About Cembra

Cembra is a leading Swiss provider of innovative financing and payment solutions. Our product range includes personal loans and auto leases and loans, credit cards, the insurance made available in this context, invoice financing and savings products.

Across our business lines Lending and Payments, we serve over 2 million customers in Switzerland and employ more than 850 people from about 40 countries. We have our headquarters in Zurich and operate across Switzerland through our network of branches and our online distribution channels, as well as through our credit card partners, independent intermediaries and car dealers.

We have been listed as an independent Swiss bank on the SIX Swiss Exchange since 2013. Cembra is rated A- by Standard & Poor's and is recognised for its strong sustainability performance by leading ESG rating agencies.

Our vision

We leverage technology to deliver the most intuitive customer solutions in consumer finance.

Products

We offer a broad range of financing solutions in Switzerland:

Personal loans: Cembra is a leading provider in the highly competitive personal loans market. We are offering a personalised premium service and our products are available through our branches across Switzerland, through independent intermediaries and online.
Auto loans and leasing: Cembra is a large brand-independent auto loans and leasing provider in Switzerland. Our products are sold via a distribution network of around 3,200 car dealers, who act as intermediaries. A dedicated sales force of 22 field agents, together with the employees at our four service centres, provide a personalised, flexible and efficient service.
Credit cards: We are one of the leading credit card providers in Switzerland, with about 1 million cards issued. We offer a range of credit cards through partner programmes with Conforama, FNAC, IKEA, LIPO, SPAR, TCS, as well as our own credit cards. The cards offer a range of attractive features, such as loyalty points, cash back, personalised designs and no annual fees.
Buy now pay later (BNPL): Through CembraPay we offer invoice financing services and flexible payment options for both online and point-of-sale channels.
Insurance products: We provide access to various insurance products. Alongside our personal loans and auto loans and leasing, insurance provides financial protection in case of involuntary unemployment, accident, illness or disability. We also intermediate travel and card protection insurance for our credit card customers as well as car insurance.
Savings and deposits: We provide savings and deposit products at competitive interest rates for both retail customers and institutional clients.