Car loan comparison: The best & cheapest car financing in Switzerland – Calculate and request directly online

If you dream of a new car, you know that financing is a crucial step on the way to fulfilling that dream. A car loan can be your ticket to your dream car, and we at are here to make sure you find the best car loan in Switzerland with our comparison.

Car loan

Calculate your car loan with our car loan calculator

Monthly installment:

Compare car loans with – How it works

The path to your desired loan is simple and straightforward. At we offer you a transparent and user-friendly platform to find the best car loan in Switzerland. Here’s how it works:

Credit calculator

1. calculate desired loan

First, you can use our online car loan calculator to determine your requirements. Simply enter the desired loan amount and term, and our calculator will show you the monthly installment and the total loan amount including interest.

Credit inquiry

2. fill in and send off your credit application

Once you have determined your requirements, you can fill out and submit a non-binding loan application directly online on our website. Filling out the form only takes a few minutes and is of course SSL-encrypted to protect your data.

Credit comparison

3. we show you the best and cheapest offers

As soon as we have received your request, we compare the offers from our partner banks and show you the best and most favorable car loan offers. This means you have all the important information at a glance and can select the right offer for you.

Loan disbursement

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

Choose the offer that best suits your needs and conclude the loan agreement. After the final check and approval by the bank, the money will be transferred to your account immediately. This allows you to purchase a car quickly and easily and enjoy the financial flexibility that a car loan offers.

Advantages of a car loan

A car loan is a popular and practical way to finance the purchase of a new or used car. There are numerous reasons why car buyers opt for this financing method. Below are some of the main advantages that a car loan offers over other financing methods.

Dream car

Car loan versus cash payment

Paying cash can often bring discounts and savings, but it also ties up a lot of your capital that could potentially be put to better use elsewhere. In contrast, a car loan allows you to spread the cost over a longer period of time, reducing your initial outlay and giving you more financial flexibility.

Car loan versus leasing

While leasing can sometimes offer lower monthly payments, a car loan gives you ownership of the vehicle, which may offer you more benefits in the long run. Unlike leasing, you have the freedom to modify the car as you wish and there are no mileage restrictions as with most leasing contracts.

If you want to part with the car later, you can collect the sale price and have effectively only paid the loss in value of the car plus the interest. Leasing installments, on the other hand, would be “lost”.

When does a car loan make sense?

A car loan is particularly useful if you plan to keep the vehicle for a longer period of time and want to have full ownership of the car. It is also a good choice if you prefer transparent financing with fixed monthly installments and a fixed interest rate.

The cost of a car loan

The cost of a car loan can vary depending on the provider, your credit rating and the term of the loan. It is important to compare offers from different banks in order to obtain the best conditions. At, we offer you a comprehensive comparison of the best car loan offers in Switzerland so that you can make an informed decision.

Car loan comparison: find the best offers

There are many banks and financial institutions in Switzerland that offer car loans. A comparison is essential to find the best offer. With our online loan comparison for Switzerland we help you to find the best car loan for your needs.

Car loan calculator: determine your needs

Before you apply for a car loan, it is important to determine your needs. With our car loan calculator, you can quickly and easily find out how much you can afford and which monthly installment suits you best.

The best car loan providers in Switzerland

We work with the most renowned banks and financial institutions in Switzerland to present you with the best car loan offers. Our partners offer attractive interest rates, flexible terms and a quick credit decision.

Best car loan: Our ranking

Our ranking is based on various criteria such as interest rates, customer satisfaction and flexibility of credit terms. We present you with a list of the best car loan providers in Switzerland, personalized to you and your personal conditions, to make your decision easier.

Cheaper car loans: how to save costs

A cheap car loan can help you save costs. A low and fixed interest rate, flexible terms and lean lender cost structures are some of the factors that can make a car loan favorable. Compare the offers and find the best and cheapest car loan for your needs.

The requirements and conditions for a car loan in Switzerland

If you would like to apply for a car loan in Switzerland, there are certain requirements and conditions that you must meet. The exact terms may vary from bank to bank, but here are some general guidelines:

Signing a loan

Formalities and documents

To apply for a car loan, you usually need the following documents:

  • A valid identity card or passport
  • The last three payslips
  • A current proof of residence
  • For foreign nationals: A valid residence permit

Credit check for the car loan

The banks carry out a credit check to assess your creditworthiness. They look at your income and spending situation, previous credit history and other financial commitments to decide whether you are eligible for a car loan and what terms they can offer you.

How your credit rating influences the interest rate

Your credit rating also has a major influence on the interest rate you receive for your car loan. The better your credit rating, the lower the interest rate usually is, as the risk for the bank decreases. It is therefore worth checking your credit rating before applying for a car loan and correcting any errors in your credit report. We are happy to help you, improve your credit rating .

Questions about creditworthiness and car loans

It’s normal to have questions when it comes to your credit rating and applying for a car loan. Below we provide comprehensive information and answer any questions that may arise to make the process as simple and transparent as possible for you.

FAQ: Frequently asked questions about car loans

Car loans can raise some questions, especially if you are applying for one for the first time. Below we have compiled and answered some of the most frequently asked questions to help you make an informed decision.

