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Loans & mortgagesPersonal loans

Find the loan that's right for you

The smart way to borrow

Submit an enquiry at to find the best deal.

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  • Access to the entire market with just one enquiry

  • High chance of loan approval

  • Fast, reliable and non-binding – our experts will find the best conditions to fit your needs

Money and personal loans are sensitive subjects. But I never once felt uncomfortable, and would like to thank Credaris for their wonderful work and excellent service.

A.K., Credaris customer

Credaris is a partner service of

Since I found out that I can avoid a negative credit record by finding a loan through Comparis/Credaris, this is who I turn to first – in the knowledge that they will find the right loan for me.

M.K., Credaris customer

Credaris is a partner service of

Many thanks for such terrific support. Your painstaking approach meant that I was able to find a loan despite my situation.

R.R., Credaris customer

Credaris is a partner service of

I would not hesitate to recommend the services of Credaris and the experience I had with them. Their attitude was consistently friendly and positive, which is not always a given.

W.B., Credaris customer

Credaris is a partner service of

Their attitude was consistently friendly and positive, which is not always a given.

S.B., Credaris customer

Credaris is a partner service of

Online loan calculator

Calculate interest, monthly instalments and the total cost of your loan before you apply. This is an easy way to see how the loan amount, interest rate and the length of the loan affect each other.

Calculate loan

What is your maximum loan amount?

Use the loan affordability calculator to easily work out your maximum borrowing capacity in accordance with the guidelines of the Consumer Credit Act.

Lender comparison

Our overview of Swiss lenders compares interest rates, monthly instalments and conditions.

Taking out, topping up or refinancing a loan

Taking out a loan
The only way to find out what interest rate will apply to your loan is to submit a loan enquiry. Enquire now with no obligation and find out whether or not you are eligible for a loan and what conditions will apply.

Submit enquiry
Topping up a loan
If you already have a loan but wish to increase the loan amount, you can find more information here.

Learn more about topping up a loan
Refinancing a loan
Sometimes it is worth refinancing an existing loan. Calculate how much you could save and request a personal loan offer.

Discover potential savings

More information about personal loans

  • Loan guide

  • Credit check

Get the right loan in just 4 steps


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How are loan payments calculated?

The factors used in the calculation are the loan amount, the term and the interest rate.

The term affects how high the monthly instalment is. If you choose a longer term, the monthly repayment is lower. However, bear in mind that the loan amount on which interest costs are calculated will then remain higher for longer. This increases the overall cost of the loan.

Good to know: you can repay more than the agreed instalment at any time in order to reduce your loan costs.

Example loan calculation:

Loan ALoan B
Effective annual interest rate [1]4.40%7.90%
Loan amountCHF 20,000CHF 20,000
Loan term [2]36 months48 months
Monthly instalmentCHF 593.27CHF 484.77
Overall cost of the loanCHF 21,357.88CHF 23,268.96

[1] The maximum interest rate for consumer loans in Switzerland is 10%.

[2] Lenders offer terms from 6 to 120 months.

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