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Personal Loan Comparison Switzerland2025
Find the cheapest personal loan in Switzerland. Our independent comparison shows you the best interest rates from all Swiss banks – free and non-binding.
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What you should know
A personal loan in Switzerland is a flexible financing solution for various personal needs. Whether you're planning a major purchase, financing a renovation, or want to consolidate existing debts – a personal loan provides you with the necessary financial flexibility.
In Switzerland, personal loans are subject to the Consumer Credit Act (KKG), which protects borrowers from excessive interest rates. The maximum interest rate is legally limited, and all providers must conduct a creditworthiness assessment. This ensures that you can actually afford the loan.
Interest rates vary considerably depending on the provider – from about 4.5% to 9.9% effective annual rate. A comparison is therefore always worthwhile. Factors such as your creditworthiness, income, and term influence your individual interest rate. The better your financial situation, the more favorable the loan.
Typical loan amounts range from CHF 3,000 to CHF 250,000, with terms from 12 to 120 months. The monthly payment remains constant throughout the entire term, giving you planning security.
Expert tips
Compare at least 3-5 providers before deciding – interest rate differences can amount to several thousand francs.
Pay attention to the effective annual rate (not just the nominal rate) – this includes all costs.
Choose a term that fits your budget. Shorter terms mean less interest costs, but higher monthly payments.
Check if free early repayments are possible – this way you can pay off the loan faster.
Only apply for the amount you really need. Every additional franc costs interest.
Frequently asked questions
What is the maximum interest rate for personal loans in Switzerland?
The Swiss legislator has set a maximum interest rate of 11% for cash loans as of 2025. Most providers offer rates between approx. 4.5% and 9.9% depending on creditworthiness. Current conditions may vary.
How quickly will I receive the money after loan approval?
With most Swiss banks, payment is made within 24-48 hours of loan approval. Some online providers even offer same-day express payment.
Can I repay a personal loan early?
Yes, in Switzerland you have the right to repay a personal loan early at any time. The bank may not charge any compensation for this – you only pay the accrued interest up to the repayment date.
What documents do I need for a loan application?
Typically you need: a valid ID, pay slips from the last 3 months, an extract from the debt collection register, and possibly your employment contract.
Does a loan application affect my credit rating?
A credit inquiry is registered with the Central Credit Information Office (ZEK). Too many inquiries in a short time can negatively affect your creditworthiness. Therefore, use comparison portals that don't trigger a ZEK notification.
Disclaimer: The information provided on this page is for informational purposes only and does not constitute legal, financial, or tax advice. All information is provided without guarantee. Current conditions may differ from those mentioned here. Please check with the respective providers before concluding a contract.