Small loan comparison: The best & cheapest mini loan in Switzerland – Calculate and request directly online

You are looking for a small loan in Switzerland – we can offer you the best. Whether you need quick cash for an unexpected expense or want to fulfill a small wish, we’re here to help you find the best and most affordable mini 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!

Small loan

Calculate your small loan with our mini loan calculator

Monthly installment:

Compare small loans with – How it works

Credit calculator

1. calculate desired loan

At, 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.

Credit inquiry

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.

Credit comparison

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.

Loan disbursement

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

The advantages of an online small loan: fast, simple and flexible

Why online small loans are the best option

Growing money plants

Applying for a small loan online offers numerous advantages. Above all, this route is characterized by its speed and simplicity. You can submit your loan application from the comfort of your own home, without the hassle of bureaucracy and waiting times at a bank. Online small loans also offer a high degree of flexibility in terms of loan amounts and repayment plans, so they can be perfectly tailored to your individual needs.

  • 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, 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.

Mini loan: the ideal solution for short-term financial needs

Mini loans are perfect for short-term financial bottlenecks. They can usually be obtained very quickly (less than 14 days), as the Consumer Credit Act (KKG) does not apply to amounts under CHF 500 . These loans, often called kiosk loans, can be repaid conveniently and flexibly. This type of loan is ideal if you need immediate access to money and want to make sure you don’t get into long-term debt.

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 loan where 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 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 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.

What you should know about instant payouts (not possible in Switzerland)

Instant payouts are a desired feature of small loans for many consumers, but are not permitted in Switzerland under the KKG. Our platform gives you access to lenders who offer fast payouts. It is important to understand how such payouts work and what criteria must be met in order to be eligible. Please feel free to contact us by e-mail at or via our inquiry form:

Small loan without pitfalls: what you should look out for

The disadvantages of small loans and how to avoid them

Although small loans offer many advantages, it is also important to be aware of possible disadvantages. These include high interest rates with a poor credit rating and the temptation to borrow more money than is actually needed. To avoid these pitfalls, we recommend a realistic assessment of your financial situation and thorough planning of your repayments.

  • Realistic budget planning: Determine how much you can borrow and repay.
  • Complete cost transparency: Pay attention to the total cost of the loan, not just the monthly amount.

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.

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. As a rule, this term refers to loans that are for a lower amount than conventional personal loans loans. The exact maximum limit may vary, but is often in the range of CHF 500 (KKG limit) up to a maximum of CHF 10,000. Small loans are ideal for people who need short-term funds and can pay them back 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. 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

Use your credit card online

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 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.