Which bank is the best for a car loan?

The “best” bank for a car loan can vary depending on your personal circumstances and the specific loan offers. This is precisely why it is advisable to use our service to compare offers from several banks in order to find the best solution for you.

What is a good interest rate for a car loan?

A good interest rate on a car loan depends on various factors, including your credit rating and current market interest rates. In general, a range of approx. 4% to over 10% can be assumed. Our comparison of offers can help you get a feel for the current interest rates.

How sensible is it to finance a car?

Financing a car can make sense if you cannot or do not want to pay the full purchase price immediately. A car loan allows you to get the car immediately and repay the amount over a fixed term.

How much does a car loan cost?

The cost of a car loan is made up of the interest rate and the term. Our loan calculator will help you to estimate the total cost of the loan.

Is a car loan cheaper than a normal loan?

Car loans can be cheaper than normal loans as they often have lower interest rates because the car serves as collateral.

Which bank has the cheapest car loans?

The bank with the cheapest car loans can vary depending on the current offers. Our comparison of several banks must therefore always be personalized and updated on a daily basis. This will help you to find the most favorable offer for you.

How much (maximum) should you spend per month on a car loan?

The maximum monthly installment for a car loan depends on the amount of your income, expenses and assets. As a rule of thumb, no more than 15% of the available salary should be spent on the car. Ultimately, however, this is an individual question.

Will car loans become cheaper again?

Interest rates for car loans can change with general market conditions. It is therefore difficult to predict if and when interest rates will fall again. However, it is quite possible that interest rates for car loans will fall again.

How long should you pay off a car?

The ideal term for a car loan depends on your financial situation. Shorter terms mean higher monthly installments, but less interest to be paid over the term of the loan. In consultation with our experts, we can develop a plan tailored to your individual needs.

How many people finance your car?

The exact data on how many people finance their car is difficult to collect. However, it is assumed that over 50% of car purchases are financed by credit.

Car loan or leasing?

The decision between a car loan and leasing depends on your personal preferences and circumstances. A car loan allows you to own the car, while leasing often has lower monthly payments but does not offer ownership.

Is a car loan tax-deductible?

Yes, you can deduct the interest paid on the car loan from your annual taxes. In Switzerland, interest on loans (including car loans) is tax-deductible up to an amount of CHF 50,000.

Is fully comprehensive insurance compulsory for the granting of a car loan?

No, comprehensive insurance is not compulsory for the vast majority of lenders. Nevertheless, it can make sense depending on the value or age of the car.

Can you get a car loan despite a poor credit rating?

It can be more difficult to get a car loan with a bad credit rating, but there are some banks and financial institutions that offer car loans for people with less than perfect credit. In these cases, however, higher interest rates must be expected in order to take account of the bank’s increased risk. In any case, it makes sense to check your credit rating in advance and improve it in a targeted manner.

If you have any further questions, please do not hesitate to contact us via by e-mail.

Applying for a car loan: the process

After you have – possibly through research in the car trade press – have found the right vehicle model for you, the process of applying for a car loan is simple and straightforward. Here are the steps you will go through to get the personal loan you want for the purpose of buying a car:

Step by step to a car loan

  1. Determine your credit requirements: Think about how much you need and what you can afford.
  2. Compare offers: Use our comparison service on to find the best offers.
  3. Prepare documents: Compile all the necessary documents to speed up the application process.
  4. Disbursement: Once all the documents have been submitted and successfully checked, the quick disbursement of your loan request nothing more stands in the way.

Online application and contract signing

The entire application process can be completed online, making things quick and easy. After you have submitted your application, we will check your documents and contact you to prepare for the signing of the contract. You will usually receive an answer within a few hours.

What you should look out for

Before applying for a car loan, make sure you fully understand the terms of the loan and that the monthly payments fit into your budget. Also make sure that you do not have any outstanding financial obligations that could affect your credit rating.

Tips for successful loan approval

  • Good credit rating: A good credit rating increases your chances of loan approval and better interest rates.
  • Complete documentation: Make sure that you submit all required documents and that they are up-to-date and correct.
  • Realistic loan amount: Apply for a loan amount that meets your needs and that you can afford to repay.

Extra tips for your car loan

A car loan is often a major financial commitment. It is therefore important to be well informed and make smart decisions. Here are some additional tips that can help you get the most out of your car loan.

How to choose the right term

The term of your car loan affects both your monthly payments and the total cost of the loan. A longer term means lower monthly payments, but higher overall costs due to interest. A shorter term means higher monthly payments but lower overall costs. Think about what works best for your financial situation.

Residual debt insurance: yes or no?

Residual debt insurance covers the remaining debt on your car loan if you become unable to work or die before the loan is paid off. Consider whether this additional cover makes sense for you and understand the costs and conditions.

How you can benefit from unscheduled repayments

In Switzerland, special repayments, which allow you to pay off your car loan more quickly, are possible at any time. This can help you to reduce the overall cost of the loan if you ever have excess liquidity available.

Repay your car loan early: What you should know

Repaying your car loan early can also help you save on interest costs. In Switzerland it is permitted at any time according to the KKG to repay a loan at any time without paying early repayment penalties or similar.