Personal Loan Switzerland: Your fast and flexible financing solution

Fulfill your wishes with a Personal Loan from CHF 1,000 up to 250,000 (Higher amounts possible upon request). Calculate your monthly installment without obligation now.

Calculate Monthly Installment Now

Your Personal Loan Calculator: Determine Monthly Installment 🧮

Use our calculator to determine the optimal term and rate for your Personal Loan. Plan your repayment with full transparency before applying.

  • Personal Loan with low-interest guarantee
  • Interest and total costs instantly visible
  • Application possible online in a few minutes

💶 Calculate Your Desired Loan

Effective Annual Interest Rate from 4.9%


What is a Personal Loan and what advantages does it offer?

A Personal Loan (often referred to as a consumer loan or small loan) in Switzerland is an unbound financing aid for private purposes. Unlike leasing or mortgages, you can use the amount freely – whether it's for consolidating expensive credit card debt, purchasing new furniture, or realizing a vacation home.

Flexibility and planning capability with a Swiss Consumer Loan

1. Free Use of Funds

The money is not tied to a specific purpose. You decide whether to consolidate debt, finance further education, or make a major investment with it.

2. Fixed Conditions

Thanks to a fixed term (12 to 120 months) and constant monthly installment, you have full budget control over the entire duration of the Personal Loan.

3. Tax Deductibility

The interest on a Personal Loan in Switzerland can usually be deducted from taxable income (note cantonal differences).

Requirements for Loan Approval in Switzerland (CCA-Compliant)

We work according to the strict guidelines of the Consumer Credit Act (CCA/KKG) to check your creditworthiness and prevent over-indebtedness. The affordability of your loan is our top priority.

Who can apply for a Personal Loan?

  • Swiss citizenship or valid residence permit (B, C, or G).
  • Age between 18 and 65 years.
  • Permanent, non-terminated employment (at least 3 months with the current employer).
  • Legal Affordability (CCA Rule): We check whether your Disposable Income (income minus fixed costs and minimum living expenses) is sufficient to repay the entire loan amount within 36 months, regardless of the chosen term (up to 120 months).
  • No negative entries with the ZEK (Central Credit Information Office).

Note: The granting of credit is prohibited if it leads to over-indebtedness of the consumer (Art. 3 UWG / Art. 24 KKG).

The Best Online Loan in 3 Steps

1

Calculate Loan

Determine your desired amount and suitable term in the calculator.

2

Apply Online

Fill out the form in a few minutes. Upload necessary documents.

3

Receive Payout

After final approval, the money is freely available to you.