Cashgate: Advantages, reviews & experiences with our partner

Are you looking for a reliable and flexible loan offer in Switzerland? Cashgate, a renowned provider in the Swiss credit system, could be just the right partner for your loan. Whether for unexpected expenses, the realization of a long-cherished dream or to bridge financial bottlenecks – at Cashgate you will find tailor-made credit solutions that meet your needs. With transparent interest rates that include all costs and the option of early loan repayment in accordance with Swiss law, Cashgate stands for fairness and customer proximity. We at have been working with Cashgate for a long time and therefore know first-hand why Cashgate is often the first choice of many Swiss people.

Requirements for applying for a Cashgate loan

Basic requirements

Cashgate logo

Before you decide on a Cashgate loan, it is important to understand the basic requirements. Cashgate ensures that its lending practices comply with Swiss laws and standards in order to protect the interests of both the borrower and the lender. The essential requirements include:

  1. Age limit: Applicants must be at least 18 years old.
  2. Residence: A permanent residence in Switzerland is required.
  3. Proof of income: A regular income from a permanent job or other stable sources of income are required.
  4. Good credit rating: A positive credit rating without entries with the ZEK (Central Credit Information Office) is crucial. We are happy to help you clean up your credit rating .

Detailed list of documents for the credit check

For a smooth credit check, you should have the following documents ready :

  • Valid proof of identity (identity card or passport)
  • Current payslips for the last min. 3 months
  • For the self-employed: Latest tax return and business balance sheets
  • Confirmation of residence
  • Bank statements for the last few months

These documents help Cashgate to accurately assess your financial situation and offer a loan that matches your possibilities. By providing complete and accurate information, you can speed up the lending process and secure the best terms.

Interest rates with Cashgate

The interest rates for Cashgate loans are a decisive factor that contributes significantly to the attractiveness and affordability of a loan agreement with Cashgate. In Switzerland, loans are characterized by their transparent and inclusive interest rates that cover all additional costs. Here are some key points you should know about the interest rates at Cashgate:

  • Transparency: The interest rate you see in the contract is the interest rate you pay. There are no hidden fees or additional costs.
  • Individual determination: The interest rate is determined on the basis of your personal financial situation. Factors such as income, employment status and creditworthiness play a role here.
  • Legal regulations: Interest rates comply with Swiss laws and regulations to ensure fair credit conditions for all parties.

Use of the online loan calculator

To find out the potential cost of your loan, Cashgate (like us) offers a user-friendly online loan calculator . This tool allows you to run through different scenarios and get an idea of how different loan amounts and terms will affect your monthly repayments. Here’s how you can use the loan calculator:

  1. Enter credit amount: Select the desired loan amount.
  2. Select the term: Decide over what period you would like to repay the loan.
  3. Enter your personal details: Enter some basic information about your financial situation.
  4. Receive the result: The calculator shows you the estimated monthly installments, based on the current interest rate.

The online loan calculator is an excellent tool for obtaining an initial assessment and adjusting your financial planning accordingly. However, please remember that the final conditions will only be determined after a detailed examination of your documents.

Personal loan from Cashgate: advantages and disadvantages

When considering a personal loan from Cashgate, it is important to weigh up both the advantages and the possible disadvantages in order to make an informed decision. Here are some key aspects to consider:


  1. Flexible loan amounts and terms: Cashgate offers a variety of options to meet your specific needs.
  2. Quick and easy online application: The process is straightforward and can be completed from the comfort of your own home.
  3. Transparent conditions: The interest rate includes all fees, so you know exactly what to expect.
  4. Early repayment options: You can repay the loan early at any time without incurring additional costs.
  5. Also there for you offline: In addition to online services, Cashgate also offers advice in 7 branches in Switzerland.

Possible disadvantages

  • Credit check: A rigorous assessment of your financial situation is required, which can be a hurdle for some applicants.
  • Interest charges: Although transparent, interest rates must be taken into account in financial planning as they influence the total cost of the loan.

It is crucial that you realistically assess your financial situation and consider whether a personal loan is the right solution for your needs. Cashgate offers a fair and transparent option for those looking for a reliable and flexible loan.

Reviews and experiences with Cashgate

Real testimonials from customers

One of the best ways to assess the quality and reliability of a loan provider is to read customer reviews. Real experiences from people who have already used Cashgate loans offer valuable insights into the advantages and disadvantages of the service. Here are some of the most common points highlighted in customer reviews:

  • Customer service: Cashgate relies on high-quality support. Many customers praise the competent and friendly advice.
  • Speed of loan processing: The efficiency with which loan requests are processed is often mentioned positively.
  • Simplicity of the process: The uncomplicated and transparent application process is another plus point.
  • Satisfaction with the conditions: Customers appreciate the fair interest rates and clear conditions.

FAQ: Frequently asked questions about Cashgate

Do you have any questions? – We have the answers:

Who owns Cashgate?

Cashgate is a brand of Cembra Money Bank AG, an established financial institution based in Switzerland, which is a partner of many cantonal and regional banks as well as Raiffeisen banks. As a renowned lender, Cashgate stands for trustworthiness and reliability in the Swiss credit system.

How long does loan processing take at Cashgate?

The processing time for a loan with Cashgate is usually comparatively short. Once all the necessary documents have been submitted, Cashgate aims to process them quickly. As a rule, you can expect a decision within a few working days, depending on the completeness and complexity of your documents.

What collateral is required for a Cashgate loan?

No specific collateral such as real estate or vehicles is normally required for a personal loan with Cashgate. Lending is mainly based on your creditworthiness, your income and your employment situation. These factors ensure that the loan corresponds to your financial possibilities.

How is installment protection structured with Cashgate?

Cashgate offers optional payment protection that protects you against unforeseen events such as unemployment, illness or accident. This protection ensures that your loan instalments are paid even in difficult times, minimizing your credit risk and increasing your financial security. Details of the conditions and costs of this installment protection can be found on the Cashgate website or by making a direct inquiry.

Final evaluation: Is a Cashgate loan worthwhile?

Now that we have looked at the various aspects of cashgate loans, it is time to make a final assessment. Cashgate loans offer a number of benefits that make them an attractive option for many loan seekers in Switzerland. Here are the decisive criteria that should be taken into account when making a decision:

  • Flexibility and adaptability: Cashgate offers tailor-made credit solutions that adapt to your individual needs and financial circumstances.
  • Transparency and fairness: With inclusive interest rates and the option of early repayment without additional costs, Cashgate focuses on transparency and customer friendliness.
  • Simplicity and convenience: The loan application process is simple and can be completed quickly online, saving time and effort.
  • Positive customer reviews: Many customer reports underline Cashgate’s reliability and good service.

On the other hand, potential borrowers should always check their financial situation carefully and ensure that they can meet the obligations that come with a loan. The decision to take out a loan should always be carefully considered.

And before you make a final decision on a loan or a provider, we recommend that you compare several options as part of a loan comparison to check several options and confirm that the selected offer meets your personal requirements. At, we are committed to helping you choose the best loan that is tailored to your needs. Our service is completely free of charge for you! If you have any further questions, please do not hesitate to contact us. You can reach us by e-mail at or via our contact form.