Credit comparison in Switzerland: Find the best loan quickly and easily online

If you are looking for a financing option in Switzerland, you have come to the right place . Regardless of whether you need a loan for an urgent need, a major purchase or to consolidate your debts, a loan comparison is the key to finding the best solution.

Our independent loan comparison has been developed to help Swiss consumers find the right loan. We understand that financial decisions have a big impact and we do everything we can to help you make informed decisions.

Start your loan comparison with our loan calculator

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How our loan comparison works

The path to a suitable loan can often be very confusing and time-consuming. Our service at simplifies this process for you so that you can compare loans in a structured and user-friendly way.

Here we explain how our loan comparison works:

Credit calculator

1. calculate desired loan

Start by calculating your desired loan. Enter the desired loan amount and term in our user-friendly loan calculator. Our online loan calculator for Switzerland will give you an initial estimate of the monthly installment you can expect. This will help you to get a feel for the financial burden that a loan entails.

Credit inquiry

2. send credit request

Once you have an overview of your desired conditions, you can submit a non-binding credit inquiry send it off. Fill in the simple inquiry form, which only asks for a few basic details and your contact information. Our data protection guidelines guarantee the secure handling of your personal data.

Credit comparison

3. we show you the best loan offers for your situation

After sending your request, our system starts working. It searches the offers of numerous lenders in Switzerland and identifies those that best match your details and needs. A variety of factors are taken into account to ensure that you are suggested favorable loans, but also those that are realistic and tailored to your personal financial situation.

Loan disbursement

4. you choose and receive the loan amount

Once the best credit offers have been identified, we will present you with a clear list within a very short time. Now the choice is yours. Compare the offers, think about which conditions suit you best and make your decision. After the final review of your documents by the lender (usually nothing goes wrong here, as we know the requirements of all banks and lenders in advance), the loan amount is transferred to your account and you have free use (no intended use). The entire process is designed to be as simple and quick as possible so that you can get the capital you need without unnecessary waiting times.

This structured process enables you to carry out a credit comparison in Switzerland efficiently and with minimal effort. Our aim is to make the loan search process as simple and transparent as possible for you.

Credit guide: You should be familiar with these topics

Taking out a loan is a significant financial decision that should be carefully considered. In our credit guide, we would like to give you some more information and tips to help you make this decision.

Repay a loan

Repay an existing redeem a loan can make sense in order to obtain better conditions or reduce the monthly burden. This involves replacing the old loan with a new loan that offers better interest rates or a longer term. The advantage in Switzerland is that, unlike in other countries such as Germany, early repayment of an existing loan is not associated with costs or fees such as a prepayment penalty. Any loan in Switzerland can therefore be repaid early at any time free of charge.

Calculate the repayment amount of the loan

The redemption amount is the amount required to repay an existing loan in full. It corresponds to the remaining loan amount – i.e. the remaining debt of the existing loan. To be on the safe side, always check with your current lender about the exact CHF amount to be repaid to avoid any nasty surprises. You can also use our online calculator from the comfort of your own home to calculate the transfer amount .

Increase credit

Sometimes, however, life demands more from you than you had initially calculated. In these cases, a loan top-up, i.e. an increase in an existing loan, is an option. We offer you all the information you need on the subject of top up your credit you need.

Compare interest rates

The interest rate is the main factor in calculating the cost of a loan. Particularly favorable interest rates can make your loan significantly cheaper overall over the term. A difference of just 1 percent – for example 5% instead of 6% – can save you a lot of money. It is therefore worth comparing the interest rates of different loan offers. Use our online loan comparison to get a quick overview of the current interest rates as part of a loan interest rate comparison to get.

Calculate credit line

The credit limit indicates the maximum amount of money you can borrow. It depends on various factors, such as your income, your creditworthiness and your financial situation. However, it is advisable not to use the entire credit line, but only to borrow as much money as you actually need. Here you can calculate your calculate your credit line .

Improve your own credit rating

A good credit rating is crucial for a favorable loan. You can improve your credit rating for example, by reducing existing debts, paying your bills on time and ensuring that your financial information is correct and up to date. An improved credit rating can give you access to better credit offers with lower interest rates. In Switzerland, negative ZEK entries are also a potential obstacle to taking out a loan . The ZEK (Central Office for Credit Information) is the counterpart to the German Schufa. While in Germany we talk about the “Schufa score” and credit inquiries that are “Schufa-neutral”, in Switzerland it is more about the credit score and the entries in the ZEK via the so-called ZEK codes if you want to improve or clean up your own credit rating.

