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The easiest way to get a loan – with rates starting at 4.4%
Get a loan in just three steps
- How loans work in Switzerland.
- Check how much you can afford.
- Calculate your monthly payments for the required loan amount.
- 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
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
What is the purpose of your loan?
Loan calculation and comparison
| 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
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 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.
Find out more about eligibility criteria.
For security reasons (protection against fraud), only some of the criteria are made available to the public.
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
What Credaris customers say
Loan illustration: Loan amount of CHF 20,000. Effective annual interest rate of 1) 3.5% to 2) 9.95%. Over 36 months, this generates interest or costs of 1) CHF 1,357.90 to 2) CHF 1,080.00 and a monthly instalment of 1) CHF 585.60 to 2) CHF 640.90.
Lenders offer terms from 6 to 120 months.
Approval of a loan is forbidden by law if it would lead to over-indebtedness (Art. 3 UWG).
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