Apply for a loan in Switzerland – it’s easy with us online!

Are you looking for a tailor-made loan that perfectly suits your needs and possibilities? Then is the right place for you. We not only tell you everything you need to know about applying for a loan in Switzerland, from the basics to insider tips. We also make the loan application process itself simple and transparent for you online.

Apply for a loan

Do you want to apply for a loan? – Calculate the conditions beforehand!

Monthly installment:

Apply for a Swiss loan online at – How it works

Credit calculator

1. calculate desired loan

At, your path to the ideal loan begins with our user-friendly online calculator. Simply enter the desired loan amount and term and our calculator will determine the possible conditions for you. This step gives you a clear idea of what is financially possible and how the repayments will work out. You can also use the interest rate slider to run through various interest rate scenarios and see how they would affect your monthly installment. If you submit your loan application through us in the next step, our comparison experts will ensure that you get the best possible interest rate in Switzerland for your specific situation.

Credit inquiry

2. fill in and send off your credit application

Once you have calculated your desired loan, the next step is to complete our simple and non-binding online application. This process is uncomplicated and secure. You provide basic information about yourself and your financial situation so that we can find the best loan options for you.

Credit comparison

3. we show you the best and cheapest offers

As soon as we receive your request, we get to work to present you with the best and most favorable loan offers. We compare offers from various lenders in Switzerland, taking into account your individual requirements and circumstances.

Loan disbursement

4. you select your favorite loan offer and receive the desired loan amount

The final step is to select the most suitable loan offer for you. Once you have made your decision, the loan application will be finalized and the desired loan amount will be paid out to you after the statutory withdrawal period (14 days) has expired, as soon as the credit decision has been positive. With us, the entire process is transparent, so you always know where you stand and what needs to be done next.

Basics: What you should know about loans in Switzerland

Understanding different types of credit in Switzerland

Signing a loan application

There are various types of credit in Switzerland, which differ in terms of their structure and conditions. The most common include personal loan the car loan for the purchase of a new car and the real estate loan . But also student loans for studies or further education are also becoming increasingly popular. Each of these loan types is tailored to specific needs and has its own advantages. Here at we help you to find the loan that exactly meets your requirements.

How creditworthiness is assessed in Switzerland

Assessing your creditworthiness is a crucial step in the loan application process. In Switzerland, this is determined on the basis of your financial history, your current financial situation and your ability to pay by the ZEK (Central Office for Credit Information) with the help of the so-called credit score. We at offer you support to present your creditworthiness in the best possible way and increase your chances of being approved for a loan.

Legal framework for loans in Switzerland

Switzerland has specific laws and regulations on lending that serve to protect borrowers. One of the most important features is that all costs are included in the interest rate, so there are no hidden fees. In addition, borrowers have the right to repay the loan early at any time and lending is prohibited if it would otherwise lead to over-indebtedness. We will provide you with comprehensive information about these and other legal provisions so that you can approach your loan project in a secure and informed manner.

Requirements for applying for a loan in Switzerland

Required documents and information

To apply for a loan in Switzerland, you need certain documents and information. These include:

  1. Valid proof of identity (e.g. identity card or passport)
  2. Proof of regular income (e.g. payslips)
  3. Information on existing financial obligations

These documents help lenders to assess your financial situation and ensure that you can meet the repayments.

Minimum age and proof of income

In Switzerland, borrowers must be at least 18 years old. In addition, a regular income is an important factor when granting a loan. There are minimum income requirements, but these can vary depending on the lender and loan amount.

Credit check: What you need to know

The credit check is an essential part of the loan application process. It is used to assess your creditworthiness. As described above, this is done in Switzerland taking into account various factors, such as your credit history and your current financial situation. An improved credit rating increases your chances of obtaining favorable credit terms.

Online credit in Switzerland: everything you need to know

The online loan application process

Apply for a loan online

The option of an online loan application offers a quick and convenient way to apply for a loan in Switzerland. The process comprises the following steps:

  1. Select the loan amount and term on the website.
  2. Fill out the online application form with personal and financial information.
  3. Submit the application and wait for the provisional credit decision.

This process allows you to get a quick and easy quote for a loan without having to visit a physical bank. You don’t even have to visit a banking website such as Bank-now, as gives you access to offers from numerous potential lenders on a single platform.

Tips for a secure and affordable online loan

To get a secure and cheap online loan in Switzerland, you should follow these tips:

  • Compare offers: Use to compare different loan offers and find the best one for your needs.
  • Read the small print: Pay attention to the terms of the loan, including interest rates and repayment terms.
  • Take your financial situation into account: choose a loan amount and term that suit your financial situation.

Check the reliability of online loan providers

It is important to check the reliability of online loan providers before deciding on a loan. Pay attention to the following points:

  • Licensing and regulation: Make sure that the provider is licensed and regulated in Switzerland.
  • Customer reviews and experiences: Read testimonials from other customers to assess the reliability and service of the provider.
  • Transparency: A reputable provider is transparent with regard to conditions, interest rates and fees.

