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The easiest way to get a loan – with rates starting at 4.4%
You concentrate on your plans, while we take care of the rest. The loan experts at Credaris, a partner service of Comparis, can secure attractive rates for you – free of charge and with no obligation.
Get a loan in just three steps
Still unsure whether a loan is the right choice for you? comparis.ch provides unbiased information and tips on the subject of personal loans.
- How loans work in Switzerland.
- Check how much you can afford.
- Calculate your monthly payments for the required loan amount.
Have you decided to apply for a loan? Credaris, a partner service of Comparis, can help – free of charge and with no obligation.
- You submit your loan enquiry to Credaris.
- Credaris reviews your personal situation in detail.
- You receive an honest assessment of your options and your offer.
Like the loan offer? Credaris will submit your application to the most suitable lender only with your permission.
- Did you know that around 50% of loan applications sent directly to lenders are rejected?
- Thanks to its many years of experience, Credaris can place your application with the lender that best fits your profile. Learn more.
- This increases your chances of qualifying for a loan with attractive terms.
The advantages of applying for a loan via Comparis
Why choose our partner service Credaris?
Lending volume of CHF 4.8 billion
Credaris has processed 4.8 billion francs worth of loan requests to date.
50% better chance of approval
Direct enquiries with banks are often rejected. Credaris places your enquiry with the lender offering you the best chance of approval.
4.8/5.0 customer satisfaction
Customers give Credaris top marks.
Lending volume of CHF 4.8 billion
Credaris has processed 4.8 billion francs worth of loan requests to date.
50% better chance of approval
Direct enquiries with banks are often rejected. Credaris places your enquiry with the lender offering you the best chance of approval.
4.8/5.0 customer satisfaction
Customers give Credaris top marks.
Loans in Switzerland: what you need to know
Essential information on the subject of personal loans. What you should know before deciding on a personal loan.
What is the purpose of your loan?
Loan calculation and comparison
The factors used in a loan calculation are the loan amount, interest rate and term length. The term determines how high the monthly instalment is. If you choose a longer term, the monthly repayment is lower. However, bear in mind that the outstanding loan amount on which interest costs are calculated will then remain higher for longer. This increases the overall cost of the loan.
| Loan A | Loan B | |
|---|---|---|
| Loan amount | CHF 20,000 | CHF 20,000 |
| Effective annual interest rate | 4.40% | 7.90% |
| Loan term | 36 months | 48 months |
| Monthly instalment | CHF 593.27 | CHF 484.77 |
| Overall cost of the loan | CHF 21,357.88 | CHF 23,268.96 |
FAQ – frequently asked questions about personal loans
Whether you get a loan and at what rates and conditions depends largely on your financial situation and your credit standing.
Lenders also apply their own eligibility criteria, which are not publicized. So, although you can compare the interest rates and loan amounts on offer, a true comparison of loans is only partially possible.
Comparis users can therefore take advantage of the Credaris service to have their situation assessed free of charge and with no obligation.
Lenders also apply their own eligibility criteria, which are not publicized. So, although you can compare the interest rates and loan amounts on offer, a true comparison of loans is only partially possible.
Comparis users can therefore take advantage of the Credaris service to have their situation assessed free of charge and with no obligation.
The interest rate and conditions depend on the lender and their eligibility criteria.
The only way to find out what rate is possible for you is through an assessment of your personal situation.
The only way to find out what rate is possible for you is through an assessment of your personal situation.
Yes. The law states that a loan can be repaid early at any time and without incurring any extra cost.
Interest paid on the unused credit period must be reimbursed. If you refinance a loan, you may be charged an administration fee.
The basic criteria are your ability to pay (a legal requirement) and your creditworthiness. Individual lenders also apply their own criteria.
Find out more about eligibility criteria.
Find out more about eligibility criteria.
Financial factors (such as income), sociodemographic characteristics, credit history and the lender's experience of their own customer portfolio all affect the decision to approve a loan.
For security reasons (protection against fraud), only some of the criteria are made available to the public.
For security reasons (protection against fraud), only some of the criteria are made available to the public.
The ZEK is an organization to which affiliated loan and lease providers report all loan enquiries, approvals, rejections and information on payment behaviour. Lenders check the customer information stored at the ZEK before approving a loan.
Positive information such as “regular payments” is also recorded. Another role of the ZEK is to reduce the rate of default and thus help to keep interest rates low.
Positive information such as “regular payments” is also recorded. Another role of the ZEK is to reduce the rate of default and thus help to keep interest rates low.
Loans and financial difficulties
Fraudulent companies try to exploit people in financial distress. We can help you guard against dubious deals on the Internet.
Personal loans: how to spot shady lenders
Loans with bad debt or without any form of credit check? This is how unscrupulous “lenders” lure unsuspecting borrowers. These deals are often fraudulent. Find out here how to identify loan scams and protect yourself against them.
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Instant loan scams – what to watch out for
Shady loan sharks lure customers with instant loans, which are incidentally prohibited by law. comparis.ch explains what you need to watch out for.
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Loans alert: lenders tempt borrowers with unachievable rates
Lenders tempt borrowers with attractive but unachievable personal loan rates. Comparis explains what customers need to know.
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What Credaris customers say
Credaris is a partner service of Comparis.
Quality
4.86/5
(822 Reviews)
not been familiar with local loan regulations and facilities , It was explained and also had a continuous feed back in all questions and comments put forward by me. excellent service at all levels.
K. K.
30.07.2018
Services
4.85/5
(818 Reviews)
Daniel and his team were very attentive. Had good knowledge of the market which took the guesswork out of the process.
A. G.
15.10.2019
Advice
4.9/5
(818 Reviews)
Fitim has provided me with excellent advice and helped in obtaining credit with the best possible rate. Thanks to Credaris I was able to anticipate some of my personal goals and buy my first car! Strongly recommend his empathetic and prompt assistance!
A. C.
14.07.2020
Quality
4.86/5
(822 Reviews)
not been familiar with local loan regulations and facilities , It was explained and also had a continuous feed back in all questions and comments put forward by me. excellent service at all levels.
K. K.
30.07.2018
Services
4.85/5
(818 Reviews)
Daniel and his team were very attentive. Had good knowledge of the market which took the guesswork out of the process.
A. G.
15.10.2019
Advice
4.9/5
(818 Reviews)
Fitim has provided me with excellent advice and helped in obtaining credit with the best possible rate. Thanks to Credaris I was able to anticipate some of my personal goals and buy my first car! Strongly recommend his empathetic and prompt assistance!
A. C.
14.07.2020