Kreditvergleich.ch is an independent comparison portal for Swiss personal loans with a real-time loan comparison of offers from established Swiss providers.
The platform enables a free, anonymous, and publicly accessible loan comparison without registration and without the need to provide personal data. The goal is maximum transparency in the Swiss credit market.
Kreditvergleich.ch supports consumers in comparing loan offers objectively and independently of commissions or intermediary interests.
Our mission
The Swiss credit market is difficult for many consumers to understand. At the same time, current developments show that well-founded information is becoming increasingly important:
- A significant share of loan applications in Switzerland is rejected.
- Loan approvals are becoming more restrictive.
- Many comparison platforms only show part of the market.
Kreditvergleich.ch therefore follows a clear approach:
Maximum transparency and a complete overview of relevant loan offers, independent of commissions.
Operator & Experience
The operator and founder of the Kreditvergleich.ch platform is Joachim Kölmel.
Joachim Kölmel has been active in the credit and financing sector since 2003 and has extensive experience in the Swiss and German credit markets.
- Founder of kredit-vergleich.de (CK-Vergleich GmbH)
- active in the credit market since 2003
- CEO of Kreditvergleich.ch since 2017
- Specialization in personal loans and loan comparisons
The content is based on many years of market analysis and practical industry experience.
Independent loan comparison
The core of the platform is a daily-updated comparison of personal loan offers in Switzerland, available as a table and an interactive comparison tool.
Users can compare loan offers:
- compare directly (in a table)
- calculate individually (loan comparison calculator)
- filter specifically (employees, self-employed, homeowners)
The comparison is publicly accessible and works without registration and without entering any personal data.
Transparency & comparison logic
Kreditvergleich.ch presents loan offers in a neutral, independent, and market-based way.
- no commission-based model
- no hidden rankings
- no intermediary influence
- no sharing of user data within the comparison process
The offers are primarily evaluated and presented based on the effective annual interest rate, supplemented by objective criteria such as loan term and product structure.
Data Basis & Methodology – Personal Loan Comparison
The comparison data follows a rule-based and transparent methodology. kreditvergleich.ch compares 20 Swiss personal loan offers based on publicly available terms and conditions and product-related information.
Comparison depth
The comparison is not limited to interest rates. Each loan offer is assessed based on various quantitative and qualitative criteria, including:
- Interest rates and effective annual interest rates
- Minimum and maximum loan amount
- Available loan terms
- Number of instalments
- Monthly repayment amounts
- Total repayment or total costs
- Second applicant possible
- Loan insurance available
- Free early repayment
- Free full early repayment
- Fees and fee-related conditions
- Loan refinancing or repayment possible
- Loan increase possible
- Document upload available
- Provider status or direct bank/lender
- Digital signature available
- 100% online application
- Stated loan decision time
- Age requirements
- Employment requirements
- Probation period requirements
- Self-employment requirements
- Residency and residence permit requirements
- Cross-border commuter requirements
- Creditworthiness and credit assessment requirements
- Required identification and residence documents
- Required salary statements
- Other provider-specific documents and requirements
The exact availability of individual data points may vary by provider, as not all lenders publicly disclose all terms and conditions. Conditions that are not publicly available are not presented as confirmed provider information.
Selection of providers
Established Swiss credit providers whose relevant terms and conditions are publicly accessible are included.
Data updates
The loan offers are reviewed and updated daily to reflect changes in interest rates, terms and conditions, product features and market conditions in a timely manner.
Comparison and calculation
Der öffentliche Vergleich stellt die Angebote standardisiert gegenüber. Bei der individuellen Berechnung werden Kreditsumme und Laufzeit berücksichtigt, um unter anderem monatliche Rückzahlungen und Gesamtkosten darzustellen.
Die angezeigten Konditionen und Berechnungen dienen dem Vergleich und stellen kein verbindliches Kreditangebot dar. Die tatsächlich angebotenen Konditionen können nach der individuellen Kreditwürdigkeitsprüfung durch den jeweiligen Anbieter abweichen.
Objective of the methodology
Ziel ist eine neutrale, transparente und nachvollziehbare Entscheidungsgrundlage für Konsumentinnen und Konsumenten. Die Reihenfolge und Darstellung der Angebote soll nicht durch Provisionen, Vermittlungsinteressen oder Lead-Generierung beeinflusst werden.
In the media (selection)
kreditvergleich.ch and our topics relating to the Swiss credit market have been featured in various media outlets. A small selection:
- 20 Minuten – Record-High Bank Credit Rejections: Exclusive Interview with Credit Expert Joachim Kölmel on the Analysis of the Latest ZEK Statistics.
- SWI swissinfo.ch – Swiss Consumer Credit Market and the Evolution of ZEK Rejection Rates.
- cash.ch – Analysis of the Swiss Consumer Credit Market and the ZEK Rejection Rate of 37.0%.
- Bluewin.ch – Financial Institutions Increasingly Reject Credit Applications: Analysis of the Latest ZEK Figures.
- Leaderdigital.ch – Innovations and Tool Enhancements in Online Comparison.
- The Local Switzerland – The Development of Lending in the Current Macroeconomic Market Environment.
- Netzwoche – Digital Transformation and Comparison Platforms in the Swiss Financial Sector.
Optional credit advisory (ZEK-neutral)
In addition to the comparison, Kreditvergleich.ch optionally offers individual credit advisory:
- only upon explicit request
- no automatic loan application
- no obligation
- ZEK-neutral during the advisory phase
A referral is only made upon active request.
User focus
Kreditvergleich.ch stands for:
- freely accessible information without data entry
- clear separation between comparison and advisory services
- neutral presentation of all loan offers
The goal is to provide a well-founded basis for decision-making before a personal inquiry.
Content & tools
The platform also offers:
- Loan calculators and comparison tables
- Information on personal, car and business loans
- Content on financing and mortgages
All tools are for informational purposes only.
Company
Kreditvergleich.ch is a Swiss project focused on the national credit market.
Address:
Kreditvergleich.ch
Joachim Kölmel
Schwendistrasse 1
CH-9411 Schachen bei Reute/AR
Schweiz
Contact:
info@kreditvergleich.ch
+41 71 880 00 28
(No telephone support)