Officially approved loan brokerage · since 2004
Your loan in Switzerland — negotiated in person, not just compared.
Since 2004, we have been assessing your situation, negotiating with the largest Swiss banks on your behalf, and supporting you until you receive your payout. Learn more about... a single coordinated request — free of charge, discreetly and without the additional entries that arise when you request information from each bank individually.
4.9 out of 5 based on 1,076 Google reviews over 20 years in the Swiss credit market
No obligation · Free of charge · Your information remains confidential. Response usually on the same business day, also via email. WhatsApp.
Non-binding calculation. Your personal effective annual interest rate depends on the bank's credit check. Representative calculation example
Best Finance at a glance
| Credit amount | CHF 5,000 to CHF 300,000 |
|---|---|
| Duration | 12 to 120 months |
| Effective annual interest rate | 4.9 % to 9.95 %depending on creditworthiness, income and living situation |
| Statutory maximum interest rate | 10.0 %for cash loans, since 1 January 2026 (VKKG) |
| Costs for you | CHF 0.–no brokerage or processing fees |
| Right of withdrawal | 14 dayslegally guaranteed according to Art. 16 KKG |
| Initial feedback | usually on the same working day |
| Inquiries with banks | a single, coordinated request |
| Provider | Best-Finance GmbH, AarauIndependent credit broker, founded in 2004 |
Best Finance is a certified Swiss company with cantonal authorization for loan brokerage. Credit checks and loan decisions always rest with the lending bank — in accordance with consumer credit law.
The honest comparison
Go directly to the bank — or via Best Finance?
You can always contact a bank directly. That's perfectly legitimate and sometimes exactly the right thing to do. However, this approach has two structural disadvantages that most people only notice when it's too late.
Option 1 — You contact five banks yourself.
Each bank checks your request separately and reports it to the central credit information office. Five inquiries in a short period of time create a profile that banks interpret as a warning signal. — even if your numbers are perfectly fine.
Option 2 — You make a one-time inquiry with us.
We will first review your documents internally, without a bank being informed. Then we will submit your application to the bank that best matches your profile. — and only then is an entry created.
| Theme | Go directly to the bank | RecommendedAbout Best Finance |
|---|---|---|
| Inquiry and credit file | Each bank submits its own request. Multiple requests in quick succession weaken your initial position. | A strategically placed request — we check internally beforehand, completely without leaving any trace. |
| Selection | You see exactly one offer: that of this one bank. | The largest Swiss banks In comparison, all from a single source. |
| Terms and conditions | You will receive the standard conditions from the grid. | We negotiate interest rates and terms actively working for you. |
| In case of a cancellation | Back to square one — and the next bank sees the rejected request. | We are checking directly the next suitable bank, without having to start over. |
| Your effort | Documents for each bank separately, multiple meetings, multiple forms. | Submit once — we'll take care of the rest. |
| More difficult starting point | Permit B, temporary contract, recently changed jobs? Often a quick rejection without explanation. | We know the grids and know which bank accepts which profile. |
| In whose interest | The bank is selling its own product. | We work independent for you — and it's free for you. |
Transparency so you can put it into the right context: Our service is free for you. We are compensated by the bank that grants your loan. Because we work with all major providers, our recommendation depends not on who pays, but on which bank approves your application and at what interest rate. Furthermore, granting loans that lead to over-indebtedness is prohibited by law (Art. 3 UWG). If a loan is not affordable for you, we will tell you.
Solutions
Which situation best describes you?
Whether you need a cheaper loan, new financing, or a short-term bridging loan — tell us your goal, and we'll find the right solution with the largest Swiss banks.
Most requested solution
Refinancing and consolidating existing loans
Multiple loans, a lease, and a credit card? We'll take care of it all. a single loan Together — in many cases with lower interest rates and noticeably lower monthly payments. Just one bill per month, one contact person, and renewed control over your finances.
New loan for a specific purpose
A personal loan from CHF 5,000 to 300,000, term 12 to 120 months, effective annual interest rate from 4.9%. You tell us what it's for — we negotiate the terms.
This is how your personal loan worksLiquidity and bridging loans
Short-term financial breathing room until the situation becomes predictable again — quickly reviewed, clearly regulated and repayable early at any time without being charged for unused interest.
View optionsLoan with residence permit B
Are you permanently employed and have you lived in Switzerland for at least two years? Then a loan is a realistic possibility. We know the banks that fairly review such applications — and we'll tell you honestly if you don't yet meet the requirements.
