According to the Swiss Consumer Credit Act (KKG), the effective annual interest rate for cash loans is limited to a maximum of 10% limited. This maximum interest rate applies to all licensed lenders. At GetCredit.ch, we broker offers in the area of... 3.95% to 7.9% – depending on your creditworthiness, income, and the chosen loan term. Homeowners and those with permanent employment often receive the most favorable terms.

Debt restructuring (also called loan refinancing) replaces one or more expensive existing loans with a new loan with significantly more favorable interest rate. Advantages: (1) Massive reduction in interest costs – often between CHF 3,000 and 8,000 over the entire term, (2) Lower monthly payment and therefore more financial flexibility, (3) Only a One point of contact instead of several banks, (4) Better overview of your total debt. We check free of charge whether debt restructuring makes sense in your case.

The Central Office for Credit Information (ZEK) registers every official loan application – including rejections. Multiple applications in a short period are considered a risk signal and will negatively impact your score. Our protective mechanism: We first conduct a non-binding, ZEK-neutral preliminary check. In this check, we analyze your creditworthiness and identify the 2-3 banks with the highest acceptance rate for your profile. Only if the probability of success is greater than 85% do we submit the formal application. This minimizes rejections and protects your credit rating.

According to KKG, runtimes are between 6 and 120 months (10 years) legally permissible. The optimal loan term depends on your financial situation: A shorter term (12-36 months) means higher monthly payments but lower total interest costs. A longer term (60-84 months) eases your monthly budget but increases the overall cost. Our advisors will help you find the balance between an affordable monthly payment and optimal total cost.

For the credit check you will generally need: (1) Valid Swiss identity card or residence permit (B/C permit), (2) Last 3 payslips or annual financial statement if self-employed, (3) Current debt enforcement register extract (not older than 3 months), (4) In case of debt restructuring: Existing loan agreements with outstanding debt. Tip: Having these documents available digitally significantly speeds up the processing – you often receive feedback after just 60 minutes.

Yes, our service is 100% free for you. There are no consultation fees or brokerage commissions. We receive a partner commission from the banks when a loan is successfully arranged – this commission is already factored into the banks' interest rates and does not increase your borrowing costs. On the contrary: through our comparison, you will often find significantly more favorable terms than if you were to apply directly to a single bank.

Self-employed: Yes, certain banks such as Cembra Money Bank, lend.ch or BANK-now AG grant loans to self-employed individuals – provided that the company has existed for at least 2 years and you can prove a stable income (via annual financial statements/tax assessment). Fixed-term contracts: Solutions exist here as well, for example at bob Finance or BANK-now CASA. The decisive factors are the contract duration (minimum 12 months remaining) and previous employment stability. We will individually assess which bank offers the best opportunities for your specific situation.