These tips and information are designed to help you make informed decisions and find the loan that best suits your financial situation. The loan comparison for Switzerland here on is your reliable partner on the way to the most favorable loan.

Basic knowledge of different types of credit

Many life situations and circumstances can lead to increased capital requirements. Loans can therefore be taken out for a variety of purposes. Below we present some common types of credit to give you an overview of the situations in which we at can help you.

Car loan

A car loan is specifically intended for the purchase of a vehicle. These loans often offer better conditions than a general consumer loan. However, it is important to note that the vehicle often serves as collateral and can be confiscated by the lender in the event of non-payment. This applies regardless of whether it is a car, motorcycle, van or other vehicle.

Personal loan

The personal loan is a flexible financing option for private purchases or unforeseen expenses. It is characterized by a fixed term and fixed monthly instalments, which enables a clear calculation.

Corporate loan

Corporate loans are specially tailored to the needs of companies. They can be used for investments, working capital or to bridge liquidity bottlenecks. The loan conditions and requirements can vary greatly depending on the size and creditworthiness of the company.

If a company wants to take out a loan in euros rather than CHF, e.g. because it has customers who only accept euros, you are of course welcome to ask us about this. Our experts will be happy to discuss everything else with you.

Consumer credit

Consumer loans are used to finance consumer goods such as electronic devices and services such as travel. They are generally straightforward to apply for and offer a quick financing solution for small to medium amounts.

Real estate loan

Real estate loans are used to finance the conversion and renovation of properties or the purchase of vacation homes. They generally have very long terms and the interest rates are often lower than with other types of loan. While in Switzerland entire properties can only be financed via mortgages, a real estate loan can be used for an extensive renovation, for example.

Student loan

A student loan supports you financially during your training or studies. It can be used for fees, living expenses and other costs associated with training or studies.

Small loan

Small loans are intended for smaller amounts of money and often have shorter terms. They are quick and easy to apply for, but the interest rates can be higher than for loans with larger amounts.

Investment loan

Investment loans are used to finance investments that increase the value of your company, such as the purchase of machinery or real estate.

The term investment loan is also sometimes used to refer to a loan for the purchase of financial assets such as shares.

Bridging loan

A bridging loan is a short-term loan that helps to bridge financial bottlenecks until a long-term financing solution is found or the financial situation has eased or improved.

Rent deposit loan

When moving house, many people have to pay the deposit for the new apartment before they get the deposit for the old apartment back. A rental deposit loan creates financial leeway by (temporarily) financing the deposit for the rental apartment.

What influences the cost of a loan?

Understanding the cost of a loan is crucial to finding a deal that suits your needs. Several factors can affect the cost of a loan, and it’s important to know these before you make a commitment. Here are the main factors that influence the cost of a loan:

  1. Interest rate
  2. Runtime
  3. Fees
  4. Creditworthiness
  5. Loan amount
  6. Credit type
  7. Lenders
  8. Additional insurances

In the following, we take a closer look at the individual influencing factors and explain how they affect the costs of a loan.

Interest rate

The interest rate is the percentage of the loan amount that you also have to pay back to the lender. It is the price you pay for borrowing the money and the interest rate always refers to a 1-year period. Interest rates on a loan can be fixed or variable. Fixed interest rates remain the same over the entire term of the loan, while variable interest rates can change, often in response to changes in prime rates. This offers opportunities but also risks during the term of the loan. The normal case when borrowing in Switzerland is therefore a fixed interest rate.


The term of a loan is the time you have to repay the loan. Longer terms (e.g. 84 months or longer) usually mean lower monthly installments, but higher overall costs due to the longer time over which interest accrues.


In many countries, loans also include additional fees that can increase the costs. These may include processing fees, account opening fees, annual fees and early repayment fees. These are often converted into the so-called “effective interest rate”, which is then slightly higher than the nominal interest rate of the loan, which only includes the pure interest. In Switzerland, however, by law there are no additional fees for a loan other than the interest. There is therefore no such thing as an “effective annual interest rate” in Switzerland.


Your credit rating can have a significant impact on the interest rate you receive. People with a higher credit rating often receive better, i.e. lower interest rates, as they are classified as less risky for the lender.

