{"id":190,"date":"2024-06-27T02:38:02","date_gmt":"2024-06-27T02:38:02","guid":{"rendered":"https:\/\/apuwavab.myhostpoint.ch\/?page_id=190"},"modified":"2026-01-24T13:02:20","modified_gmt":"2026-01-24T13:02:20","slug":"privatkredit","status":"publish","type":"page","link":"https:\/\/kredit.ch\/en\/privatkredit\/","title":{"rendered":"Personal loan"},"content":{"rendered":"<div class=\"wp-block-cover cover-image\" style=\"min-height:590px;aspect-ratio:unset;\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"468\" class=\"wp-block-cover__image-background wp-image-932 size-large\" alt=\"\" src=\"https:\/\/kredit.ch\/wp-content\/uploads\/2025\/12\/privat-kredit-1024x468.jpg\" data-object-fit=\"cover\" srcset=\"https:\/\/kredit.ch\/wp-content\/uploads\/2025\/12\/privat-kredit-1024x468.jpg 1024w, https:\/\/kredit.ch\/wp-content\/uploads\/2025\/12\/privat-kredit-300x137.jpg 300w, https:\/\/kredit.ch\/wp-content\/uploads\/2025\/12\/privat-kredit-768x351.jpg 768w, https:\/\/kredit.ch\/wp-content\/uploads\/2025\/12\/privat-kredit-1536x702.jpg 1536w, https:\/\/kredit.ch\/wp-content\/uploads\/2025\/12\/privat-kredit-2048x937.jpg 2048w, https:\/\/kredit.ch\/wp-content\/uploads\/2025\/12\/privat-kredit-18x8.jpg 18w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><span aria-hidden=\"true\" class=\"wp-block-cover__background has-background-dim-60 has-background-dim wp-block-cover__gradient-background has-background-gradient has-gradient-3-gradient-background\"><\/span><div class=\"wp-block-cover__inner-container is-layout-constrained wp-block-cover-is-layout-constrained\">\n<div class=\"wp-block-group is-content-justification-space-between is-layout-flex wp-container-core-group-is-layout-f10d1765 wp-block-group-is-layout-flex\" style=\"padding-right:var(--wp--preset--spacing--40);padding-left:var(--wp--preset--spacing--40)\">\n<div class=\"wp-block-group is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-03dfb0e2 wp-block-group-is-layout-constrained\">\n<h1 class=\"wp-block-heading has-text-align-left has-light-color has-text-color has-link-color has-large-font-size wp-elements-1a124ef9fcb32e994a3c24488f1f30f5\">Personal loan<\/h1>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-default\" style=\"margin-top:var(--wp--preset--spacing--50);margin-bottom:var(--wp--preset--spacing--50)\"\/>\n\n\n\n<p class=\"has-text-align-left has-light-color has-text-color has-link-color wp-elements-f402ce99221a5b216938ecff9498e457\">Personal loans in Switzerland from 4.9% \u2013 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.<\/p>\n<\/div>\n\n\n<div class=\"narrow-calculator\"><form action=\"\/en\/antrag\/?betrag=10000&#038;laufzeit_monate=36\" id=\"creditForm\" class=\"calculator-form\" data-trp-original-action=\"\/en\/antrag?betrag=10000&laufzeit_monate=36\">\n\t\t<input type=\"hidden\" value=\"classic\" name=\"type\" \/>\n\t\t<h3 class=\"calculator-title\">Calculate a loan<\/h3>\n  <div class=\"claculator-wrapper\">\n    <div class=\"form-group\">\n      <div class=\"flex\">\n        <label for=\"amount_input\">Loan amount (CHF)<\/label>\n        <input type=\"text\" class=\"form-control\" id=\"amount_input\" placeholder=\"10'000.00\" \/>\n      <\/div>\n      <input type=\"range\" min=\"1000\" max=\"250000\" step=\"1000\" value=\"10000\" class=\"custom-range\" id=\"amount_slider\" name=\"betrag\" \/>\n      <div class=\"flex small\">\n        <span><span>1'000<\/span> <em>CHF<\/em><\/span>\n        <span><span class=\"max\">250'000<\/span> <em>CHF<\/em><\/span>\n      <\/div>\n    <\/div>\n    <div class=\"form-group\">\n      <div class=\"flex\">\n        <label for=\"duration_input\">Duration (Months)<\/label>\n        <input type=\"text\" class=\"form-control\" id=\"duration_input\" placeholder=\"36\" \/>\n      <\/div>\n      <input type=\"range\" min=\"6\" max=\"120\" step=\"6\" value=\"36\" class=\"custom-range\" id=\"duration_slider\" name=\"laufzeit_monate\" \/>\n      <div class=\"flex small\">\n        <span><span>6<\/span> <em>Monate<\/em><\/span>\n        <span><span class=\"max\">120<\/span> <em>Monate<\/em><\/span>\n      <\/div>\n    <\/div>\n    <div class=\"credit-protection\">\n      <label class=\"flex\"><span class=\"strong\">Credit protection<\/span> <span class=\"tooltip tooltip-info\">\n\t\t\t\t\t\t\t\t\t\t<span>In this way you also secure your installment payments in the event of disability as well as through no fault of unemployment. Credit protection is optional.