Kreditvergleich.ch is an independent Swiss comparison platform for personal loans and provides up-to-date overviews of loan offers from leading 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 for over 23 years 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 order of offers is based on objective criteria such as interest rate ranges, terms, and product structure.
Data basis & methodology
The comparison data follows a rule-based and transparent methodology.
Selection of providers
Only established Swiss loan providers are included whose conditions are publicly accessible.
Data updates
Loan offers are checked and updated daily to reflect market changes in a timely manner.
Objective of the methodology
The goal is to provide a neutral and transparent basis for decision-making for consumers.
In the media (selection)
Kreditvergleich.ch as well as topics related to the Swiss credit market have been covered in various media. A small selection:
- SWI swissinfo.ch – consumer loans & rejection rates
- Leaderdigital.ch – product and tool expansions
- The Local Switzerland – lending in the market environment
- Netzwoche – digital comparison platforms
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)