Personal loan
Personal loans in Switzerland from 4.9% – apply online. Calculate your monthly payment for your desired loan amount directly with our loan calculator. Your inquiry is free, non-binding, and does not affect your credit score.
Personal loan Switzerland – Your flexible financing
A personal loan gives you financial freedom for personal wishes or larger investments. Whether it's new furniture, further education, a vacation, or paying off existing loans – with kredit.ch you can apply for your personal loan in Switzerland easily online, quickly and transparently.
Your advantages with kredit.ch
- Favorable conditions – Personal loans from 4.9%
- Independent advice – by experienced credit experts
- No processing fees – and no hidden commissions
- Absolute discretion - Your request will remain confidential
What is a personal loan?
A personal loan is a loan without a specific purpose that you, as a private individual, can take out. This means you decide how to use the money – for example, for purchases, further education, renovations, or to consolidate existing loans.
- Favorable conditions – Personal loans from 4.9%
- Independent advice – by experienced credit experts
- No processing fees – and no hidden commissions
- Absolute discretion - Your request will remain confidential
Requirements for a personal loan
In order for your loan application to be approved, these criteria should be met:
Free loan advice
With us you will receive a free
Credit advice in 10 different languages
Your advantages when consolidating your loans:
In Switzerland, a consumer loan is referred to as a personal loan under the Consumer Credit Act. To apply for a personal loan in Switzerland, the following requirements must be met:
Minimum age: 18 years.
Permanent residence in Switzerland.
Regular income
No serious negative entries at the ZEK.
Do you fulfill these
Requirements?
Then, in principle, nothing stands in the way
of your desired loan.
This is how your loan application works
Favorable conditions – Personal loans from 4.9%
Independent advice – by experienced credit experts
No processing fees – and no hidden commissions
Absolute discretion - Your request will remain confidential
Example calculation:
A loan of CHF 30,000 with a term of 120 months results in a monthly payment of between CHF 340.30 and CHF 444.95 at an effective annual interest rate between 4.9% and 9.95%.
The exact costs depend on your credit rating.
Legal notice: Lending is prohibited if it leads to over-indebtedness (Art. 3 UWG).
Frequently asked questions about personal loans
1 What is a personal loan?
A Personal loan is a unsecured loan, which you can take out as a private individual. You decide for yourself what you use the money for – for example, furniture, holidays, further education, a car or to consolidate existing loans.
Repayment is made in monthly installments over a term of 6 to 120 months. At kredit.ch Then your Online loans in Switzerland non-binding, safe and Apply ZEK-neutral.
2 What are the requirements for applying for a loan in Switzerland?
For a Loan in Switzerland in order to apply, the following conditions must be met:
- Minimum age 18 years
- Permanent residence in Switzerland
- Regular income
- No serious negatives ZEK entries
- No ongoing or serious Debt collection proceedings
- Valid Swiss passport or Residence permit B or C
- For residence permit B: at least 12 months of residence in Switzerland
Each loan application is reviewed individually. Our loan experts will advise you personally on how to increase your chances of approval.
3 What is the maximum amount I can apply for?
At kredit.ch you can get a Loan from CHF 1,000 to CHF 250,000 to record.
The possible loan amount depends on several factors, including:
- Your income
- Your credit rating
- Your overall financial situation
With the loan calculator on kredit.ch you can immediately see which monthly payment and loan term are suitable for your loan. Online loan are realistic.
4 Can I pay off an existing loan via kredit.ch?
Yes. With a Debt restructuring you can refinance existing loans with a new loan offering better terms. Advantages include:
- Lower interest costs
- Lower monthly payments
- Greater clarity through just one loan
kredit.ch compares the best offers for you free of charge. Debt restructuring in Switzerland.
5 Can pensioners take out a loan?
Yes too Pensioners can apply for a loan. A prerequisite is a secure pension or a regular income that guarantees repayment.
Our consultants will assess your individual situation and find a suitable solution for you. Personal loan Switzerland.