Loan Comparison Switzerland: The Original! Compare low-interest loans and apply online.
Daily updated loan comparison. 18 online offers compared for personal loans. 100% free of charge, fast and reliable.
The comparison portal Kreditvergleich.ch specializes in independent comparisons for a safe, fair, and targeted way of searching for loans.
Our overview of all reputable Swiss credit providers In Switzerland, it is possible to find the most suitable loan safely and quickly.
Our individual loan comparisons are revolutionising the Swiss credit market, whether Personal Loan, Corporate Loan or Mortgages.
- Largest Swiss loan comparison
- Neutral and independent
- Expert loan consulting
- 100% free & legit
- Daily updated interest rates
- All loan providers
- Loan request without ZEK entry
- The Swiss original
The following personal loan comparison for Switzerland provides a preliminary overview without requiring any personal data.
Increase your chances of approval: Avoid making multiple applications to different credit providers.
All credit enquiries in Switzerland 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
Loan Comparison Switzerland: Last updated on 7 May, 2026
- 18 current loan offers
- 3 calculation filters (employees, self-employed and homeowners)
- Annual interest rates from 3.95% to 9.9%
- Output: Annual Percentage Rate (APR)
- Detailed breakdown of acceptance criteria, features, and total costs
Important notice: The minimum interest rates displayed on Kreditvergleich.ch correspond to the best conditions communicated by the respective providers and are subject to very strong creditworthiness. The interest rates actually granted may be higher depending on the individual situation (e.g. income, credit rating, and level of debt). In addition to the public comparison, there is an optional opportunity for individual credit advice provided by credit specialists. This is only offered upon explicit request and is independent of the comparison process.
Loan comparison (interactive loan calculator) with input of loan amount and loan term:
Loan Comparison Calculator – Available Filters
- Employed
Personal loans for individuals with regular employment income. - Homeowners & Employed
For borrowers with stable employment and additional property ownership. - Self-employed
For self-employed individuals with variable income and individual credit assessment. - Homeowners & Self-employed
For self-employed borrowers with property ownership or additional asset backing. - Further Information
Details on requirements, interest rates, and loan conditions.
Representative Example according to PBV:
For a net loan amount of CHF 50,000 and a loan term of 48 months, the monthly payment is CHF 1,138.30. With an effective annual interest rate of 4.5%, the total costs (interest) amount to CHF 4,638.40, resulting in a total amount of CHF 54,638.40. Credit granting is prohibited if it leads to over-indebtedness (Art. 3 UWG). All calculations are made excluding the costs for optional payment protection.
All personal loan offers in a tabular view
Personal Loan
(for homeowners)
Personal Loan
Personal Loan
Personal Loan
Personal Loan
Personal Loan
Personal Loan
Personal Loan
Personal Loan
(for homeowners)
Personal Loan
Personal Loan
(for homeowners)
Personal Loan
(for homeowners)
Personal Loan
(for homeowners)
Personal Loan
Missing a loan provider for personal loans? Contact us: info @ kreditvergleich.ch
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 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.
General information on personal loans, corporate loans and mortgages
What does a personal loan cost?
The following examples are calculated for a term of 48 months.
Loan 10000
Term : 48 Months
Eff. Annual interest rate : 4,9 %
229.45 CHF / Month
Loan 20000
Term : 48 Months
Eff. Annual interest rate : 4,9 %
458.95 CHF / Month
Loan 50000
Term : 48 Months
Eff. Annual interest rate : 4,9 %
1147.30 CHF / Month
Loan 100000
Term : 48 Months
Eff. Annual interest rate : 4,9 %
2294.65 CHF / Month
The size of your monthly loan instalment depends on 3 factors: The Loan amount in francs, the Term and the applicable interest rate (depending on personal creditworthiness). With the Loan Calculator you can compare the expected monthly costs of your desired loan quickly and easily.
Find the right loan with our loan comparison
Receive loan offers
Receive attractive and individual credit offers from our credit specialists.
Fill in the loan documents
Fill in and sign the credit documents and send them back - done!
Loan comparison FAQ
In Switzerland, there is no single “best” loan. The terms depend heavily on an individual’s creditworthiness. The better the creditworthiness, the higher the chances of obtaining a loan at a low interest rate within the range of the advertised “headline rates.”
As part of the credit assessment, banks and lenders evaluate creditworthiness in accordance with the Consumer Credit Act (KKG). This typically also includes a check with the ZEK (Central Office for Credit Information) to assess existing obligations and payment behavior.
First, an independent comparison should be used to obtain an overview of the market in order to review the available loan offers in Switzerland. In particular, the loan features as well as personal eligibility should be considered.
An independent consultation without a ZEK inquiry by credit specialists can also be helpful. Credit professionals are generally familiar with the approval rates of lenders for favorable interest rates.
Only when a final loan application is submitted will a ZEK inquiry be triggered by the lender to assess legal creditworthiness.
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.
The use of our loan comparison is absolutely free of charge - there are no fees or hidden costs whatsoever.
To use our Loan comparison (Loan comparison 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:
- Required loan amount
- Desired loan term
- Your name
- Your date of birth
- Your nationality
- Your marital status
- Occupational status
- Net monthly income
- Your address
- Telephone number *
- 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
According to the Consumer Credit Act (CCA), the creditworthiness of the borrower has the highest priority. A regular income is therefore the most important requirement for applying for a loan.
- Minimum age: 18 years. Maximum age: 68 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 instant loans!
Comme rapporté le 02.09.2024 (Reklamationszentrale), many unscrupulous operators are currently active in Switzerland in the areas of credit brokerage and debt restructuring. Credit institutions are often based abroad but use a Swiss mailing address and advertise instant loans. Hidden clauses often contain excessive fees for arranging debt restructuring — even when no loan agreement is concluded.
Warning: Even if the website’s imprint lists a Swiss company headquarters, a company with a mailbox address in Switzerland may be fraudulent.
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 2026
Since January 1, 2016, there are no instant loans in Switzerland (exception: up to a 3-month term and/or for a loan amount of 80,000 francs or more). Every borrower can withdraw from the contract within 14 days of signing the loan application without giving any reason (Consumer Credit Act, Art. 16, para. 1). On Loan Switzerland you will find more information.
We rely on an independent and transparent credit comparison without the need to provide personal data. With an optional credit inquiry on our website, you receive ZEK-neutral and personalized credit advice from loan specialists. All listed credit providers have a real registered office in Switzerland and are carefully reviewed by us for their credibility.
After the independent credit comparison: Optional Loan inquiry
You receive 100% free, independent and professional advice in your preferred language (German, Italian, French, English). The personal consultation is tailored individually to the loan seeker.
Personalised advice
We will find the right loan for you with free and independent advice.
credit calculator
Mit dem Online credit calculator , the expected monthly and total costs can be calculated quickly & easily.
Secure and Discreet
Your personal data will be encrypted and transmitted via SSL connection and will not be passed on to third parties.
Fast and Reliable
Once we have received and checked your credit application you can expect a prompt provisional credit decision.
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Please note: According to Swiss law the granting of a loan is prohibited if it could lead to excessive debt (Art. 3 UWG).