Loan amount

The amount you borrow will also affect the total price of the loan. It is important to borrow only as much as you really need in order to minimize costs.

Credit type

Different types of loans can have different cost structures. For example, mortgages often have lower interest rates than consumer loans.


Of course, the borrower’s age also plays a role, as it is included in the banks’ risk assessment. For loans for pensioners and senior citizens an independent comparison and professional advice are particularly important.


Different lenders have different cost structures and interest rates. The fact that they are in competition with each other results in more favorable conditions for the borrower on the market.

Additional insurances

Sometimes additional insurance such as residual debt insurance is offered or even required. These can additionally increase the cost of the loan.

It’s important to consider all of these factors and understand how they affect the cost of your loan. The online loan comparison here on helps you to get a clear picture of the total cost of a loan and to find the offer that best suits your needs and financial situation.

Frequently asked questions about the loan comparison

The topic of loans can raise many questions, especially if you are dealing with it for the first time or if it is a particularly large amount. In this section we answer some frequently asked questions on the subject of loan comparisons.

Why should you compare credit offers?

A loan comparison allows you to compare different loan offers and find the one that best suits your financial situation. By comparing, you can find lower interest rates, better conditions and a suitable term, which can save you money in the long term.

Is the loan comparison on free of charge?

Yes, the loan comparison on is completely free and non-binding. We offer you a transparent platform to compare the best credit offers in Switzerland, with no hidden costs.

What information is required for a loan comparison?

For a loan comparison, you need information about your financial situation, including your income, your current expenses and any existing loans or other debts. Of course, information on the desired loan amount and term is also required.

What documents are required for the loan application?

To apply for a loan, you will need proof of your income, such as payslips or tax returns, as well as identification documents such as a valid ID card or passport. Whether further documents are required depends on which banks you are eligible for.

What are the requirements for a loan?

The requirements for a loan can vary depending on the lender and type of loan, but as a rule you must be of legal age, have a regular income and be resident in Switzerland. But even if you live in Germany, there are some options, for example with a loan for cross-border commuters.

What criteria are decisive for granting a loan?

Loans are granted based on various criteria, including your credit rating, your income, your financial stability and the amount of the desired loan.

What is an effective annual interest rate?

As already explained above, there is in principle no “effective annual interest rate” in Switzerland. In other countries, such as Germany, the APR indicates the total annual cost of a loan, including the fees that apply in addition to the nominal interest rate of the loan. This enables a direct comparison of the costs of different loan offers. However, this is not necessary in Switzerland, as there is only one one interest rate and this already includes all costs and fees.

Which is the cheapest loan?

The most favorable loan in Switzerland is therefore quite simply the one with the lowest interest rate (assuming the same term). Our loan comparison enables you to identify the most favorable loan for you.

What do I need to consider when taking out a loan?

When taking out a loan, make sure you understand the terms and conditions, ensure that the monthly installments fit into your budget and read the loan agreement carefully before signing it.

How do I recognize a dubious credit provider?

Dubious credit providers can harm you financially and should be avoided at all costs. Here are some warning signs:

  • Upfront fees: Reputable providers do not charge any fees before the loan agreement has been concluded. Be careful if you are asked to pay fees before you have even received any money.
  • Unclear conditions: A reputable loan provider will set out all conditions clearly and comprehensibly. Be skeptical if the conditions are unclear or not set out in writing.
  • Excessive interest rates: Extremely high interest rates are a warning sign of dubious practices.
  • Lack of authorization: Check whether the loan provider has the necessary licenses and authorizations to offer loans in Switzerland.
  • Unprofessional behavior: A professional approach and transparent communication are characteristics of reputable credit providers.

Can I also apply for a loan online?

Yes, applying for a loan online is very common these days and offers a quick and convenient way to apply for a loan . Here at you can easily start our online loan comparison to find the best offers and then submit a loan application or request directly online. The required documents can be submitted digitally and communication takes place by e-mail or telephone, which speeds up the process considerably.

Online loan comparison

How long do I have to repay a loan?

The repayment period for a loan varies depending on the type of loan and the agreed conditions. Typical terms are between 12 months and several years. In the case of mortgages, the term can even be several decades. The exact term and monthly installments are specified in the loan agreement. When taking out an installment loan, it is important to make a realistic assessment of your financial situation to ensure that you can pay the monthly installment over the entire term.

To what extent can credit cards already help?