If you make your request through us, you don’t need to worry about these things: We only work with reputable long-term partner banks and lenders. If you would like to find out more, simply write to us at our e-mail address – we will get back to you as soon as possible during our office hours from Mon-Fri between 9 am and 6 pm.

Applying for a loan in special situations

Loans for the self-employed and freelancers

The self-employed and freelancers often face particular challenges when it comes to applying for a loan in Switzerland. Here are some key aspects to consider:

  • Proof of stable income: Self-employed persons often have to provide more extensive documentation of their income than employees.
  • Higher risk : Due to their variable income, some lenders classify the self-employed as a higher risk.
  • Individual advice: It is advisable to take advantage of individual advice to find the best loan options for your specific situation.

Debt restructuring and loan repayment: options and advantages

Debt restructuring or repayment of existing loans can be an effective way to improve your financial situation and is a frequent reason for loan applications. Here are the advantages:

  • Lower interest rates: You can benefit from lower interest rates by rescheduling your debt.
  • Simplification of finances: Several loans can be combined into a single loan, which makes administration easier.
  • Flexible repayment: In Switzerland, borrowers have the right to repay loans early at any time. This allows you to reschedule/repay your loan virtually free of charge. In other countries, such as Germany, this would not be as flexible, as lenders/banks would be entitled to early repayment penalties if a loan was repaid early.

Loans without a ZEK check: options and risks

In Switzerland, it is generally possible – under certain conditions – to obtain loans without a ZEK (Credit Information Office) check. This option can be used for people with negative ZEK codes may be advantageous. However, you should note the following points:

  • Higher interest rates: Such loans often have higher interest rates due to the increased risk.
  • Check seriousness: It is particularly important to carefully check the seriousness of the lender.
  • Act responsibly: Think carefully about whether a loan without a ZEK check is the best solution for your financial situation.

FAQ: Frequently asked questions about applying for a loan

How quickly can I get the loan?

The speed at which you receive the loan depends on various factors, including the speed of document transmission and the efficiency of the lender. As a rule, you can expect

  • Quick provisional decision: You will often receive a provisional decision within a few hours.
  • Final approval and disbursement: After complete document review and final approval, the loan amount can usually be transferred to your account within a few days. However, the statutory withdrawal period of 14 days must also be taken into account when taking out a personal loan.

Can I repay a loan early?

Yes, in Switzerland borrowers have the right to repay their loan early at any time. This gives you the flexibility to reduce your debt if you have additional funds. There are no additional fees, which makes early repayment particularly attractive.

What happens if I have problems with the repayment?

If you are having difficulty repaying your loan, it is important to get in touch with your lender as soon as possible. Possible solutions could be

  • Adjustment of repayment terms: Lenders are often willing to adjust repayment terms to help you.
  • Advice and support: There are also advice services that can help you manage your finances and find solutions to your debt problems.

Can I apply for a loan in Switzerland as a foreigner?

Foreigners in Switzerland can apply for loans under certain conditions. Important are:

  • Valid residence permit: You must have a valid residence permit, typically a B, C or L permit.
  • Proof of regular income: As with Swiss citizens, proof of a stable income is also required for foreigners.

Can I apply for a loan without a credit check?

Yes, you can apply for a loan with us without a credit check being carried out directly. However, it may still be necessary later on, as this depends on the conditions of the various lending institutions.

Can I apply for a loan with debt collection?

Yes, you can also take out a loan with debt enforcement if you have or have had debt enforcement proceedings. The only difference is that the process of arranging a loan can then become somewhat more complex. Nevertheless, we will do our best to help you get the loan you want.

Conclusion: Finding the right loan in Switzerland

The importance of a good loan comparison

Finding and applying for the right loan in Switzerland is more than just a question of numbers. A good and comprehensive online loan comparison from experts like those here at is essential to find the best offer. Here are the advantages of our loan comparison:

  • Overview of different offers: You get a clear and comparative overview of interest rates, conditions and features of different loans.
  • Customized recommendations: Based on your individual needs and financial circumstances, you can select the optimal offer.
  • Time and cost savings: An effective comparison saves you time and ultimately money by helping you find the most favorable loan.

Tips for a successful loan application

To increase your chances of a successful loan application, follow these tips:

  1. Be honest and accurate in your information: Complete and correct information is crucial for a quick and positive credit decision.
  2. Check your creditworthiness: A good credit score improves your chances of obtaining favorable conditions.
  3. Plan realistically: choose a loan amount and term that suit your financial situation to avoid future financial difficulties.

At, we strive to guide you through the entire process and ensure that you make an informed decision. Our aim is not only to provide you with a loan, but also to give you the knowledge and tools to make the best choice for your individual situation.