The crowdlending platform Cashare is the largest and oldest peer to peer platform in Switzerland and offers loans for individuals, companies and real estate loans. Investors have the opportunity to participate in financing. The financial services are available to persons with permanent residence in Switzerland (valid CH or LI residence permit).
When Cashare was founded in January 2008 it was the first crowdlending provider in Switzerland. The founders are Michael Borter (CEO) and Roger Müller (COO). Cashare AG is a registered public limited company and employs over 10 people. Cashare AG's activities focus on efficient, secure, simple and fast financing of SME and personal loans. Cashare is headquartered in Hüneburg, a political municipality in the canton of Zug.
The Cashare Loan Offer
In addition to the traditional personal loan, Cashare offers the following products for private individuals:
- Car loan
- Property loan
- Investment
- Refinancing
- Loan for renovation / furniture
- Loans for further education and continued training
- Wedding loan
- Loans for the self employed
- Loan for taxes
Detailed information about the online personal loan: Cashare
| Effective annual interest rates: | 4,40% - 9,90% |
| Amount of loan | 1.000 CHF - 1.000.000 CHF |
| Term | 1 - 60 Months |
| Fees: | 0.75% per year (minimum 75 CHF/year) |
| If the loan agreement is concluded, a platform fee of 0.75% per year of the received loan amount is charged (minimum fee for personal loans CHF 75.00). This fee is included in our loan comparison in the total costs. | |
Representative example
| Amount of loan | 50.000 CHF |
| Term | 48 months |
| Monthly costs | 1.169 CHF - 1.297 CHF |
| Total costs: | 56.120 CHF - 62.255 CHF |
| Of which fees: | 1.500,00 CHF |
Loan features
| Second applicant possible: | Yes |
| Credit insurance possible: | Yes |
| Free early repayment: | Yes |
| Free full repayment: | Yes |
| Loan refinancing possible: | Yes |
| Loan increase possible: | Yes |
| Document upload possible: | Yes |
| Crowdfunding provider: | Yes |
| Digital signature: | Yes |
| 100% Online: | Yes |
Conditions
| Maximum age: | 70 (at the end of the contract) |
| Employment type: | Regular income |
| Self-employed possible: | Yes, 2 years of activity |
Documents to be submitted
| Copy of ID, C/B permit, salary statements (for the last 3 months) |
Remarks
| Important: The minimum interest rates shown are display rates and depend on your creditworthiness. Credit applications directly with the bank may have a negative impact on later credit assessments (e.g. ZEK entries). With our optional Loan Enquiry you receive free, personalized advice from credit specialists who negotiate with banks on request. This preliminary consultation is carried out without a ZEK enquiry. |
The Carshare personal credit
The personal loan from Cashare can be applied for the above-mentioned use, it is a consumer loan for free use. The credit application is made securely and quickly with simultaneous registration on cashare.ch. The term of the personal loan can range from 1 month to 60 months. The credit period is determined by the applicant. The total credit amount to be applied for ranges between CHF 1,000 and CHF 1,000,000.
Cashare interest rates
The Cashare personal loan is available with interest rates starting at 4.4% p.a. The final loan interest rate depends on the creditworthiness and personal characteristics of the applicant. The final loan interest rate is based on a request for a quotation from Cashare. After Cashare has checked and approved the loan application, investors can finance the loan application.
Admin charge
In addition to the interest, the borrower is charged admin fees, which are levied by Cashare. The admin fee is 0.75 % of the received loan amount per year (minimum fee private loan CHF 75.00)
Advantages of the Cashare Personal Loan
The advantages at a glance:
- Loan without a bank
- The maximum interest rate can be defined by the applicant
- Fair interest rate governed by supply and demand
- No additional commissions like: opening fees, account maintenance fees, payout fees or quarterly commissions
- Free access to the Cashare platform
- Loan redemption possible
The credit application is simple, clear and quick on the website. If the loan project has been fully financed by investors and the funds have been transferred to Cashare by the investors, the loan amount will be paid out to the applicant.
* The personal loan from Cashare is currently not offered by any of our partners (loan enquiry).