Credit cards are indeed also a favorable way of improving liquidity. Many cards also have other features and special features such as cashbacks or included insurance. In our credit card comparison we show you the best credit cards in Switzerland and how to find the right card for your needs.

If you have any further questions, just send us an e-mail to – we would be delighted to help you!

Which credit providers are tested in the comparison?

When comparing loans on, we compare a large number of renowned loan providers in Switzerland to give you a comprehensive picture of the available loan offers. Below we present some of the providers that are included in our loan comparison:

bob credit

bob credit is the personal loan from bob Finance a Swiss-based credit provider characterized by simple and transparent credit offers. With user-friendly online tools and a clear cost structure, bob credit is one of the most frequently chosen providers of personal loans.


Cashare is one of the largest peer-to-peer lending platforms in Switzerland. It brokers loans between private individuals and thus offers an alternative to traditional bank loans. With a simple online application and clear terms, Cashare is a good option for personal and small business loans.


Cashgate is an established credit provider in Switzerland and offers a wide range of credit solutions for various needs. With expert advice and fair conditions, Cashgate is a reliable choice for loan seekers.

Cembra Money Bank

The Cembra Money Bank is a renowned Swiss bank with a comprehensive range of credit products. It offers individual financing solutions and is characterized by professional advice and transparent conditions.


Creditgate24 is an online credit platform that offers fast and uncomplicated credit solutions. With a digital application process and fast processing, Creditgate24 is ideal for loan seekers who need quick financing.


CREDIT-now is a loan product from BANK-now and adapts flexibly to different needs. With a simple online application and flexible repayment options, CREDIT-now is a practical choice for many loan seekers.

good finance

Good Finance is an innovative credit provider that focuses on sustainable and socially responsible financing solutions. With a clear focus on transparency and fairness, good finance is a good choice for environmentally conscious borrowers.


Crowd4cash is a peer-to-peer lending platform that brings borrowers and investors together. With a simple online process and attractive conditions, crowd4cash offers a modern alternative to traditional loan offers.


Lend is an online lending platform characterized by a simple application process and quick decisions. With a focus on digitalization and customer satisfaction, Lend is a great choice for modern loan seekers.

Migros Bank

The Migros Bank is one of the best-known banks in Switzerland and offers a wide range of credit products with attractive conditions. With sound advice and transparent conditions, Migros Bank is a trustworthy choice for those seeking a loan.

By comparing numerous credit providers on, you can get a clear picture of the available credit offers and find the offer that best suits your needs. Simply use our online loan comparison for Switzerland and find the best loan for your situation.

Credit landscape in Switzerland: Things to know

Switzerland has a robust and diversified credit landscape that is characterized by both traditional banks and new, innovative financial service providers. Here are some points you should know about the credit landscape in Switzerland:

Switzerland flag

  • Regulation: The credit market in Switzerland is well regulated to protect consumers and ensure the stability of the financial system. The Swiss Financial Market Supervisory Authority (FINMA) and the Swiss National Bank play a central role in monitoring and regulating the sector. In addition, the Federal Law on Credit (KKG) sets out clear rules. sets out clear rules.
  • Variety of providers: From large traditional banks to online lending platforms and peer-to-peer lending providers, there is a wide range of companies offering loans.
  • Loan types: The types of loans available are diverse and include personal loans, mortgages, car loans, corporate loans and many more. Each type of loan has its own characteristics and requirements.
  • Online loans: The ability to apply for and manage loans online has changed the way consumers deal with credit and offers a convenient alternative to traditional bank visits.

By understanding the lending landscape and the different options available to you, you can make informed decisions and find the best financing solution for you.

Our promise: A transparent online loan comparison

Our aim at is to offer you a transparent and easy-to-understand loan comparison. Here are a few points that underline our promise of a transparent loan comparison:

  • Clear information: We provide clear and concise information about the different loan offers, interest rates, fees and terms so you know what to expect.
  • Independence: Our loan comparison is independent and objective. We do not work with specific loan providers, but present you with a wide range of offers so that you can make the best choice.
  • Data protection: Your privacy is important to us. We strictly adhere to privacy policies and ensure that your personal information is safe and secure.
  • Easy to use: Our online loan comparison is user-friendly and easy to access, so you can find the information you need quickly and easily.
  • Expert advice: We offer expert advice and support to answer your questions and help you use the credit comparison effectively.

With, you have a reliable partner at your side to help you find the best loan for your needs and make informed financial decisions.