Interest rate comparison
Compare loan interest rates
Compare two interest rates side by side and see the difference in Swiss francs over the entire loan term. No registration or entry with the ZEK required.
- Free of charge
- Without obligation
- No registration required
Your key data
Comparing two interest rates
The result in comparison
Variant A
– eff. p. a.
–
per month
Total amount
–
of which interest
–
Variant B
– eff. p. a.
–
per month
Total amount
–
of which interest
–
Difference over the entire duration
–
With the lower interest rate you pay – less per month.
Both interest rates result in identical costs.
Do you want to know which interest rate applies to you?
- Free of charge
- Without obligation
- Cheap
Interest rate overview for – about – Months
| interest | inst. | Interest charges | In total |
|---|
The displayed rates are indicative. Your interest rate will be determined by the bank's credit check. Lending is prohibited if it leads to over-indebtedness (Art. 3 UWG).
Short and clear
The interest rate determines what a loan really costs – not the monthly payment. A lower monthly payment feels better in everyday life, but usually extends the loan term and thus the interest costs. Therefore, always compare the effective annual interest rate and calculate both: the monthly payment. and the total amount.
Why comparing interest rates is worthwhile
The cost of a loan depends on three factors: the loan amount, the annual percentage rate (APR), and the loan term. You determine two of these yourself. The third – the interest rate – is determined by the bank based on your creditworthiness. And there are often several percentage points of difference between lenders, even with identical credit profiles.
The extent of this effect is best illustrated by looking at figures. Let's take CHF 20,000 over 48 months:
| Offer A | Offer B | |
|---|---|---|
| Credit amount | CHF 20'000 | CHF 20'000 |
| Effective annual interest rate | 4,9 % | 7,9 % |
| Duration | 48 Months | 48 Months |
| Monthly instalment | CHF 459.– | CHF 485.– |
| Total interest costs | CHF 2'019.– | CHF 3'269.– |
| Difference | CHF 1'250.– Lower interest rates with the more favorable offer | |
Example calculation based on the effective annual interest rate; values are rounded to the nearest cent. Your terms and conditions will depend on the bank's credit check.
Rule of thumb: A low monthly payment means comfort. Low total costs mean good value. It's rare to find both together – that's why it's worth comparing.
What you will receive from us
We are not a comparison portal that forwards your request. We process the application ourselves and manage it until payment is received.
Multiple offers, one request
We will contact the providers where your profile has the best chances and present you with the offers side by side.
No unnecessary ZEK entries
Every rejected application is recorded and makes future applications more difficult. We check beforehand whether it's even worth pursuing.
One-stop dossier
We compile the documents, submit them and answer any questions from the bank – you don't have to explain anything twice.
Free for you
There are no brokerage or processing fees. We are compensated by the lender.
Two own locations
Consultations in Aarau and Lausanne or completely online – in German, French, Italian, Portuguese, Spanish and English.
On the market since 2004
We are authorized under the Consumer Credit Act and are familiar with the internal guidelines of Swiss providers from our daily work.
What you should know before making the request
Effective interest rate instead of nominal interest rate
The nominal interest rate is the pure loan interest rate. The effective annual interest rate includes additional costs and thus reflects what you actually pay. Offers can only be accurately compared using the effective interest rate – anything else is misleading.
Duration: Comfort at the expense of cost
A longer loan term lowers the monthly payment but increases the total interest paid. For a CHF 20,000 loan at 6.9% interest (%), you would pay approximately CHF 2,050 in interest over 36 months and approximately CHF 4,250 over 72 months. The loan amount is the same – only time works against you.
The legal framework
Consumer loans in Switzerland up to CHF 80,000 are subject to the Consumer Credit Act. This law mandates a creditworthiness assessment: The bank calculates your budget and may only grant a loan if the monthly payment is affordable – legally calculated with a hypothetical term of 36 months, even if you choose a longer term. Furthermore, there is a 14-day right of withdrawal from the date of signing; disbursement may only occur after this period.