<\/span>\n        <\/span>\n      <\/label>\n      <div class=\"flex\">\n        <label class=\"form-check-label\" for=\"Ja\">\n          <input class=\"form-check-input check-input-custom\" type=\"radio\" name=\"ratenabsicherung\" id=\"Ja\" value=\"YES\" checked \/>\n          <span>Yes<\/span>\n        <\/label>\n        <label class=\"form-check-label\" for=\"Nein\">\n          <input class=\"form-check-input check-input-custom left\" type=\"radio\" name=\"ratenabsicherung\" id=\"Nein\" value=\"NO\" \/>\n          <span>No<\/span>\n        <\/label>\n      <\/div>\n    <\/div>\n  <\/div>\n  <div class=\"easycredit-numbers\">\n    <div class=\"inner-numbers\">\n      <strong>Monthly rate (CHF)<\/strong>\n      <div class=\"flex\">\n\t\t\t\t\t\t\t\t<div class=\"col\">\n          <div class=\"narrow-flex\">\n            <label class=\"small strong\"><em>Effective interest per year<\/em> from <span id=\"interest_low\">4.9<\/span>%<\/label>\n          <\/div>\n\t\t\t\t\t\t\t\t\t\t<label class=\"big\" id=\"amount_output\">313.70<\/label>\n\t\t\t\t\t\t\t\t\t\t<span class=\"small-label\">Thereof credit protection in (CHF) <label id=\"interest_low_ppi\">14.92<\/label> <em>CHF<\/em><\/span>\n        <\/div>\n        <div class=\"col\">\n          <div class=\"narrow-flex\">\n            <label class=\"small strong\"><em>Effective interest per year<\/em> to <span id=\"interest_high\">9.95<\/span>%<\/label>\n\t\t\t\t\t     <\/div>\n          <label class=\"big\" id=\"duration_output\">347.10<\/label>\n\t\t\t\t\t\t\t\t\t\t<span class=\"small-label\">Thereof credit protection in (CHF) <label id=\"interest_high_ppi\">18.09<\/label> <em>CHF<\/em><\/span>\n        <\/div>\n\t\t\t\t\t\t<\/div>\n      <div class=\"bottom-wrapper\">\n\t\t\t\t\t\t\t\t<div class=\"full-width\">Your total interest costs range between CHF <span id=\"interest_low_output\">793.70<\/span> (4.9 % effective) and CHF <span id=\"interest_high_output\">1'617.90<\/span> (9.95% effective), depending on creditworthiness.<\/div>\n\t\t\t\t\t\t\t\t<div class=\"button-wrapper\">\n\t\t\t\t\t\t\t\t\t\t<a href=\"\/en\/antrag\/?betrag=10000&laufzeit_monate=36\" id=\"credit-form-submit\" class=\"button button-primary\">Apply for a loan<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t   \t<\/div>\n    <\/div>\n  <\/div>\n<input type=\"hidden\" name=\"trp-form-language\" value=\"en\"\/><\/form>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-large-font-size\" style=\"padding-bottom:var(--wp--preset--spacing--50)\">Personal loan Switzerland \u2013 Your flexible financing<\/h3>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<p>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 \u2013 with kredit.ch you can apply for your personal loan in Switzerland easily online, quickly and transparently.<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/kredit.ch\/en\/kredit-beantragen\/\">Apply for a personal loan now<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-6ef9061c wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<h4 class=\"wp-block-heading\">Your advantages with kredit.ch<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Favorable conditions<\/strong> \u2013 Personal loans from 4.9%<\/li>\n\n\n\n<li><strong>Independent advice<\/strong> \u2013 by experienced credit experts<\/li>\n\n\n\n<li><strong>No processing fees<\/strong> \u2013 and no hidden commissions<\/li>\n\n\n\n<li><strong>Absolute discretion<\/strong> - Your request will remain confidential<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\">What is a personal loan?<\/h5>\n\n\n\n<p>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 \u2013 for example, for purchases, further education, renovations, or to consolidate existing loans.<\/p>\n\n\n\n<ul style=\"padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30)\" class=\"wp-block-list\">\n<li><strong>Favorable conditions<\/strong> \u2013 Personal loans from 4.9%<\/li>\n\n\n\n<li><strong>Independent advice<\/strong> \u2013 by experienced credit experts<\/li>\n\n\n\n<li><strong>No processing fees<\/strong> \u2013 and no hidden commissions<\/li>\n\n\n\n<li><strong>Absolute discretion<\/strong> - Your request will remain confidential<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\">Requirements for a personal loan<\/h5>\n\n\n\n<p>In order for your loan application to be approved, these criteria should be met:<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"padding-top:0;padding-right:0;padding-bottom:0;padding-left:0;flex-basis:33.33%\">\n<div class=\"wp-block-group has-gradient-2-gradient-background has-background is-layout-constrained wp-container-core-group-is-layout-db32e940 wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--60);padding-right:var(--wp--preset--spacing--60);padding-bottom:var(--wp--preset--spacing--60);padding-left:var(--wp--preset--spacing--60)\">\n<h4 class=\"wp-block-heading has-text-align-center has-light-color has-text-color has-link-color wp-elements-73cdc8cf6a9f7a7b0c32b69926a781ea\">Free loan advice<\/h4>\n\n\n\n<p class=\"has-text-align-center has-light-color has-text-color has-link-color wp-elements-0b0c372aff6be425a596a569e3270890\">With us you will receive a free<\/p>\n\n\n\n<p class=\"has-text-align-center has-light-color has-text-color has-link-color wp-elements-126e59ece960d143c68550bd5a43a396\"><strong>Credit advice in 10 different languages<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\" style=\"margin-top:var(--wp--preset--spacing--50)\"><img loading=\"lazy\" decoding=\"async\" width=\"826\" height=\"580\" src=\"https:\/\/kredit.ch\/wp-content\/themes\/kredit\/img\/cta-image.png\" alt=\"\" class=\"wp-image-745\"\/><\/figure>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-222c5d1d wp-block-buttons-is-layout-flex\" style=\"margin-bottom:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"tel:044 404 75 70\">044 404 75 70<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<h5 class=\"wp-block-heading\">Your advantages when consolidating your loans:<\/h5>\n\n\n\n<p>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:<\/p>\n\n\n\n<div class=\"wp-block-group is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-db6cbf98 wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-12d3ec6f wp-block-columns-is-layout-flex\" style=\"padding-top:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group count-stacks smaller check-list is-vertical is-nowrap is-layout-flex wp-container-core-group-is-layout-9c68c579 wp-block-group-is-layout-flex\" style=\"padding-top:0;padding-right:0;padding-bottom:0\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-355c4241 wp-block-group-is-layout-flex\">\n<p>Minimum age: 18 years.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-355c4241 wp-block-group-is-layout-flex\">\n<p>Permanent residence in Switzerland.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group count-stacks smaller check-list is-vertical is-nowrap is-layout-flex wp-container-core-group-is-layout-9c68c579 wp-block-group-is-layout-flex\" style=\"padding-top:0;padding-right:0;padding-bottom:0\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-355c4241 wp-block-group-is-layout-flex\">\n<p>Regular income<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-355c4241 wp-block-group-is-layout-flex\">\n<p>No serious negative entries at the ZEK.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group requirements-bar has-secondary-light-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\" style=\"margin-top:var(--wp--preset--spacing--60);margin-bottom:var(--wp--preset--spacing--60);padding-top:0;padding-bottom:0\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-6ef9061c wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center has-secondary-light-background-color has-background is-content-justification-left is-layout-constrained wp-container-core-column-is-layout-a79fdcd2 wp-block-column-is-layout-constrained\" style=\"padding-right:0;flex-basis:66.66%\">\n<div class=\"wp-block-group is-content-justification-left is-layout-flex wp-container-core-group-is-layout-cbc9dc1c wp-block-group-is-layout-flex\">\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/kredit.ch\/wp-content\/uploads\/2025\/12\/book-icon.svg\" alt=\"\" class=\"wp-image-944\"\/><\/figure>\n\n\n\n<p class=\"border-right\" style=\"padding-right:var(--wp--preset--spacing--40)\"><strong>Do you fulfill these<br>Requirements?<\/strong><\/p>\n\n\n\n<p>Then, in principle, nothing stands in the way<br>of your desired loan.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"padding-top:0;padding-right:0;padding-bottom:0;padding-left:0;flex-basis:33.33%\">\n<div class=\"wp-block-group min-height has-primary-background-color has-background is-layout-constrained wp-container-core-group-is-layout-a151063b wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--40)\">\n<p class=\"has-text-align-center arrow-link-light has-light-color has-text-color has-link-color wp-elements-d3d2060995bd96c27694df470b3a1692\"><strong><a href=\"https:\/\/kredit.ch\/en\/kredit-beantragen\/\">Go to the loan calculator<\/a><\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns columns-whit-white-border is-layout-flex wp-container-core-columns-is-layout-145a2ba8 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-light-color has-text-color has-link-color wp-elements-b75be0a00cf84f66bce6b1bd9a587d5b