Consumer credit comparison: The best & cheapest consumer credit in Switzerland – Calculate and request directly online

Are you looking for a consumer loan that suits your needs exactly? Then is the right place for you. Whether you want to finance a new car, renew your home furnishings or fulfill a long-cherished dream – we are here to help you. With our user-friendly online service, you can easily calculate your desired loan, compare offers and apply directly online. Start now and discover how easy it is to find the best consumer loan in Switzerland .

Consumer credit

Calculate your consumer credit with our consumer credit calculator

Monthly installment:

Compare consumer loans with – How it works

Credit calculator

1. calculate desired loan

The first step towards your dream loan starts with our simple online calculation. Simply enter the desired loan amount and term in our loan calculator. Our system then shows you the resulting monthly installment in real time, depending on the interest rate. We will then later secure the best interest rate for you by comparing various Swiss credit institutions in order to present you with the best conditions.

Credit inquiry

2. submit a non-binding loan application

As soon as you have calculated your ideal loan amount, fill out our convenient and non-binding online application form. This step is straightforward and only requires a few details about yourself and your financial situation. Your data will of course be treated confidentially and will only be used to determine the best credit offer for you.

Credit comparison

3. be presented with the best and most favorable offers

Once your request has been received, you will receive a selection of the cheapest and best loan offers tailored to your individual needs. We present you with a clear comparison list that allows you to compare the offers in terms of interest rate, term and other important criteria.

Loan disbursement

4. you choose a loan offer & get the money paid out

The last step is to select your preferred offer. Once you have decided on an offer, we will initiate the loan disbursement process. After approval by the lender, you sign the loan agreement and receive the loan amount quickly and easily directly into your account so that you can access the funds immediately.

Everything you need to know about consumer credit

Definition and basics of consumer credit

Vacation paradise

A consumer loan, often referred to as a consumer credit, is a loan that is usually used for private expenses such as vehicle purchases, vacation trips or renovations. In Switzerland, consumer loans are characterized by clear and understandable contractual conditions. The amount of these loans varies, based on the individual needs and financial creditworthiness of the borrower.

Advantages and disadvantages of a consumer loan


  • Fulfillment of wishes: You only live once. If you want to afford very special purchases or experiences, a consumer loan can be a door opener.
  • Flexibility: You can use the loan for a wide variety of needs.
  • Predictability: Fixed installments make financial planning easier.
  • Fast availability: The loan amount is often paid out quickly after approval.


  • Interest charges: Loans are associated with interest that accrues over the term of the loan.
  • Debt risk: Careless borrowing can lead to financial strain.

Understanding the Consumer Credit Act in Switzerland

The Swiss Consumer Credit Act (KKG) is a federal law that lays down strict guidelines for the granting of consumer credit. It protects borrowers from over-indebtedness and ensures transparency in loan agreements. Important aspects of the law include interest rate caps, the obligation to check creditworthiness and the right to early loan repayment without additional costs.

Difference between consumer credit and other types of credit

Consumer loans differ from other types of loans such as mortgages or corporate loans mainly by their intended use and conditions. While mortgages are used to buy property and usually have a longer term, consumer loans are intended for short to medium-term private expenditure.

Find cheap consumer loans: The best comparison

How to find the cheapest loan: Tips and tricks

To find the most favorable consumer loan, it is important to consider the following aspects:

  1. Compare different offers: Use our service at to compare offers from different providers.
  2. Pay attention to the interest rate: In Switzerland, the interest rate plays the decisive role because it includes all the costs of the loan. In other countries, additional fees may apply.
  3. Take your personal financial situation into account: choose a loan that fits your monthly budget.

Sample calculations for various consumer credit amounts

Here are some sample calculations for consumer loans to illustrate how different loan amounts and terms can affect your monthly installments:

  1. Loan of CHF 10,000 with a term of 12 months
    • Assumed annual interest rate: 4.5%
    • Monthly installment: CHF 853.79
    • Total interest over 12 months: CHF 245.48
    • Total amount to be repaid: CHF 10,245.48
  2. Loan of CHF 20,000 with a term of 24 months
    • Assumed annual interest rate: 4.5%
    • Monthly installment: CHF 872.96
    • Total interest over 24 months: CHF 951.04
    • Total amount to be repaid: CHF 20,951.04
  3. Loan of CHF 30,000 with a term of 36 months
    • Assumed annual interest rate: 4.5%
    • Monthly installment: CHF 892.41
    • Total interest over 36 months: CHF 2,126.76
    • Total amount to be repaid: CHF 32,126.76

These examples show that the total interest burden rises with increasing loan amounts and longer terms. When planning a loan, it is important that you not only keep an eye on the monthly installments, but also on the total interest. With tools such as our loan calculator, you can run through various scenarios and find the loan that best suits your financial situation.

