Bob Credit

Whether you need a new car, are embarking on a renovation project or want to realize other expensive dreams - a personal loan is often the only way to obtain the financial means. It is therefore particularly important to have a reputable and fair partner at your side. When it comes to loans, Bob Finance is a popular choice among consumers.

But who is Bob Finance AG anyway and what services and benefits does the Swiss lender offer? You can find out all this and more here in our loan comparison.

Bob Credit

Bob Finance AG

The Valora Group founded Bob Finance AG back in 2015. This is an online credit platform that grants so-called “Bob Credit” - i.e. personal loans. Bob Finance AG thus offers a fast, discreet and uncomplicated way to take out online personal loans so that you can easily fulfill your wishes. Bob Credit is characterized by the following features and advantages:

  • Maximum loan amount: With Bob Finance you can take out personal loans of between CHF 1,000 and CHF 80,000.
  • Effective annual interest rate: The effective interest rate for “Bob Credit” is between 4.9 % and 10.95 %.
  • Term: As a borrower, you are particularly flexible with Bob Kredit when it comes to terms. These range from a minimum of 6 months to a maximum of 120 months. The term of your loan is also freely selectable.
  • Payment protection: In addition to loan protection in the event of death, which is included as standard when a loan is granted, with “Bob credit” you have the option of taking out residual debt insurance against involuntary unemployment and incapacity to work or total disability.
  • Inquiry with your employer upon conclusion of the contract: The Bob Loan is granted discreetly and without an inquiry with your employer.
  • Disbursement of the loan: As soon as your loan application is approved, you will receive the money within a very short time by bank or postal transfer to your account in Switzerland.

Your way to a Bob personal loan: what you need to know

Similar to the Cashgate loan, the Bob personal loan is also subject to certain conditions:

  • To apply for a Bob loan, you must have reached the minimum age of 18 and be no older than 64.
  • You must be in a permanent employment relationship and have regular income.
  • A private e-mail address and your cell phone number are required for the credit application.
  • You must be resident in Switzerland and have Swiss citizenship or a C residence permit.
  • You will need a Swiss bank account to which the approved loan amount can be transferred.
  • A good credit rating and no outstanding debts are also required for a Bob loan.

More financial leeway in just three steps

Applying for a Bob personal loan can be done quickly and easily online in just a few steps:

  1. Apply for a loan online: To apply for a loan online, you can fill out our Miro Kredit AG online form. Here you can select your desired amount and the desired term. You also have the option of taking out a residual debt discharge.
  2. Receive a credit decision: In the next step, we will check your details and you will receive a preliminary assessment. The final credit decision will be made after a KKG-compliant check of your creditworthiness.
  3. Send in your documents and receive the money: As soon as your submitted documents have been positively checked, the loan amount will already be transferred to your account. However, the 14-day withdrawal period will be waited for before the payment is made.

What’s special about the Bob Finance personal loan

In addition to the conventional benefits, Bob Finance personal loans offer you a number of advantages and special features. For example, there is the option to take out payment protection insurance, which covers you in the event of involuntary unemployment, disability, illness, accident or death. This offers you financial security so that you can continue to service your loan, even if unforeseen events occur.

Is the Bob Finance personal loan a good choice?

In principle, the Bon Finance personal loan is a good financing solution for anyone who needs a cash injection. You can use the Bob personal loan in a variety of ways, for example as a car loan, education loan, renovation loan, health loan or even to replace an existing loan.

In addition, the Bob Finance loan is characterized by a number of advantages that offer you flexibility and security. You benefit from a flexible credit line and customizable contract terms that allow you to structure the loan exactly to your needs.

Another strength of this loan is the planning security it offers through fixed monthly installments. This means you always have an overview of your financial obligations. If you would like to repay your Bob loan more quickly, you also have the option of early repayment without having to worry about additional costs or fees.

What’s more, the conditions of the Bob Finance personal loan are transparent and easy to understand. You always know what costs you will incur, with no hidden fees or unpleasant surprises. The loan process is also quick and straightforward, especially if you submit your application online.

In addition to the Bob Finance personal loan, we also have other financial service providers such as Corner in our loan comparison. This allows you to compare different providers and find the right solution for you.

Most important facts at a glance - Bob Finance


  • Is Bob Finance reputable?

    Yes, Bob Finance is a branch of Valora Schweiz AG and is therefore a reputable partner when it comes to loans and financing.
  • Can you still take out a loan at the age of 80?

    As a rule, it is no longer possible to take out a loan at an advanced age. This is primarily due to the fact that full repayment of the loan can no longer be guaranteed after a certain age.
  • Who will give me a loan?

    Lenders are usually credit institutions, financial service providers or banks, but private individuals can also give you a loan. The banks listed in our loan comparison are reputable and reliable credit partners that will enable you to meet your financial needs.
Miro Kredit Swiss - Conclusion


The Bob Finance personal loan is a good solution for anyone who wants to fulfill a long-awaited dream. Regardless of whether you want to use the loan for a new car, a renovation or for your further education - the availability options of the Bob loan are diverse. In addition, the online loan application offers you the opportunity to obtain your desired amount quickly and easily.

Private loan calculation example:
Private loan calculation example:

Loan amount: CHF 10,000 without insurance. Repayment period: 12 months

Interest (including costs) amounts between CHF 240.50 and CHF 574.25. Effective interest rate 4.5% – 11.95%. Possible loan repayment period from 12 to 120 months

Processing fees: CHF 0.-. Granting a loan is prohibited if it leads to over-indebtedness (§ 3 Unfair Competition Law – UWG)