is-layout-flow wp-block-column-is-layout-flow\" style=\"padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<div class=\"wp-block-group min-height is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-12dd3699 wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-cover\" style=\"min-height:607px;aspect-ratio:unset;\"><img loading=\"lazy\" decoding=\"async\" width=\"790\" height=\"640\" class=\"wp-block-cover__image-background wp-image-1326 size-full\" alt=\"\" src=\"https:\/\/kredit.ch\/wp-content\/uploads\/2026\/01\/privat-cover.jpg\" data-object-fit=\"cover\" srcset=\"https:\/\/kredit.ch\/wp-content\/uploads\/2026\/01\/privat-cover.jpg 790w, https:\/\/kredit.ch\/wp-content\/uploads\/2026\/01\/privat-cover-300x243.jpg 300w, https:\/\/kredit.ch\/wp-content\/uploads\/2026\/01\/privat-cover-768x622.jpg 768w, https:\/\/kredit.ch\/wp-content\/uploads\/2026\/01\/privat-cover-15x12.jpg 15w\" sizes=\"auto, (max-width: 790px) 100vw, 790px\" \/><span aria-hidden=\"true\" class=\"wp-block-cover__background has-background-dim wp-block-cover__gradient-background has-background-gradient has-gradient-2-gradient-background\"><\/span><div class=\"wp-block-cover__inner-container is-layout-constrained wp-block-cover-is-layout-constrained\">\n<p><\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column has-light-color has-text-color has-link-color wp-elements-a1644c61480cb70f9335ad5c175345fe is-layout-flow wp-block-column-is-layout-flow\" style=\"padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<div class=\"wp-block-group is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-12dd3699 wp-block-group-is-layout-constrained\">\n<h5 class=\"wp-block-heading\">This is how your loan application works<\/h5>\n\n\n\n<div class=\"wp-block-group count-stacks smaller is-vertical is-nowrap is-layout-flex wp-container-core-group-is-layout-52d14973 wp-block-group-is-layout-flex\" style=\"padding-bottom:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-355c4241 wp-block-group-is-layout-flex\">\n<p><strong>Favorable conditions<\/strong> \u2013 Personal loans from 4.9%<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-355c4241 wp-block-group-is-layout-flex\">\n<p><strong>Independent advice<\/strong> \u2013 by experienced credit experts<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-355c4241 wp-block-group-is-layout-flex\">\n<p><strong>No processing fees<\/strong> \u2013 and no hidden commissions<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-355c4241 wp-block-group-is-layout-flex\">\n<p><strong>Absolute discretion<\/strong> - Your request will remain confidential<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-border-color has-primary-light-border-color wp-container-content-958eb9dc is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-2b332e8c wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50)\">\n<p style=\"padding-bottom:var(--wp--preset--spacing--40)\"><strong>Example calculation:<\/strong><\/p>\n\n\n\n<p>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%.<\/p>\n\n\n\n<p><br>The exact costs depend on your credit rating.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\" style=\"margin-top:var(--wp--preset--spacing--50);margin-bottom:var(--wp--preset--spacing--50)\"\/>\n\n\n\n<p class=\"has-small-font-size\">Legal notice: Lending is prohibited if it leads to over-indebtedness (Art. 3 UWG).<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\" style=\"margin-top:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/kredit.ch\/en\/kredit-beantragen\/\">Calculate and apply for a personal loan<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-36e67b55 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-center has-large-font-size\" style=\"padding-bottom:var(--wp--preset--spacing--50)\">Frequently asked questions about personal loans<\/h3>\n\n\n\n<div class=\"wp-block-group accordion is-layout-flow wp-block-group-is-layout-flow\">\n<p><em>1<\/em> <strong>What is a personal loan?<\/strong><\/p>\n\n\n\n<div class=\"wp-block-group accordion-content has-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<p>A <strong>Personal loan<\/strong> is a <strong>unsecured loan<\/strong>, which you can take out as a private individual. You decide for yourself what you use the money for \u2013 for example, furniture, holidays, further education, a car or to consolidate existing loans.<br>Repayment is made in monthly installments over a term of <strong>6 to 120 months<\/strong>. At <strong>kredit.ch<\/strong> Then your <strong>Online loans in Switzerland<\/strong> non-binding, safe and <strong>Apply ZEK-neutral<\/strong>.