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

A personal loan can be an excellent solution to achieve personal goals, be it for an unexpected expense, a new car or the realization of a long-cherished dream. At we understand the importance of this decision. That’s why we offer you a detailed insight into the world of personal loans and show you the best personal loan in Switzerland for you personally in our personal loan comparison.

Personal loan

Calculate your personal loan with our personal loan calculator

Monthly installment:

Compare personal loans with – How it works

Credit calculator

1. calculate desired loan

The first step towards your personal loan starts with a simple but important question: How much do you need? You can calculate your requirements directly online at Simply enter the desired amount and term and our loan calculator will do the rest. You can also use the interest rate slider to work out which offers will lead to which monthly installment.

Credit inquiry

2. fill in and send off your credit application

Once you know your requirements, the next step is to complete the loan application. This process is completely online and only takes a few minutes. Your details will of course be treated confidentially and will be used to determine the best offers for you.

Credit comparison

3. we show you the best and most favorable credit offers

Based on your details, we will present you with a selection of loan offers tailored to your needs. Our comprehensive market overview and detailed comparisons ensure that you are only shown the best and most favorable personal loan options.

Loan disbursement

4. selection of the offer & disbursement of the loan amount

Your last to-do is to select the right offer for you. Once you have made your decision, we will arrange everything else so that the desired loan amount is paid out to you quickly and easily.

What is a personal loan? Basics and definitions

A personal loan, often also known as a consumer credit is a loan granted by banks or other financial institutions to private individuals and is regulated by the Consumer Credit Act (KKG).

>> Click here for our article: The KKG simply explained – Summary of the Swiss Consumer Credit Act

In Switzerland, personal loans are a popular financing option for various personal expenses. They are characterized by their flexibility in terms of loan amount and term as well as relatively simple application procedures. In contrast to earmarked loans such as mortgages (for real estate), you can dispose of the money freely with a personal loan. In the case of a mortgage, the money MUST be used for the property.

To further define the term “personal loan” , it should be noted that it is sometimes also understood to mean “loans FROM private individuals” – in other words, a loan without a bank. However, this understanding of the term is more common in Germany, whereas in Switzerland the definition described above (“loans FOR private individuals“) prevails.

Woman with camera on vacation at the beach

Personal loan Switzerland: market overview and provider comparison

The Swiss market for personal loans is diverse and offers numerous options. From large banks to specialized online providers, the choice can be overwhelming. This is where comes into play: We offer you a transparent overview of various loan providers and help you compare the conditions. So you won’t just find any loan, but the loan that suits you perfectly.

Personal loan calculator: Calculate your ideal loan

You can calculate your ideal loan quickly and easily with our personal loan calculator at Enter the desired amount and term and our tool will show you what monthly installments – depending on the interest rate – you can expect. This will help you get a feel for what fits your budget. You can also use the interest slider to run through various possible scenarios and offers. The interest rate you can ultimately get depends on your personal situation and the information you provide.

Best personal loan: How do I find the best offer?

The best personal loan is always the one that best suits your individual needs. In addition to favorable interest rates, other factors such as flexible repayment options, the amount of the possible loan amounts and the speed of payment are also important. Our experts at will help you assess these factors and find the best offer for your situation.

Cheap personal loans: tips for low interest rates and costs

One of the key factors when choosing a personal loan is the interest rate and therefore the cost of the loan. In order to find a favorable personal loan, we recommend that you compare offers thoroughly (we will be happy to do this for you – completely free of charge, of course).

A good credit score can also lead to a lower annual interest rate. Our comparison tool takes all these aspects into account to present you with the most favorable options. We only need a few details from you in our inquiry form.

Personal loan online: The digital way to a loan

Applying for a personal loan has never been as simple and straightforward as it is today. Thanks to the digital possibilities, you can carry out the entire process online – from the initial inquiry to the final loan approval. At you can submit your online loan application in just a few steps and receive a quick response. This not only saves you time, but also the trip to the bank.

