You are looking for a small loan in Switzerland – we can offer you the best. Whether you need money quickly for an unexpected expense or want to fulfill a small wish, we are here to help you find the best and cheapest small loan. With our user-friendly comparison, it’s easier than ever to calculate and apply for small loans directly online. Forget complex processes and hidden costs – we bring the best small loan in Switzerland straight to your door!
Calculate your small loan with our mini loan calculator
Compare small loans with kredit-vergleich.ch – How it works
1. calculate desired loan
At kredit-vergleich.ch, everything starts with your personal wishes and needs. With the help of our online loan calculator, you can easily calculate your desired small loan . Enter the desired amount and term and our tool will immediately show you the monthly installments depending on the available interest rate.
2. fill in and send off your credit application
Once you have calculated your desired loan, the next step is to apply for a loan. Our process is fully digitalized and allows you to enter all the necessary information quickly and securely online. You can therefore apply for your personal loan conveniently online.
3. we show you the best and cheapest offers
Once we have received your request, we will take over the work. We compare numerous offers from different banks and present you with the best and most favorable options. With us, you are guaranteed to find the best offer that exactly matches your financial profile.
4. you choose the desired loan offer & get the loan amount paid out
The last step is yours again: Choose the offer that appeals to you the most. Once you have made your selection, the process for disbursing the loan amount is initiated immediately. Fast, uncomplicated and precisely tailored to your requirements.
With this simple 4-step process, we guarantee you a stress-free and transparent experience when you take out a small loan via kredit-vergleich.ch.
The advantages of an online small loan: fast, simple and flexible
Why online small loans are the best option
Small loan Switzerland: Fast, uncomplicated and secure online application
A small loan can help in many life situations: Whether an unexpected car repair, a short-term move or a new washing machine – sometimes you just need money quickly. This is exactly where the small loan comes into play: smaller sums, simple conditions and often a quick payout.
But what should you pay attention to? Which providers are there in Switzerland? And how safe is taking out such a loan? In this comprehensive guide, you’ll learn everything you need to know.
- Speed: Online applications are processed quickly, which enables a speedy decision.
- Convenience: No need to visit branches or submit physical documents.
- Individuality: Adapt your loan amount and term to your needs so that the loan installment suits you.
Affordable credit solutions for every situation
At kredit-vergleich.ch, we understand that every financial need is unique. That is why we offer a variety of credit solutions tailored to different life situations. Whether it’s a small purchase, an unforeseen expense or the consolidation of existing debts – we have the right, affordable loan for you.
What is a small loan in Switzerland?
A small loan is a so-called consumer loan with a relatively low loan amount. In Switzerland, this amount usually ranges between CHF 500 and CHF 20,000. Compared to traditional personal loans, the application process is often simplified, terms are shorter, and the loan decision is faster.
Typical for small loans:
Credit check required
Loan amount: approx. 500 to 20,000 CHF
Duration: usually 6 to 36 months
No collateral required
Simple online application
How much does a small loan really cost?
It is important to understand how the costs of a small loan are made up. In Switzerland, interest rates include all fees, which simplifies the calculation of total costs. However, small loans can certainly have higher interest rates than, for example, a car loanwhere the loan is covered by physical collateral and the KKG is also binding.
Your way to the best small loan: a comparison is worthwhile
Credit comparison made easy: Find the most favorable provider
A careful loan comparison is the key to finding the most favorable small loan provider. At kredit-vergleich.ch we make this process simple and efficient. Our well-connected team of experts compares the offers of various lenders and shows you the options with the best conditions and lowest interest rates. This not only saves you money, but also time and effort, as you don’t have to manually search through every bank or lender.
- Transparency: Clear presentation of interest rates and conditions.
- Simplicity: All comparative data at a glance.
- Time saving: Quick overview of the best offers.
How to find the best loan for your needs
Not only the interest rate, but also other factors such as the right desired term, flexible repayment options and customer service play an important role in choosing the best small loan. Our experts at kredit-vergleich.ch will help you to find an offer that is not only financially attractive, but also meets your needs in all other respects.
The role of the credit check for small loans
The credit check is an essential part of the lending process. It helps lenders to assess the risk. In Switzerland, lenders are legally obliged to check creditworthiness, but only for loans of CHF 500 or more. On our website, you will find helpful information on how you can improve your credit rating and what to do when you submit a credit application without a credit check to consider.
Advantages of a small loan
A small loan offers several advantages, especially if you need to react quickly to a financial challenge:
- Fast payout: Many providers pay out within 24-72 hours of approval.
- Fully digital application: No paperwork – everything online.
- Flexible repayment: Selectable terms and monthly installments.
- No earmarking: You can use the money however you like.
- Even with medium creditworthiness possible: Some providers check individually and do not reject immediately.
Who can apply for a small loan?
In principle, any adult with a permanent residence in Switzerland can apply for a small loan. The most important requirements:
- Minimum age: 18 years
- Permanent residence in Switzerland
- Regular income (also part-time possible)
- No ongoing debt collection or certificates of loss
- No negative ZEK entries
Tip: Cross-border commuters with a B permit can also apply to certain providers.
Tips for a successful credit application without a credit check
Even though a credit check is a standard procedure in Switzerland, there are ways to obtain a loan without a more extensive credit check. We support you with tips on how you can increase your chances of a successful loan application.