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group accordion is-layout-flow wp-block-group-is-layout-flow\">\n<p><em>2<\/em> <strong>What are the requirements for applying for a loan in Switzerland?<\/strong><\/p>\n\n\n\n<div class=\"wp-block-group accordion-content has-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<p>For a <strong>Loan in Switzerland<\/strong> in order to apply, the following conditions must be met:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Minimum age <strong>18 years<\/strong><\/li>\n\n\n\n<li><strong>Permanent residence in Switzerland<\/strong><\/li>\n\n\n\n<li><strong>Regular income<\/strong><\/li>\n\n\n\n<li>No serious negatives <strong>ZEK entries<\/strong><\/li>\n\n\n\n<li>No ongoing or serious <strong>Debt collection proceedings<\/strong><\/li>\n\n\n\n<li><strong>Valid Swiss passport<\/strong> or <strong>Residence permit B or C<\/strong><\/li>\n\n\n\n<li>For residence permit B: <strong>at least 12 months of residence in Switzerland<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Each loan application is reviewed individually. Our loan experts will advise you personally on how to increase your chances of approval.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group accordion is-layout-flow wp-block-group-is-layout-flow\">\n<p><em>3<\/em> <strong>What is the maximum amount I can apply for?<\/strong><\/p>\n\n\n\n<div class=\"wp-block-group accordion-content has-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<p>At kredit.ch you can get a <strong>Loan from CHF 1,000 to CHF 250,000<\/strong> to record.<br>The possible loan amount depends on several factors, including:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Your income<\/li>\n\n\n\n<li>Your credit rating<\/li>\n\n\n\n<li>Your overall financial situation<\/li>\n<\/ul>\n\n\n\n<p>With the loan calculator on kredit.ch you can immediately see which monthly payment and loan term are suitable for your loan. <strong>Online loan<\/strong> are realistic.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group accordion is-layout-flow wp-block-group-is-layout-flow\">\n<p><em>4<\/em> <strong>Can I pay off an existing loan via kredit.ch?<\/strong><\/p>\n\n\n\n<div class=\"wp-block-group accordion-content has-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<p>Yes. With a <strong>Debt restructuring<\/strong> you can refinance existing loans with a new loan offering better terms. Advantages include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Lower interest costs<\/li>\n\n\n\n<li>Lower monthly payments<\/li>\n\n\n\n<li>Greater clarity through just one loan<\/li>\n<\/ul>\n\n\n\n<p>kredit.ch compares the best offers for you free of charge. <strong>Debt restructuring in Switzerland<\/strong>.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group accordion is-layout-flow wp-block-group-is-layout-flow\">\n<p><em>5<\/em> <strong>Can pensioners take out a loan?<\/strong><\/p>\n\n\n\n<div class=\"wp-block-group accordion-content has-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<p>Yes too <strong>Pensioners can apply for a loan<\/strong>. A prerequisite is a secure pension or a regular income that guarantees repayment.<br>Our consultants will assess your individual situation and find a suitable solution for you. <strong>Personal loan Switzerland<\/strong>.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-ba9ea59f wp-block-buttons-is-layout-flex\" style=\"margin-top:var(--wp--preset--spacing--60)\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/kredit.ch\/en\/kredit-beantragen\/\">Apply for a personal loan now<\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Privatkredit Schweiz \u2013 Ihre flexible Finanzierung Ein Privatkredit verschafft Ihnen finanzielle Freiheit f\u00fcr pers\u00f6nliche W\u00fcnsche oder gr\u00f6ssere Investitionen. Ob neue M\u00f6bel, eine Weiterbildung, Ferien oder die Abl\u00f6sung bestehender Kredite \u2013 mit kredit.ch beantragen Sie Ihren Privatkredit in der Schweiz einfach online, schnell und transparent. Ihre Vorteile mit kredit.ch Was ist ein Privatkredit? Ein Privatkredit ist [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-no-title-full-width","meta":{"footnotes":""},"class_list":["post-190","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Privatkredit beantragen - Kredit ab 4.9% - easycredit<\/title>\n<meta name=\"description\" content=\"Privatkredit beantragen \u2013 Pr\u00fcfen Sie jetzt die Voraussetzungen: Mindest-Nettoeinkommen von CHF 3000, keine offenen Betreibungen. 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