Personal loan without a bank? – What do we make of this?

In addition to traditional banks, there are also offers for personal loans from non-banks or private individuals. This corresponds more closely to the alternative definition of personal loans mentioned above (“loans FROM private individuals“). Although these options may seem tempting, it is important to understand the risks , which we will discuss below:

  1. Lack of regulation and supervision: Unlike banks, which are strictly regulated and supervised, private lenders or non-banks may be subject to less stringent regulations. This can lead to a lack of transparency and security.
  2. Higher interest rates and unfavorable conditions: Private lenders or non-banks may have higher interest rates or unfavorable loan terms. This can significantly increase the total cost of the loan.
  3. Hidden fees: There may be hidden fees or costs that are not immediately apparent. This can make the loan more expensive than initially assumed.
  4. Credit check: Some private lenders may not carry out a thorough credit check, which can lead to over-indebtedness if the borrower is unable to meet repayments.
  5. Legal risks: In the event of problems with repayment or other disputes, it can be difficult to obtain legal help, as private loan agreements are often not subject to the same legal framework as bank loans.
  6. Fraud risk: There is a higher risk of encountering fraudulent offers or dubious lenders, not only in online environments, but also in traditional offline/analog environments.

For these reasons, it is important to stick to established and tested providers when choosing a loan, such as those offered on platforms like These credit providers are all regulated, transparent in their conditions and offer good consumer protection, for example:

  • good finance
  • Lend
  • Bob Finance
  • Migros Bank
  • Cashgate
  • and a few more… You can also find an overview of all partner banks on our homepage.

At, we value security and transparency and only broker offers from verified and reliable lenders.

FAQ: Frequently asked questions about personal loans

How high is the interest rate for a personal loan?

Unfortunately, you can’t say that across the board. The interest rates for personal loans in Switzerland vary depending on the provider, the loan amount, your personal financial situation and, last but not least the current market situation . Use our comparison tool to find the best current offers.

What does a personal loan currently cost?

The cost of a personal loan depends largely on the interest and any fees. Therefore, this question cannot be answered in general terms, but must always be considered individually. Our tools and experts will help you find a transparent and fair offer.

What is the maximum amount of a personal loan?

The amount of a personal loan depends on various factors, including your credit rating and income situation. In Switzerland, there are legal maximum limits which we at take into account in order to provide you with suitable offers. This is because the Federal Act against Unfair Competition (UWG) clearly states that the granting of credit is prohibited if it leads to over-indebtedness on the part of the consumer.

What do I need to consider with a personal loan?

Important aspects are interest rates, repayment terms and fees. The most important thing, however, is to make sure that you can afford the monthly installments of the personal loan.

What do you need for a personal loan?

To apply for a personal loan in Switzerland, you usually need a valid ID, proof of income and some information about your financial situation.

Is a personal loan taxable?

In Switzerland, the amount borrowed is not taxable. On the contrary: interest on personal loans is even tax-deductible.

The situation is different when we talk about the alternative definition of “personal loan” mentioned above, namely “loan from private individuals” (as opposed to the more common definition in Switzerland as “loan for private individuals“). If a private individual grants a loan, they generally have to pay tax on the interest income (i.e. the interest paid by the borrower).

Can someone lend me money privately?

Yes, personal loans are a possibility. However, it is important to record such agreements in writing and to be aware of the legal aspects and risks, which we have already discussed in detail above.

The advantages of personal loans: Why they’re a good choice

Personal loans offer a flexible financing solution for a variety of needs. They enable you to cover unexpected expenses, make larger purchases or even realize your dreams. The clear repayment plans and fixed interest rates offer clear financial planning. In addition, personal loans are often quicker and easier to obtain than other types of credit.

Criteria and requirements for granting a loan

The granting of a personal loan in Switzerland depends on various criteria, such as your creditworthiness, your income and your professional situation. It is important that you have a stable financial basis and no negative entries with the Central Office for Credit Information (ZEK). Our experts at will help you to understand and meet these requirements, as we can also actively help you to improve your credit rating.

