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Adults residing in Switzerland with a regular income from an ongoing, uncancelled employment contract, no pending debt collection proceedings, and no negative ZEK (Central Office for Credit Information) entry. The maximum age at the time of contract signing is usually 64 to 65 years.

With a C permit, the same requirements apply as for Swiss citizens. With a B permit, a loan is generally possible if you have held the permit for six to twelve months and are employed by the same employer. Only a few lenders accept L and G permit holders – it's advisable to call ahead before applying. Nationality itself does not play a role in loan approval.

Most employers require a permanent contract, but there are exceptions. In such cases, tax returns and annual financial statements for the last two to three years are required. Details can be found on our website. Loan for self-employed people.

Part-time work is generally unproblematic as long as the income is regular. Virtually all banks reject applications during the probationary period. For fixed-term contracts, it depends on whether the loan term falls within the contract duration. Only a few lenders accept temporary employment.

In most cases, obtaining a loan is not possible if you are solely receiving old-age and survivors' insurance (AHV) or disability insurance (IV) benefits. If you have additional earned income or a pension fund payment, an individual assessment is recommended.

Some providers require a minimum net income of CHF 30,000, 40,000, or 54,000 per year, while others have no fixed limit. Ultimately, the decisive factor is not the absolute amount, but whether the budget calculations work out according to the Swiss Federal Law on Consumer Protection (KKG).

The budget calculation is based on the Consumer Credit Act. Taxes, rent, health insurance, basic living expenses according to SKOS guidelines, commuting costs, food, and existing obligations are deducted from net income. The remaining amount must cover the loan payment, with the bank legally calculating based on a notional term of 36 months – even if you choose a longer term.

Creditworthiness, loan amount, term, and the bank's internal guidelines all play a role. In practice, only a few borrowers receive the advertised lowest interest rates, and these are often tied to conditions such as home ownership. A realistic approach is to find a rate within the range – and we'll show you exactly that with several offers.

Nothing. In Switzerland, loan brokerage is legally free for borrowers. We are compensated by the partner bank where the loan agreement is finalized. Providers who demand upfront payment are disreputable – steer clear of them.

Since January 1, 2026, the maximum interest rate has been 10 % for cash loans and 12 % for overdrafts such as credit cards. It is calculated as the SARON interest rate plus 10 percentage points, compounded over three months. Contracts exceeding this maximum rate are void according to Article 14 of the Consumer Credit Act (KKG).

Yes. Loan interest is tax-deductible as debt interest. Leasing costs, on the other hand, are not – that's one of the reasons why a Car loan versus leasing It's often worthwhile.

Loans up to CHF 80,000 are subject to the Consumer Credit Act (KKG) with all its protective provisions – right of withdrawal, creditworthiness check, interest rate cap. Amounts exceeding this are not covered. We will notify you as soon as your request exceeds this limit.

Depending on the provider and the completeness of your documents, it can take anywhere from a few hours to a few days for you to receive confirmation. After you sign the contract, the statutory 14-day cancellation period begins; payment can only be made after this period has expired. Expect the entire process to take approximately three weeks. No provider in Switzerland is permitted to shorten this period.

ID card or passport (front and back), the last three payslips, and, if a foreign national's ID card, a copy of the permit. Depending on the bank, bank statements, rental agreement, health insurance policy, debt enforcement extract, or, in the case of loan repayment, the final statement of the existing loan may also be required.

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.

Not with us. An entry in the credit bureau's database only appears when an application is submitted to a bank. That's precisely why we check beforehand where your chances are best – every rejected application puts you at a disadvantage for future inquiries.

Yes, anytime and without penalty. Unused interest will be refunded. Fees for early termination of a consumer loan agreement are prohibited by law.

Yes. Multiple loans, leases, and credit card balances can be consolidated into one contract. Whether this is worthwhile depends on the new interest rate and the remaining term – we'll calculate it for you beforehand. Learn more at Repaying a loan.

A completed and paid debt collection case doesn't rule out a loan, but it does make it more difficult. Ongoing debt collection proceedings or outstanding certificates of loss almost always lead to rejection. Tell us openly – this will save you a rejection that will be visible in the ZEK database.

Banks are not required to give reasons. In practice, they almost always include: a budget that is not sustainable according to the Consumer Credit Act (KKG), a negative entry in the Central Credit Register (ZEK), ongoing debt collection proceedings, an insufficient employment period, or a residence permit that does not cover the desired loan term. We'll tell you which reason was likely the cause and what can be done about it.

Generally, no. An additional loan usually exacerbates existing debt problems. Contact a cantonal debt counseling service; this advice is free and independent. Debt consolidation can be worthwhile if you can currently afford your installments and are simply paying excessive interest – we would be happy to honestly assess this with you.

Three warning signs: Money is demanded upfront, for example, for an alleged processing or renovation fee. The legal notice lists a foreign address. Or a loan is promised without a credit check or despite a ZEK entry – this is not permitted in Switzerland.

Generally, no. Reputable Swiss lenders require Swiss residency. Some providers accept Liechtenstein residents, and there are rare exceptions for cross-border commuters.

No. Whoever signs is solely liable. A partner's income is only included in the budget calculation if you are married or in a registered partnership.