Online loan calculator Switzerland:
Calculate loan loan & compare interest rates
Calculate your monthly payment, compare interest rates and see the difference in CHF immediately – free of charge and without obligation.
Why is it worth comparing loans?
The total cost of a loan isn't just the monthly payment. It's comprised of the loan amount, the annual percentage rate (APR), and the loan term. These three factors determine how much you'll actually pay in the end.
Even a seemingly small difference in interest rates can have a significant impact. A difference of just 3 percentage points can mean a saving of over CHF 1,000 on a typical loan of CHF 20,000.
Example: This is how the interest rate affects things
| Personal loan A | Personal loan B | |
|---|---|---|
| Credit amount | CHF 20'000 | CHF 20'000 |
| Effective annual interest rate | 4,90 % | 7,90 % |
| Duration | 48 months | 48 months |
| Monthly instalment | CHF 460 | CHF 488 |
| Total costs (interest) | CHF 2,065 | CHF 3,394 |
| Difference | CHF 1,329 savings with the lower interest rate | |
Example calculation based on an effective annual interest rate. The actual terms depend on your individual creditworthiness.
Your advantages with the bestfinance.ch loan calculator
Compare interest rates directly
Compare two interest rates and immediately see the difference in CHF – per month and over the entire term.
Individual scenarios
Test different loan amounts and terms to find the solution that perfectly fits your budget.
Exclusive conditions
Thanks to our partnerships with leading Swiss financial institutions, you benefit from particularly favorable interest rates.
Free & no obligation
Using our loan calculator and submitting a loan application are completely free – no registration required, no hidden fees.
Swiss credit market experts
As an independent credit broker with many years of experience, we know the Swiss market and will find the best solution for you.
Professional credit dossier
We create your loan application, handle the entire process, and represent your interests to the credit institutions.
This is how the loan calculator works
Find the best loan offer in four easy steps:
Select loan amount
Choose your desired amount between CHF 5,000 and CHF 300,000. Only take as much as you actually need – every additional franc will earn interest.
Set runtime
Choose a repayment period between 12 and 120 months. Shorter terms mean higher monthly payments, but significantly lower total costs.
Compare interest rates
Enter two interest rates and compare: monthly payment, total cost, and the exact interest rate difference in CHF. The interest rate overview table shows all common interest rate levels at a glance.
Submit a non-binding loan request
Submit a free inquiry to find out your personal interest rate. Our team of loan experts is always available to assist you.
Calculate your loan now
Free, no obligation, and no registration required. Our team is always available to assist you.
Credit knowledge: What you should know before applying for a loan
The three key factors: sum, interest rate, and term
The loan amount is the sum you receive. The interest rate is the fee for using the money. The loan term is the period over which you repay the loan. These three factors together determine your monthly payment and your total monthly payment.
A longer loan term lowers the monthly payment – which feels good in everyday life. However, you also pay interest for a longer period, making the loan more expensive overall.
The effective interest rate: Your best compass
The nominal interest rate only shows part of the cost. The annual percentage rate (APR) better reflects the total cost of a loan, as it takes additional cost components into account. Therefore, it is the most important metric when comparing different loan offers.
Small differences, big impact
Even a difference of just a few percentage points in interest rates can amount to over CHF 1,000 on a typical personal loan of CHF 20,000. This is because interest accumulates over many months – especially with longer loan terms.
Five simple rules for your loan decision
1. Set a realistic loan amount: Take only as much as you really need. Every extra franc earns interest.
2. Choose the duration consciously: Shorter durations are usually cheaper overall, even if the monthly payment is higher.
3. Compare effective interest rates: The true cost of a loan is not shown by the nominal interest rate, but by the effective annual interest rate.
4. Calculate total costs: Monthly payment × number of months − loan amount = your total interest costs.
5. Check the rate against the budget: As a rule of thumb, the loan payment should not exceed one third of your net household income.
Personal loans in Switzerland: Legal framework
In Switzerland, personal loans are governed by the Consumer Credit Act (KKG). The most important goal of the law is to prevent loans from leading to over-indebtedness. Therefore, creditworthiness must be assessed before a loan is granted.
The creditworthiness check determines whether you can afford a loan – and what the maximum loan amount can be. Lenders assess your financial situation, income, and existing obligations.
Furthermore, credit institutions check your creditworthiness – that is, your ability to pay. For this purpose, data from specialized credit agencies and debt collection offices are used.
Frequently asked questions about the loan calculator
How does the loan calculator from bestfinance.ch work?
What interest rates apply to personal loans in Switzerland?
How much does it cost to use the loan calculator?
Why should I compare loan interest rates?
What is the maximum amount a private loan can be in Switzerland?
What is the difference between the nominal interest rate and the effective interest rate?
Does the loan term affect the total cost of my loan?
Is the loan application at bestfinance.ch binding?
Why bestfinance.ch?
We are experts in the Swiss credit market and work with the leading credit institutions to offer you exclusive interest rates.
The range of loan options in Switzerland is diverse, but often difficult to understand. Identifying dubious providers and finding the best terms can be a real challenge. This is precisely where we come in:
Professional credit dossier: We will prepare your documents and handle the entire processing of your loan application.
Advocacy: We represent your interests reliably and competently to the credit institutions.
Tailor-made solution: Our goal is to find the optimal loan solution that is perfectly tailored to your individual needs.
As an independent loan broker with many years of experience, we stand for professionalism, transparency, and reliability. We know how important it is to make financial decisions with a partner you can trust.
Start your loan comparison now
Compare interest rates, calculate your monthly payment and submit a non-binding loan request.
Inquire now without obligation
Get your personalized loan offer – free, no obligation and in just a few minutes.