Rental deposit loan comparison: The best & cheapest financing for your rental deposit in Switzerland – Calculate and request directly online

Are you looking for a simple solution for your rental deposit? We are your ideal partner for finding the right rental deposit loan in Switzerland quickly and easily. We offer you a user-friendly platform that leads you directly to the best loan offers. With us, you not only save time and effort in your search for a loan that exactly matches your financial needs, but also money in the end. Start now and secure your dream apartment with the best rental deposit loan in Switzerland!

Rent deposit loan

Calculate your rental deposit loan with our rental deposit loan calculator

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Compare rental deposit loans with – How it works

Credit calculator

1. calculate desired loan

Whether you’re dreaming of a cozy apartment in Zurich or a charming house in Lucerne, the first step towards your rental deposit loan starts with calculating your desired loan. On you can simply enter the amount you need and the desired term. Our smart online calculator technology gives you an instant overview of possible loan options, tailored to your individual needs.

Credit inquiry

2. fill in and send off your credit application

As soon as you know your ideal loan amount, you can continue by completing the loan application. Our user-friendly online form will guide you through every step. This is where you enter your personal and financial information, all in accordance with Switzerland’s strict data protection guidelines, of course. Simple, fast and secure.

Credit comparison

3. we show you the best and cheapest offers

With the information you provide, our system searches for the best loan offers. We present you with a selection of favorable and trustworthy credit options. With us, you will find transparent offers that are precisely tailored to your needs and possibilities.

Loan disbursement

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

The last step is to select your preferred offer. Once you have made your choice, we will take care of the rest. The desired amount is paid out quickly and easily so that you can pay your deposit without delay. The path to your new home can be that easy!

Basics of the rental deposit loan: Everything you need to know

What is a rental deposit loan and how does it work?

A rental deposit loan is a practical solution for financing your rental deposit without raiding your savings account. Instead of having to spend the full deposit amount at once, you receive a loan that you can pay back in convenient installments. This gives you financial flexibility and makes it easier for you to move into your dream rental apartment, while the landlord can be sure of a financial cushion for any repairs. This lays the foundation for a mutually trusting tenancy.

Advantages and disadvantages: Why a rental deposit loan can make sense

Couple moving into a new apartment


  • Preserving liquidity: You do not have to fall back on large savings and can use them instead for new furniture in the property or for a removal company.
  • Flexibility: Adjust the loan amount and term to suit your needs.
  • Simple process: Fast and uncomplicated loan approval.


  • Interest payments: As with any loan, interest is payable.
  • Credit obligation: Regular repayment is required.

The legal basis in Switzerland

In Switzerland, the conditions for rental deposit loans – as for any personal loan – are clearly regulated. It is important to know that there are no other fees apart from the interest rate. In addition, borrowers resident in Switzerland always have the right to repay the loan early.

The role of a security deposit loan compared to rental deposit insurance

While a rental deposit loan offers direct liquidity, rental deposit insurance is a kind of guarantee to the landlord. Insurance can be more expensive and does not offer the same financial flexibility as a loan. Furthermore, it is by no means the case that the tenant is insured against any damage to the rented property, as the name might suggest. Although the insurance company pays out money to the landlord in the amount of the damage incurred, the insurance company then recovers this from the tenant afterwards. This means that, in addition to the insurance premiums, they must also maintain a budget or reserves for the event of a claim. In this respect, rental deposit insurance is more like interest paid in return for being allowed to keep the cash (at the start of the tenancy). However, these costs can also become very high over time, especially with a long rental period.

Comparison: surety loan vs. surety insurance

The following points should be considered when deciding between a security deposit loan and security deposit insurance:

  • Costs: Surety loans can be cheaper if the term and interest rate are favorable.
  • Availability: Surety insurance is sometimes quicker to obtain, but often charges higher fees.

Find the best rental deposit loans online: A comparison

How to find the best and cheapest loan

Finding the ideal rental deposit loan can be a challenge. But with the right tools and information, it’s child’s play. At we offer you a comprehensive comprehensive comparison of the best loans in Switzerland. Compare interest rates, terms and conditions easily and conveniently to find the offer that suits you perfectly.

Online calculator: efficiently calculate and compare rental deposit loans

Our online calculator is your personal financial assistant. Simply enter the desired loan amount and term, and the calculator will show you clearly and simply which interest rates lead to which monthly installments.