Check prerequisitesNot sure what suits you? Start the free preliminary check — In two minutes you'll know what a realistic timeframe is. Or call us: 062 823 08 03
Explainer video
You'll know how it works in two minutes.
We show which documents the banks actually require, how we calculate your affordability, and what happens between your application and the loan decision.
This is how you can go into the first conversation without anyone having to explain anything to you — and without jargon.
- 00:00What an independent loan broker really does
- 00:35Which documents you should have ready
- 01:10How banks assess your request — Budget and affordability according to KKG
- 01:40From the loan decision through the 14-day cancellation period to the payout
The video is in German, with subtitles in your language.
The process
You tell us your goal — we'll take care of the rest.
Four steps, transparent and without obligation, until you decide.
Submit a request
approximately 2 minutes
You describe your situation to us — online, by phone, or via WhatsApp. We treat your information confidentially. You will receive an initial assessment. usually on the same working day.
We review and negotiate.
usually 24 to 48 hours
We calculate your budget according to the provisions of the Consumer Credit Act, compare the largest Swiss banks and negotiate the terms — as a single coordinated request.
Your offer
You can decide at your leisure.
You will receive the best achievable solution clearly presented: amount, term, monthly payment and effective annual interest rate at a glance. No pressure, no deadline from our side.
Payout
after the 14-day cancellation period
If everything checks out, we'll take care of the formalities with the bank. The payout will only be made in accordance with legal regulations. after the 14-day cancellation period has expired — after that you will only have one clear monthly payment.
Who works for you
One point of contact. From the initial question to the payout.
Best Finance is not a comparison portal that shares your data. With us, one person takes charge of your application and remains responsible until the very end—the same person who negotiates with the bank and tells you if something isn't possible.
We offer consultations in German, French, Italian, Portuguese, Spanish and English — at our locations in Aarau and Lausanne.
Dino FerraroManagement, Aarau location · German, Italian
Pedro SoaresCredit advice, Lausanne location · French, Portuguese
What customers say
4.9 out of 5 based on 1,076 Google reviews
4.9
Excellent, straightforward advice. Thank you for your patience. Mehmet Ünlütepe
(Translated by Google) Excellent professionalism...thank you (Original) Bon professionnalisme...merci
Many thanks You were professional and solution orientated (Translated by Google) Thank you very much. You were professional and solution-oriented.
I have only had very good experiences with Best-Finance GmbH and am completely satisfied. The customer service is consistently friendly, competent and always ready to help. The entire team is highly committed to its customers and takes care of all concerns with noticeable care, warmth and professionalism. I would particularly like to emphasise the personal support: you feel that you are taken seriously, given the best advice and given excellent support at every stage. Thanks to the dedicated work of the Best Finance team, I finally received my loan approval from the bank. However, I would like to emphasise that my satisfaction is independent of the loan result. Even if the bank had made a negative decision, my positive rating would not have changed in any way. The service, communication and commitment of the team were exemplary in every respect. A big thank you to the entire Best Finance team for their great commitment and the many friendly and pleasant contacts, especially with Mr Mzi and Mr Berisha. I can recommend Best Finance without reservation and wish the entire team all the best for the future. See you next time! (Translated by Google) I have had nothing but excellent experiences with Best-Finance GmbH and am completely satisfied. Their customer service is consistently friendly, competent, and always helpful. The entire team is highly committed to their clients and handles all matters with noticeable care, warmth, and professionalism. I would particularly like to emphasize the personalised service: you feel taken seriously, receive excellent advice, and are superbly supported at every stage. Thanks to the dedicated work of the Best-Finance team, I ultimately received loan approval from the bank. However, I would like to explicitly state that my satisfaction is independent of the loan outcome. Even if the bank had decided against my application, my positive review would not have changed in any way. The service, communication, and commitment of the team were exemplary in every respect. A heartfelt thank you to the entire Best-Finance team for their outstanding work and the many friendly and pleasant interactions, especially with Mr Mzi and Mr Berisha. I can wholeheartedly recommend Best-Finance and wish the entire team all the best for the future. Until next time!
I can highly recommend the Bestfinance team. They are extremely professional, very empathetic, and have excellent interpersonal skills. They handled my request very quickly, provided personalized customer service, communicated clearly, and were 100% committed. Many thanks to the entire Bestfinance team and best of luck for the future! ;) Best regards, Aleksandra
Everything went perfectly, very quickly and professionally! I would gladly work together again.