Providers of small loans in Switzerland (comparison table)
| Provider | Loan amount | Interest rate (effective) | Payment | Feature |
|---|---|---|---|---|
| Cembra Money Bank | 500 – 40,000 CHF | from 7.95 % | from 24 h | Even with medium creditworthiness |
| bob Finance | 1,000 – 25,000 CHF | from 6.9 % | from 48 h | Fully digital application |
| Cashgate | 1,000 – 80,000 CHF | from 6.5 % | 1–3 days | Personalized credit plan |
| Lend.ch | 1,000 – 30,000 CHF | from 4.5 % | 2–5 days | Peer-to-peer loan, cheap |
| credxperts.ch | up to 350.000 CHF | individual | fast | Specialist for high permits |
*Information without guarantee, as of 2025
Alternatives to the classic small loan
- Overdraft / Overdraft: Flexible but expensive (interest rates up to 12%).
- Credit card with installments: Only for small amounts.
- Personal loan from family/friends: a matter of trust.
- Lend platforms / P2P loans: Often cheap, but creditworthiness-dependent.
FAQ: Frequently asked questions about small loans
Finally, we offer a comprehensive FAQ section in which we answer frequently asked questions about small loans. This section covers everything from the definition of a small loan to the costs and early repayment.
What is considered a small loan in Switzerland?
A small loan is typically defined as a loan with a relatively small loan amount. Typically, this term refers to loans that include a lower amount than traditional personal loans . The exact maximum limit can vary, but is often in the range of CHF 500 (limit KKG) to a maximum of CHF 10,000. Small loans are ideal for people who need financial resources in the short term and can repay them relatively quickly, but are reluctant to borrow money privately.
Until when is a small loan?
In Switzerland, the maximum limit for a small loan is not uniformly defined, but it is generally lower than for conventional loans. However, this is usually a purely subjective, conceptual demarcation rather than a real one in terms of content. Typically, loans up to an amount of around CHF 10,000 are considered small loans. However, this amount may vary depending on the Swiss bank. Raiffeisenbank may define a small loan differently than Bob Finance (for example).
Small loans are therefore intended for smaller financial needs and differ from larger loans such as mortgages or extensive personal loans. They are ideal for consumers who need a smaller amount of money for short-term goals, be it for unexpected expenses, small purchases or other personal needs such as Christmas gifts.
Small loan: What is the minimum amount?
The minimum amount for a small loan can vary depending on the lender and the specific credit guidelines. In Switzerland, the minimum for the smallest possible loan is often around CHF 250 to CHF 1,000. This low minimum amount makes small loans an attractive option for people who only need a small amount of money for short-term expenses and do not want to or cannot use the overdraft facility. They are ideal for closing small financial gaps or covering unexpected costs without having to commit to high loan amounts.
It is important to note that the conditions for small loans, including minimum amounts, can vary from provider to provider. It is therefore advisable to compare the offers and conditions of different lenders in order to find the best offer for your individual needs. Kredit-vergleich.ch offers a simple and efficient point of contact for this, allowing you to compare different credit options and select the offer that suits you best.
How expensive is a small loan?
As with any loan, the costs of a small loan in Switzerland are calculated on the basis of the loan amount, the interest rate and the term. Interest rates can vary depending on the borrower’s creditworthiness. In Switzerland, all costs of a loan must be included in the interest rate, there are no hidden fees or additional costs.
Final considerations: Making good use of small loans
How you can make the best use of your small loan
The decision to take out a small loan should be well thought out, even if it only involves a comparatively small amount of money. It’s important to think about what you need the money for and how the repayment fits into your budget. A small loan can be an excellent solution for short-term financial needs, but it is essential that it is used responsibly.
- Not necessarily only for unplanned expenses: The mini loan is suitable for both unforeseen costs and planned purchases.
Long-term advantages of small loans
A small loan can be more than just a short-term solution. If handled correctly, it can help improve your credit score, especially if you repay on time and in full. This can be advantageous for future financing and give you access to better conditions.
Alternatives to a small loan: other financing options
It is also important to consider alternatives to small loans. These include credit cards, private loans or the liquidation of long-term investments. Each option has its own advantages and disadvantages, and it is important to choose the one that best suits your specific situation.
Summary: What you should know about small loans
To conclude our comprehensive guide to small loans, we would like to summarize the most important points for you once again:
- Comparison pays off: Use kredit-vergleich.ch to find the best and cheapest small loan.
- Transparent conditions: Pay attention to the total cost of the loan, not just the interest rate or installment.
- Responsible use: Think carefully about how much you need and how you can repay the loan.
With this information and tools, you are now well equipped to find the best small loan for your needs and make smart financial decisions.
FAQ: Small loans in Switzerland (10 questions and answers)
1. What is a small loan?
A small loan is a consumer loan with a small amount, usually between 500 and 20,000 CHF.
2. How quickly is a small loan paid out?
Depending on the provider, within 24 to 72 hours of approval.
3. What requirements do I have to meet?
Residence in Switzerland, regular income, no debt collections, no negative ZEK entries.
4. Do I have to deposit collateral?
No, small loans are usually unsecured.
5. Are there small loans without proof of income?
No, a minimum income must be proven.
6. Can I also get a small loan with a B permit?
Yes, some providers also accept cross-border commuters with a B permit.
7. How much does a small loan cost?
The costs depend on the interest rate, the term and the loan amount. The effective annual interest rate is important.
8. Can I repay the loan early?
Yes, with most providers free of charge or for a small fee.
9. What happens in case of payment problems?
Be sure to contact the provider. There are options for rate adjustment.
10. How do I find the best offer?
Compare several providers, e.g. on credxperts.ch. Pay attention to interest rates, conditions and seriousness.