The role of the IKO (Consumer Credit Information Office)

The IKO is a central information point in Switzerland that provides important information on consumer credit. It maintains a database to which banks have access in order to fulfill their obligations to check creditworthiness under the KKG before granting a loan.

Online consumer credit vs. traditional bank loans

Online consumer loans offer numerous advantages over traditional bank loans:

  • Faster processing times
  • Simpler application process
  • More flexibility and often more favorable conditions thanks to nationwide comparison

The practical side: Apply for a consumer loan online

Step-by-step guide to the online loan application

Applying for a consumer loan online is quick and easy. Here is a short guide:

  1. Visit our website: Start at .
  2. Choose your loan amount and term: Use our online loan calculator for an initial estimate.
  3. Fill out the online form: Enter your personal and financial information.
  4. Submit your request: After submitting your request, we will check your details and arrange everything else.

Required documents and prerequisites

You usually need the following documents to apply for a loan:

  • Identification document: Valid passport or ID card.
  • Proof of income: Pay slips for the last few months.
  • Proof of residence: Current residential address in Switzerland.

What happens after the loan application?

After you have submitted your application, a credit check will be carried out. If your evaluation is positive, you will receive loan offers that you can compare at your leisure. After selecting an offer and completing all the formalities, the loan amount will be transferred to your account.

Credit protection and protective measures for borrowers

In Switzerland, you have the option of insuring your consumer credit with installment insurance. In the event of incapacity to work or unemployment, your installments will then be covered.

FAQ: Frequently asked questions about consumer credit

What is a consumer loan?

Expensive home furnishings

A consumer loan in Switzerland is a loan that is made available to consumers to purchase or finance goods or services for consumption, such as cars, furniture or vacation trips. In contrast to earmarked loans, consumer credit offers flexibility as you can use the loan amount as you wish.

How high can a consumer loan be?

The amount of a consumer loan depends on your financial situation and your creditworthiness. Lenders carry out a comprehensive credit check to ensure that the loan amount is in line with your financial means. This serves to protect both you and the credit institutions. In the case of rather low consumer loans (less than CHF 5,000), these are sometimes also issued as cash loans.

What is regulated in the Consumer Credit Act?

The Swiss Consumer Credit Act regulates the granting and administration of consumer credit. It protects borrowers from over-indebtedness by stipulating, among other things, the maximum interest rate and the obligation to check creditworthiness. In addition, borrowers have the right to repay the loan early at any time, even without paying early repayment penalties.

Tips for responsible borrowing

  1. Determine your needs: Calculate exactly how much money you need to avoid unnecessary interest.
  2. Compare offers: Use to compare different loan offers and find the best one for your needs.
  3. Read the small print: understand all the terms and conditions in your contract, including interest rates and repayment terms.
  4. Plan your repayments: Make sure that you can repay the loan amount on time and without financial strain. You should also allow some leeway in your monthly budget.

Insights into the credit landscape in Switzerland

The current credit market in Switzerland

The credit landscape in Switzerland is diverse and offers numerous options for borrowers. Our online loan comparison portal makes it even easier to find a suitable loan. We make it possible to determine the best conditions quickly and efficiently.

Personal loans vs. consumer loans: a comparison

While a personal loan can generally be used for all kinds of personal purposes, consumer loans are specifically intended for the purchase of consumer goods by consumers. However, this is almost more of a conceptual difference than a difference in content. Both types of credit offer flexibility and do not include any hidden fees in Switzerland.

Trends and developments in the credit sector

Digital processes and online loan comparisons are gaining in importance. Loan comparison portals allow borrowers to compare different options from the comfort of their own home, improving the transparency and accessibility of loans. The physical trip to the bank is hardly necessary anymore, especially since you only get one offer there and therefore have no comparison.

How we can help you as a loan comparison portal

We offer you:

  • Clarity: All relevant offers at a glance.
  • Time saving: Quick comparison of different loan offers.
  • Optimized conditions: Find the most favorable interest rate according to your personal situation.

Simply contact us via or use our inquiry form via the button:

Tips for the intelligent use of credit

How to use consumer credit for your financial goals

Consumer credit can be an effective means of achieving short-term financial goals. It is important that you use the loan according to your financial planning and possibilities.

Debt restructuring: consumer credit for debt consolidation

Debt restructuring can help you to replace existing debts with a single, often more favorable loan. This simplifies repayment and can reduce the overall costs.

Avoidance of over-indebtedness: Important information

  • Budget planning: Make sure that your monthly repayments do not exceed your budget.
  • Beware of multiple debts: Avoid taking out several loans at the same time.
  • Early advice: Seek advice at an early stage if you have financial difficulties.

Avoid risks and pitfalls with consumer credit

Watch out for excessive interest rates and unrealistic repayment plans. Inform yourself thoroughly before concluding a consumer credit agreement and use our comparison service to find the best offers.