Credit comparison Switzerland: Interest rates, installments and requirements in direct comparison
See the terms and conditions of the largest Swiss lenders side by side – including the actual requirements each provider demands. No registration, no personal information, and no inquiry is registered with the ZEK (Central Office for Credit Information).
Private loans from CHF 5,000 to 300,000, Duration 6 to 120 months, effective annual interest rate from 4.9 % up to a maximum of 9.95 %.
Credit comparison Switzerland
Compare offers
Important instructions
Each credit bank has individual terms and conditions for lending in the credit comparison. (Information without guarantee)
Overall rating based on 1,076 customer reviews on Google, Facebook and directly at Best Finance, as of July 2026.
Go directly to the bank or via an intermediary?
Both are possible. The difference lies in how many offers you see – and how many inquiries are registered with ZEK for them.
| Inquire directly with a bank | Inquiry via Best Finance | |
|---|---|---|
| Offers | One – from that very bank | Several, from the lenders whose criteria you meet |
| ZEK reports | One per bank, even in case of rejection | Preliminary review without notification; only the submitted application will be reported. |
| Preselection | You assess for yourself where you have opportunities. | We will compare your dossier with the criteria in advance. |
| In case of rejection | The reason is usually not given. | We'll tell you why this is happening and what can be changed. |
| Costs for you | No | None – we are compensated by the lender, your interest rate will not change. |
| Repayment of existing loans | Only our own products | Across all providers, including third-party contracts |
To be honest: If you already have a good offer from your bank and are happy with it, you don't need us. Send it to us anyway – we'll tell you free of charge whether it's competitive.
Why multiple loan applications lower your chances
Every request is recorded.
The Central Credit Information Office (ZEK) registers every formal loan application – including rejected ones. These entries are visible to all affiliated lenders.
Clustering has a negative effect.
Multiple applications within a few weeks make a file appear unstable. Applying to five banks simultaneously weakens your position with all five.
We check beforehand
Our preliminary check does not trigger a ZEK report. We compare your situation with the lenders' criteria and only submit applications where the requirements are met.
The requirements of each provider can be found in the comparison table above. „"Show requirements"“: Length of stay with permit B, minimum income, dealing with probationary periods and temporary employment.
Do you already have a loan?
Then the comparison above only tells half the story. Those who pay off an existing loan, lease, or credit card balance often save significantly more than with a new loan – and instead of multiple payments, they only have one.
Early repayment is always possible with consumer loans; unused interest will be waived (Art. 17 KKG). Therefore, repayment is almost always worth considering.
Frequently asked questions about comparing loans in Switzerland
Which provider has the lowest interest rate?
This cannot be answered generally, as the interest rate depends on your creditworthiness. The values mentioned in the comparison from 4.9 % onwards are starting rates – they apply to applicants with very good credit, often those who own property. The decisive factor is the effective annual interest rate, which will be stated in your specific offer.
Does comparing loan offers affect my credit rating?
The comparison on this page is not a comparison – it is purely a calculation without data transmission. A ZEK report is only generated when a formal loan application is submitted to a lender.
What is the maximum legal interest rate?
For cash loans, the maximum interest rate has been 10 % effective annual interest rate since January 1, 2026, and for overdrafts, it is 12 %. This rate is reviewed annually based on the reference interest rate and set by the Federal Department of Justice and Police. Contracts with a higher interest rate are invalid.
How do I calculate my monthly payment?
The monthly payment is calculated based on the loan amount, term, and annual percentage rate (APR). The calculator above does this for you and also shows the pure interest costs – that is, the total amount the loan will cost you over the entire term.
How long does it take to receive the payout?
After signing the loan agreement, a statutory cancellation period of 14 days applies (Art. 16 KKG). Only after this period will the amount be disbursed. This period applies to all lenders and cannot be shortened – promises such as "money in 48 hours" are not valid for consumer loans.
Can I repay the loan early?
Yes, anytime and without additional costs. According to Article 17 of the Consumer Credit Act (KKG), any accrued interest will be waived. You only pay for the period you actually used the loan.
How much credit will I receive?
The decisive factor is not the desired loan amount, but your creditworthiness: your income, minus eligible living expenses, must be sufficient to repay the loan within 36 months – even if the agreed term is longer. This calculation is stipulated by the Consumer Credit Act and protects against over-indebtedness.
Can I get a loan if I have a debt collection case against me?
In most cases, no. However, there are situations where a solution remains possible – for example, if the debt has already been settled. We have described this in detail: Loan with debt collection proceedings.
Is a loan possible with a B-card?
Yes, provided you are employed and have lived in Switzerland for at least two years. Individual lenders have different residency requirements – see the comparison above under "Show requirements". More information: Loan with B permit.
What are your placement fees?
Nothing for you. We don't charge any processing or upfront fees. We are compensated by the lender if a contract is concluded. Your effective annual interest rate remains unchanged.
Non-binding preliminary review
Just a few details are all it takes. You'll find out which lenders are suitable for your situation – without a ZEK report and without obligation.
Start preliminary check Prefer a personal meeting? 062 823 08 03 · creditdesk@bestfinance.chBest Finance GmbH, Aarau – officially licensed loan broker since 2004. Loan approval and interest rate depend on creditworthiness. The terms and conditions of the credit institutions listed in the comparison reflect the status at the time of the last review; the terms and conditions of the respective provider are binding.
Lending is prohibited if it leads to over-indebtedness (Art. 3 UWG).