The statutory maximum interest rate has been at [amount] since January 1, 2026. 10 % for cash loans and 12 % for overdraft facilities. Any such agreement is void according to Article 14 of the Consumer Credit Act.
Five points that make the difference
- Only as much as necessary. Every additional franc earns interest over the entire term.
- Choose the duration consciously. Shorter terms are cheaper, provided the rate stays within the budget.
- Compare effective interest rates. Not the rate, not the nominal interest rate.
- Calculate the total amount. Rate × Months − Loan amount = Your interest costs.
- Plan in a buffer. The rate should be manageable even if something unexpected comes up.
Content reviewed: August 2026
Frequently asked questions about the loan calculator
How does the loan calculator work?
You select the amount and term and enter two effective annual interest rates. The calculator displays the monthly payment, the total amount, and the interest costs for both options – along with the difference in Swiss francs. The interest rate overview below lists all intermediate levels.
What interest rates are realistic in Switzerland?
Our partner banks currently offer an effective annual interest rate between 4.9% and 9.95%. The specific rate you receive depends on your creditworthiness, loan amount, term, and the bank's internal policies. In practice, only a few borrowers actually receive the advertised lowest rates.
How much does it cost to use the computer?
Nothing. Neither the calculator nor the subsequent loan application costs anything. No registration is required, and there are no fees – not even if a contract is concluded. We are compensated by the lender.
Why is it worth comparing interest rates?
Because even a few percentage points can add up significantly. For CHF 20,000 over 48 months, the difference between 4.9% and 7.9% % amounts to approximately CHF 1,250 in interest – with the same loan amount and term.
How much credit am I allowed to have?
Loan amounts from CHF 5,000 to CHF 300,000 are possible, with terms of 12 to 120 months. The actual amount you receive is calculated according to the Consumer Credit Act: Taxes, rent, health insurance, basic living expenses, and existing obligations are deducted from your net income. The remaining amount must cover the loan payment.
What is the difference between the nominal interest rate and the effective interest rate?
The nominal interest rate is the pure loan interest rate. The effective annual interest rate includes additional costs and thus shows the actual cost. Always compare offers using the effective interest rate.
Does the duration of the project affect the total costs?
Clearly. A longer loan term lowers the monthly payment but increases the total interest paid because interest is accrued for a longer period. You can directly compare both scenarios in the calculator.
Is the request binding?
No. You can withdraw at any time, even after receiving an offer. Only your signature on the loan agreement is legally binding – and even then, the 14-day right of withdrawal applies according to Art. 16 of the Consumer Credit Act (KKG).
Will this inquiry result in a ZEK entry?
Not with us. An entry in the credit bureau's database is only created when an application is submitted to a bank. That's why we check beforehand where your chances are best.
The bank will tell you what your actual interest rate is.
Submit a non-binding inquiry – we'll obtain the quotes and you can decide at your leisure. No fees.
Mandatory information according to the Consumer Credit Act
Representative calculation example
Example of a personal loan via CHF 10'000 at 12 Months term. The range shows the lowest and highest possible interest rates.
- Credit amount CHF 10'000
- Duration 12 Months
- Effective annual interest rate 4,9 % – 9,95 %
| Monthly instalment | CHF 855.– to CHF 885.– |
|---|---|
| Processing and brokerage fees | CHF 0.– |
| Possible loan amounts | CHF 5'000 – CHF 300'000 |
| Possible durations | 12 – 120 Months |
Your actual interest rate will be determined by the bank's credit check and will fall within this range. Early repayment is possible at any time without additional costs; any unused interest will be refunded.
Legal notice: Lending is prohibited if it leads to over-indebtedness (Art. 3 UWG). Consumer loans are subject to a statutory right of withdrawal. 14 Days from the date of contract signing (Art. 16 KKG). Creditworthiness assessments are carried out in accordance with the Consumer Credit Act and the banks' internal guidelines. The statutory maximum interest rate for cash loans has been [number] since January 1, 2026. 9,95 %. All information is provided without guarantee; the actual terms and conditions depend on creditworthiness and bank approval.