Compare Swiss loans - Apply for a Swiss credit.

Find the best interest rates and fees with our independent and reputable Swiss loan comparison. The most comprehensive credit comparison in Switzerland.

Kreditvergleich.ch has specialised in a safe, fair and goal-oriented way of finding credit. 
Our overview of all reputable Swiss credit providers makes finding the most suitable credit for your needs quick and easy. Our individual loan comparisons are revolutionising the Swiss credit market, whether personal loan, corporate loan or mortgage.
Our individual loan comparisons are revolutionising the Swiss credit market, whether Personal Loan, Corporate Loan or Mortgages.

The following personal loan comparison for Switzerland provides a preliminary overview.

Increase your chances of approval: Avoid making multiple applications to different credit providers.

All credit enquiries are registered with the Central Office for Credit Information (ZEK). The ZEK provides information on current obligations (loans, leases and credit cards), on enquiries made and on payment behaviour. Multiple enquiries with individual credit banks can lead to subsequent rejections (poorer credit rating). You can find more information on the ZEK here: https://www.zek.ch/de-ch/kredit-leasingnehmer/eintrage-zu-meiner-person

This comparison of swiss personal loans provides an initial overview. When you apply for a loan on our site you will receive prompt, competent advice and suitable credit offers.

Provider	Amount of loan	Term	Interest Rate	Charges
Migrosbank	1'000 - 100'000 CHF	6 - 84 Months	4.9% - 7.9%	none	Credit Application
Credit Now "Classic"	5'000 - 250'000 CHF	6 - 84 Months	6.9% - 11.9%	none	Credit Application
Credit Now "Casa"	5'000 - 250'000 CHF	6 - 84 Months	5.9% - 11.5%	none	Credit Application
Cembra	1'000 - 250'000 CHF	12 - 84 Months	7.95% - 11.95%	none	Credit Application
Bob Finance	3'000 - 80'000 CHF	6 - 120 Months	5.9% - 11.9%	none	Credit Application
Genfer Kantonalbank	2'500 - 70'000 CHF	6 - 60 Months	7.4%	none	Credit Application
Genfer Kantonalbank (für Hauseigentümer)	2'500 - 70'000 CHF	6 - 60 Months	5.2%	none	Credit Application
CG24 Group (ehem. Creditgate 24)	5'000 - 250'000 CHF	12 - 84 Months	4.86% - 11.95%	none	Credit Application
Crowd4Cash	5'000 - 250'000 CHF	12 - 84 Months	5.9% - 11.9%	0.8% p.a	Credit Application
Cashare	1'000 - 1'000'000 CHF	1 - 60 Months	3.9% - 9.9%	0,75% p.a	Credit Application
Lend	10'000 - 200'000 CHF	12 - 84 Months	4.5% - 10.95%	0.65% - 1.5% p.a	Credit Application
WKB	1'000 - 80'000 CHF	1 - 60 Months	8.95%	none	Credit Application

Important Information: If you submit credit applications directly to several credit providers, your creditworthiness will deteriorate due to the ZEK queries from each provider. Fill out our form "Loan Application" to receive a free preliminary consultation (credit comparison) without a ZEK query - your creditworthiness remains unaffected.

Please note: Although we constantly strive to make the calculations in our Swiss credit comparison as accurate as possible, we cannot guarantee 100% accuracy. Our credit specialists (partners) do not work together with all of the credit providers listed in our loan comparison. Click on "Loan Application" to receive competent & free loan advice and subsequently, if desired, suitable credit offers.

Kreditvergleich FAQ

Is it worth comparing credit offers?

Yes, since interest rates and fees vary from provider to provider, a credit comparison is definitely recommended. Depending on the loan amount and term, up to several thousand francs can be saved by comparing loan offers.

Is our loan comparison free to use?

The use of our loan comparison is absolutely free of charge - there are no fees or hidden costs whatsoever.

What information do I need for the loan comparison and the loan application?

To use our Loan comparison (credit calculator) you only need to know the size of the loan you require and the term over which you would like to repay it. For our loan application, on the other hand, we will require the following information:

The size of the loan you require
The term over which you would like to repay the loan
Your name
Your date of birth
Your nationality
Your marital status
Your occupational situation
Your monthly net income (after tax)
Your address
Telephone number *

Which documents are required to get a loan?

A copy of your Swiss identity card or residence permit B or C
Your last 3 pay slips
If the loan is to be used for debt consolidation a copy of the existing loan agreement will be required
A copy of your health insurance policy and further documents may be required

What are the general requirements for a loan?

According to the Consumer Credit Act (KKG), the borrower's creditworthiness has top priority. A regular income is therefore the most important basis for obtaining a loan. The following requirements will also need to be met:

Minimum age: 18 years. Maximum age: 64 years, whereby the loan must be repaid in full by the age of 69.
Regular income
Residence in Switzerland or Liechtenstein
Swiss citizenship or residence permit B or C
No loss certificate, ongoing debt collection or seizures

In our loan comparison you will find NO debt restructuring and NO immediate loans!

As was reported on 22.11.2016 by Kasssensturz, there are many black sheep operating in the credit sector in Switzerland, specifically when it comes to credit mediation and debt restructuring. In most cases it is foreign credit institutions with a Swiss letterbox address who advertise with instant loans or debt restructuring. Hidden clauses reveal, however, that exorbitant fees are being charged, even without a credit agreement ever having being concluded.

These warnings regarding rogue credit intermediaries have been reiterated for 2020 - see Reklamationszentrale , 10.1.2020. (only in german)

Warning: Even if a company is shown as having it's company headquarters in Switzerland one needs to be careful as dubious companies are now using letterbox addresses in Switzerland.

The websites of dubious companies attempt to give consumers the impression that credit is being granted on application forms. However, in the small print or in the general terms and conditions it is pointed out that no loans are granted, but that financial advice is provided for a fee.

Credit Switzerland: Information

Since 1 January 2016, instant loans are no longer available in Switzerland (exception: up to 3 months term and/or the size of the loan is CHF 80000 or more). According to Swiss law, any borrower may withdraw from the contract without explanation within 14 days of signing the credit application (KKG 16 para. 1). You can find more information on Swiss Loans .

In our loan comparison we focus on a fair and target-orientated solution with selected reputable Swiss credit brokers and credit partners, all of which have real headquarters in Switzerland. We always check and monitor our partners very carefully.

The trustworthy Swiss loan comparison site

Our Swiss credit partners provide an independent and competent consultation in your desired language (Deutsch, Italian, French and English). The consultation is absolutely free of charge and without any obligation whatsoever. The advice provided is individually tailored to the suit the customers needs.