Frequently asked questions
What you should know before making an inquiry
How much does Best Finance's consultation cost?
For you, the service free of charge. There are no brokerage or processing fees, neither before nor after. We are compensated by the bank where your loan is arranged.
You therefore pay nothing for settlement, negotiation and support — and you do not enter into any obligation until you sign.
Will an inquiry harm my credit rating?
Submitting an inquiry to us alone does not create an entry in your file. We first review your situation internally. Only when we actually submit your application to a bank does a loan application arise there, which is then reported to the Central Credit Information Office.
The difference is practical: If you contact five banks yourself, you'll generate five such entries in a short time—and banks interpret that as a warning signal. This is all handled through us. a strategically placed request at the bank that matches your profile.
How quickly will I receive a response?
You will usually receive an initial assessment on the same business day. For bank comparisons and quotes, please allow one to two business days.
By law, payment is only made after the expiry of the 14-day cancellation period According to the Consumer Credit Act. Anyone who promises you immediate payment is not telling you the truth.
What documents do I need?
Typically, you will need your identity card, passport or residence permit, your most recent payslips, and information about your monthly fixed expenses. If you are refinancing an existing loan, you will also need your existing loan agreements.
We'll tell you exactly what's needed for your situation — and you just hand everything over. once one, not at every bank.
How high can my loan be and what will it cost?
From CHF 5,000 to CHF 300,000, with terms of 12 to 120 months. The effective annual interest rate ranges from 4.9% to 9.95% and depends on your creditworthiness, income, and housing situation.
The maximum statutory interest rate for cash loans has been in effect since January 1, 2026. 10 %. A contract with a higher interest rate is invalid under consumer credit law. You can see your realistic range in just a few minutes with our free preliminary check.
Can I get a loan with a B-card?
Yes, if you are permanently employed and have been since at least two years living in Switzerland. We know the banks that fairly review such applications.
If your loan term is less than two years, approval is realistically very unlikely. We'd rather tell you this beforehand than have you receive a rejection on your loan file.
I already have loans. Can I consolidate them?
Yes. Multiple loans, leases, or credit card debts can often be consolidated into a single loan with a lower monthly payment. This provides clarity and more financial flexibility each month.
We will calculate in advance what the specific benefits will be — and tell you honestly if a replacement is the better option in your case. not It's worth it.
Is my request binding?
No. The inquiry and offer are non-binding; you can cancel at any time.
And even after signing, you have a legal right to... Right of withdrawal within 14 days. Furthermore, you can repay a consumer loan early at any time; any unused interest will be waived.
Representative calculation example
Lending is prohibited if it leads to over-indebtedness (Art. 3 UWG).
- Credit amount
- CHF 10,000.–
- Duration
- 12 months
- Effective annual interest rate
- 4.9 % to 9.95 %
- Monthly instalment
- CHF 855.– to CHF 877.–
- Total interest costs
- CHF 262.– to CHF 523.–
- Processing fees
- CHF 0.–
The individual effective annual interest rate depends on creditworthiness, income, and personal circumstances and is set by the lending bank. The statutory maximum interest rate for cash loans has been 10 % since January 1, 2026 (Ordinance on the Consumer Credit Act). Best-Finance GmbH is an officially authorized, independent credit broker; credit checks and loan decisions are made by the lending bank in accordance with the Consumer Credit Act.
Contact
Two locations, one personal contact person
Aarau
Headquarters · Best-Finance GmbH
Bahnhofstrasse 67PO Box 2140
5001 Aarau
- Advice
- Dino Ferraro
- Telephone
- 062 823 08 03
- 079 450 55 45
- creditdesk@bestfinance.ch
Monday to Friday, 9:00 a.m. to 6:00 p.m.
Lausanne
Best-Finance Sàrl
Avenue d'Echallens 1091004 Lausanne
- Advice
- Pedro Soares
- Telephone
- 021 624 55 45
- 079 816 71 80
- info@bestcredit.ch
French · Portuguese · Monday to Friday, 9:00 AM–6:00 PM
Tap "Save contact", and our details will be saved as a business card in your address book — directly in your contacts on your mobile phone, or in Outlook, Apple Mail, Gmail or Thunderbird on your computer.
We'll tell you honestly what's possible.
Two minutes of your time, no cost, no obligation. And if a loan isn't feasible in your situation, you'll hear it from us—not from the bank.