Credit options for rental deposits: What you should look out for

  • Interest rate: With us at your side, you will get the most favorable interest rates that suit your financial situation.
  • Term: Choose a term that makes your regular monthly payments affordable.
  • Flexibility: In Switzerland, special payments can be made at any time.

The online loan application process for your rental deposit: explained step by step

  1. Enter your personal data: Fill out the online form with your personal and financial information.
  2. Compare loan offers: Evaluate the different offers we present to you based on interest rate and term.
  3. Provide application documents: Select the best offer and submit your documents online.
  4. Approval and disbursement: Once approved, the home loan is disbursed directly.

Financial aspects of the rental deposit loan: Interest and costs

Interest and fees: What does a rental deposit loan cost?

In Switzerland, the costs for rental deposit loans are transparent. The interest rate is the key indicator for the credit costs, as there are no additional fees. This interest rate varies depending on the provider and your credit rating. You can use to find the best offer for your rental deposit financing.

Sample calculations: Costs in direct comparison

Let’s look at a practical example: Suppose you need a loan of CHF 3,000 for your rental deposit with a term of 12 months. At an interest rate of 4.5%, this would mean a monthly loan installment of around CHF 256 and a total interest payment of approximately CHF 74.

In this example, if the term were 24 months instead of just 12, the monthly installment would only be CHF 131, but the total interest to be paid over the term would add up to CHF 143, so that a total of CHF 3,143 would be repaid instead of just CHF 3,074 in the 12-month example.

Tips for cost-effective financing of your rental security

  • Compare offers: Use our service to get a good overview before you finance your rental deposit.
  • Negotiate the interest rate: We will support you with all our experience when dealing with lenders. Sometimes it is possible to get better conditions.
  • Give preference to short terms: This can significantly reduce the total interest costs.

Long-term financial impact of a rental deposit loan

It is important to consider the long-term effects of a rental deposit loan. A well-chosen loan can be a short-term solution without compromising your long-term financial stability. Paying the monthly installments must not become too much of a burden.

FAQ: Frequently asked questions about rent deposit loans

Is it possible to borrow the deposit?

Yes, in Switzerland it is common to borrow the security deposit via a rental deposit credit. This offers a practical solution for paying the deposit without immediate liquidity.

How high can a deposit be in Switzerland?

The amount of the deposit is limited by law and may generally amount to a maximum of three months’ rent .

Can I pay a deposit in installments?

Yes, some landlords offer to pay the deposit step by step, for example always together with the rent. If your landlord does not allow this, you can still effectively pay the deposit in convenient monthly installments with a rental deposit loan.

How much interest is there on a rental deposit account?

Interest rates vary greatly here. The interest rate offered by the landlord’s account-holding bank is decisive. The tenant is entitled to this interest income.

How much time do I have to pay the deposit?

The payment deadline for the deposit is usually specified in the tenancy agreement. The deposit is often due before moving in.

How long can the landlord retain the deposit?

In Switzerland, the landlord may retain the deposit until all outstanding claims have been settled, but normally no longer than one year after the end of the tenancy.

Additional options for rental deposits in Switzerland

Key to the new rental apartment

Deposit guarantee: an alternative to the classic loan

In addition to the rental deposit loan, there is also the option of a deposit guarantee. In this case, a guarantee company assumes the deposit amount from the landlord. The tenant incurs guarantee fees, but does not have to pay the deposit directly. This option is particularly useful if you need a solution quickly or want to protect your liquidity.

Mietaval: understanding and use

The rental aval is another popular option in Switzerland. This is a bank guarantee where the bank guarantees the rental deposit to the landlord. The bank retains a fee of approx. 3-5% of the cation per year, but the tenant does not have to pay the entire amount.

Overdraft facility as a means of rent deposit?

An overdraft facility can also be used to finance the rental deposit in the short term. However, this is usually associated with higher interest rates and is therefore more suitable for short-term bridging.

Conclusion: The best way to get a rental deposit in Switzerland

Conclusion: When does a rental deposit loan make sense?

A rental deposit loan is particularly useful if you cannot or do not want to pay the full deposit immediately. It is a flexible and often cost-effective solution that helps you to preserve your liquidity and maintain financial flexibility.

Final tips and tricks for successful borrowing

  • Thorough research: Compare the offers carefully – or let us do it for you.
  • Clarity about your financial situation: Be aware of your financial possibilities and limits.

Contact and next steps with

If you are ready to take the next step, contact us via or use our non-binding inquiry form. Our team is on hand with help and advice to help you secure the right rental deposit loan. Start your comparison today and get one step closer to your dream home in Switzerland!