↗
Lender type
Direct lender↗
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)↗
Loan types
Personal, Car, Debt-consolidation↗
Credit needed
Good↗
Use cases
Home-improvement↗
Legal entity
bob Finance, branch of Valora Schweiz AG↗
Headquarters
Switzerland↗
Founded
2014↗
Support channels
Email, Phone, Help-centre↗
Pricing model
Fixed rate
Official website
bob.ch

Facts checked September 26, 2026, 7 sources

Apps and profiles

Elsewhere
LinkedInfacebook.cominstagram.com

Pros and cons

Pros

  • A fixed rate in the 4.7% to 9.9% range, so repayments hold steady across a 6 to 120 term.
  • A direct lender that funds the loan itself, so the contract and the payout come from bob Finance, branch of Valora Schweiz AG.
  • Sums of CHF 3,000 to CHF 80,000 cover a car, a home project and a consolidation of other debts, matching personal, car and debt consolidation.
  • Support runs on email, phone and help centre, so help is not limited to a single channel.

Cons

  • Applications need a permanent employment contract, a Swiss bank account and Swiss residence, and G cross-border commuters and L permit holders sit outside the eligible group.
  • Funding waits on the hard credit check, credit approval, the signed contract and the statutory withdrawal period.
  • The good credit bar means a recent missed instalment counts against the application.
bob Finance

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Scored 9.2 / 10 by SumCue.

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Who it suits

  • Swiss residents with a permanent employment contract and a good credit file.
  • Borrowers planning a car, a home improvement or a consolidation of existing debts.
  • People who prefer a fixed rate and a known monthly cost over a revolving credit line.

Who should look elsewhere

  • Cross-border commuters and L permit holders, who fall outside the eligibility rules, and readers who would rather weigh Sofkredit at 10.74% to 18.06%.
  • Anyone needing money the same day, since funding waits on approval, the signed contract and the statutory withdrawal period, whatever Cashspace at PHP 12 to PHP 36 shows.
  • Borrowers who want a revolving credit line rather than a lump-sum loan, a gap left open by the personal, car and debt consolidation products here.

The company behind it

bob Finance operates as bob Finance, branch of Valora Schweiz AG, a branch of Valora Schweiz AG based in Switzerland. The brand has lent in its own name since 2014. Applicants who need help reach the team on email, phone and help centre, covering phone, email and an online help centre, and the branch structure keeps the contract with one company.

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 will I pay on a bob Finance loan?+

The rate is fixed and sits in the 4.7% to 9.9% range, so the monthly cost does not move while the loan runs. The term runs 6 to 120, and the rate offered depends on your own credit record. Because fixed pricing applies, the cost is set at the start.

How much can I borrow?+

Loan amounts run CHF 3,000 to CHF 80,000 in Swiss francs, which covers a small top-up as well as a large renovation. The personal, car and debt consolidation products handle personal borrowing, a car and debt consolidation, and home improvement is the stated reason to borrow.

Who can apply for a bob Finance loan?+

The eligibility rules ask for a permanent employment contract, a private email address, a mobile number, Swiss residence and a Swiss bank account, plus no open debt collection proceedings. Swiss citizens and B or C permit holders qualify, while G cross-border commuters and L holders sit outside. The credit needed is good.

What does the credit check involve?+

The credit check is hard, and the bar is good credit, so a payment history with a missed instalment counts against the application. Hard searches are the norm in this segment, where 76.1% of the listings use one.

How long does it take to get the money?+

The hard credit check comes first, then the credit decision, then the signed contract, and the statutory withdrawal period runs before any payout, so the money does not arrive on the day of application.

Am I dealing with a lender or a broker?+

bob Finance is a direct lender, and the contracting company is bob Finance, branch of Valora Schweiz AG, based in Switzerland. The application, the decision and the payout therefore sit with the same company instead of being passed to a panel of lenders.

How do I get help with an application?+

Support runs on email, phone and help centre, so a question can go to the team by phone, by email or through the online help centre. The lender is a branch of Valora Schweiz AG that has been trading since 2014.

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

A fixed-rate private loan for Swiss residents in permanent employment.

9.2/10See alternatives