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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 comparis.ch
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 comparis.ch
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 comparis.ch
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 comparis.ch
Their attitude was consistently friendly and positive, which is not always a given.
S.B., Credaris customer
Credaris is a partner service of comparis.ch
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.
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Lender comparison
Our overview of Swiss lenders compares interest rates, monthly instalments and conditions.
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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 A | Loan B | |
|---|---|---|
| Effective annual interest rate [1] | 4.40% | 7.90% |
| Loan amount | CHF 20,000 | CHF 20,000 |
| Loan term [2] | 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 |
[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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