Woman carefully checks credit documents

Personal loan for specific purposes: car, relocation, renovation, etc.

Whether you want to buy a new car, finance a move or renovate your home, a personal loan can be the solution. This flexibility makes the personal loan a popular financing instrument. With the help of our loan comparison you will find numerous specialized offers that are tailored to your individual needs:

Legal aspects: Legislation and consumer protection

In Switzerland, the granting of personal loans is subject to strict legal regulations that serve to protect consumers. These include provisions on maximum interest rates, creditworthiness checks and lenders’ information obligations. We at ensure that all offers meet these legal requirements.

Credit application: step-by-step instructions and necessary documents

The loan application process can seem complex at first, but don’t worry – we’ll guide you through it step by step. You will usually need a valid ID, proof of income and possibly a few other documents. Our online application process on makes it easy for you to provide all the necessary information when you apply for your loan. The days of lengthy and complicated loan applications are over with us!

Credit comparison for personal loans: what you should look out for

A thorough loan comparison is the key to choosing the right personal loan. Pay attention not only to the interest rates, but also to other factors such as fees, repayment flexibility and the speed of loan processing. At we make this comparison simple and clear for you so that you can make an informed decision.

We know from numerous customer feedbacks how important it is for (potential) borrowers to have an experienced and competent partner who can provide you with advice and support to ensure that taking out your personal loan is a complete success.

Understand and compare interest rates for personal loans

Loan interest rates are a decisive factor when choosing a personal loan. Interest costs are the main driver of the total cost of your loan. Our experts will explain to you how interest rates can be calculated and influenced and how you can get the best interest rates on the market. Compare the offers with to make sure you get a fair deal.

Tips for successful borrowing

Successfully taking out a loan means more than just finding the lowest interest rates. It’s also about making sure that the loan matches your financial circumstances and goals. We offer you tips on how to improve your credit rating, choose the right loan amount and negotiate the best conditions.

Dealing with credit rejection: causes and solutions

A loan rejection can be disheartening, but it’s important to understand that it doesn’t have to mean the end of the road. We will help you understand the reasons for a rejection and show you steps you can take to improve your chances when you apply for a loan again in the future.

Rescheduling or canceling a personal loan: Options and procedures

There may be situations in which you want to refinance an existing personal loan. We explain the best way to do this, including canceling the old loan and looking for cheaper alternatives.

Risks and pitfalls of personal loans: What to watch out for

While personal loans offer many benefits, it is also important to be aware of the potential risks. Loan amounts that are too high, unsuitable terms or additional costs or expenses in the private sector that have not been taken into account can lead to financial difficulties. At, we offer you comprehensive information and advice on how to avoid such pitfalls.

This is another reason why professional advice and support is so important when taking out your personal loan. You can contact us at any time by e-mail:

The role of creditworthiness and credit rating

Your creditworthiness plays a decisive role in the granting of a loan. It not only influences the likelihood of a loan approval, but also the conditions of your loan. We explain how you can assess and improve your creditworthiness in order to obtain better credit terms.

The influence of income and employment status on personal loans

Your income and employment status are important factors that lenders consider when deciding on your personal loan application. We explain how these factors influence your credit options and how you can use them to your advantage.

Credit advice: Expert tips for your credit decision

We can only say it again and again: A well-founded credit decision requires comprehensive knowledge, experience and understanding of the various aspects of personal loans. It is normal that the average person, who only rarely deals with this particular topic, does not have the necessary knowledge and wealth of experience to arrive at an optimal solution.

Our experts at are always happy to provide you with advice and assistance to ensure you make the best possible decision. And it’s completely free of charge for you!

Summary: The way to the optimal personal loan is via

In summary, choosing the right personal loan requires careful consideration and planning. With the right information, tools and advice, as offered on, you can find the personal loan that best suits your needs and financial expectations & possibilities.