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Independent loan brokerage, throughout Switzerland, in six languages

An application.
Several offers.
A recommendation.

We obtain offers from the largest Swiss lenders for you and recommend the most favorable one. Free of charge, no obligation, no brokerage fees.

Calculate loan 062 823 08 03

The inquiry will not generate a ZEK entry. We will be compensated by the lender.

Credit advice at Best Finance in Aarau
4,8 / 5 out of 1'076 Reviews
Swiss loan calculator
Desired amount (CHF)
Contract duration (in months)
Monthly instalment: from CHF –
Your data will be transmitted in encrypted form.
Processing fees: CHF 0.-.

Non-binding · free of charge · the inquiry will not generate a ZEK entry

credit budget calculator couple
Non-binding · free of charge · the inquiry will not generate a ZEK entry. Processing fees: CHF 0.– Mandatory information according to the Consumer Credit Act

Representative calculation example

Example of a personal loan of CHF 10,000 with a term of 12 months. The range shows the lowest and highest possible interest rates.

Credit amountCHF 10'000
Duration12 Months
Effective annual interest rate4,9 % – 9,95 %
Monthly instalmentCHF 855.– bis CHF 885.–
Processing and brokerage feesCHF 0.–
Possible loan amountsCHF 5'000 – CHF 300'000
Possible durations12 – 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 of 14 days from the date of signing the contract (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 10% since January 1, 2026. All information is provided without guarantee; the actual terms and conditions depend on creditworthiness and bank assessment.

Best Finance is an independent Swiss credit broker with its own locations in Aarau and Lausanne. You submit a request, we obtain quotes and recommend the most suitable option for your situation. Our service is free of charge – there are no placement or processing fees.

CHF 5'000 – 300'000Loan amount depends on creditworthiness
4,9 % – 9,95 %effective annual interest rate
12 – 120 MonthsDuration freely selectable
CHF 0Advice and brokerage – we are compensated by the lender.

Personal consultation

Prefer to speak directly?
We are here for you.

Free initial consultation in your language – by phone or WhatsApp. Our services are free for you; we are compensated by the lender.

Call +41 (62) 823 08 03 write on WhatsApp

Or by email: creditdesk@bestfinance.ch

  • 4,8 / 5out of 1'076 Reviews (Google, Facebook & direct)
  • Licensed since 2004Credit broker with authorization under the KKG
  • Two own locationsAarau · Lausanne – Partner offices in Olten and Zurich
  • Six languagesDE · FR · IT · PT · ES · EN

Here's how it works

In four steps
to the loan

The process is the same for all partner banks. Here you'll find what you need and what each step depends on – without making promises that no one can keep.

This is how loan brokerage works A single inquiry generates offers from several Swiss loan providers, from which Best Finance recommends the cheapest one. A request Several offers A recommendation
The interest rates in your offers are determined by the credit check of the respective bank.

  1. Submit a request

    Select the amount and duration in the calculator, then fill out the form. Your inquiry with us will not be registered with ZEK.

    approximately 2 minutesCalculate loan

  2. Submit documents

    ID card, the last three payslips, and, if you have a foreign national ID card, a copy of your permit. Via WhatsApp, email, Upload or mail.

    They set the pace

  3. Compare offers

    We submit the request to the banks where your profile has the best chances and present the offers to you side by side.

    Depending on the bank, hours to days

  4. Contract and payment

    The statutory cancellation period begins after you sign. Only after this period may the bank make a payment (Art. 16 KKG) – no provider can shorten this period.

    14 days, as required by law

Strong partners for your loan

    We compare the terms and conditions of leading Swiss loan providers and submit your application to the provider where your profile has the best chances.

    Interest charges

    Loan interest rates in Switzerland 2026

    Statutory maximum interest rate for cash loans since January 1, 2026 - 10 %

    The statutory maximum interest rate for cash loans was increased from 11 % to 1 January 2026. 10 % reduced. The following new rules apply to overdrafts and credit cards. 12 %. The basis is the ordinance on the Consumer Credit Act: The decisive factor is the SARON (SAR3MC) compounded over three months plus 10 percentage points, rounded to the nearest whole number. The rate is reviewed annually at the end of August.

    What this means for your offer

    The interest rate you actually receive is almost never the legal maximum. It depends on your creditworthiness, the loan amount, the loan term, and the internal guidelines of the respective bank. The range at our partner banks currently lies between 4,9 % and 9,95 % Effective annual interest rate. Because we request quotes from several providers simultaneously, you see the range of offers for your profile instead of just a single offer.

    Interest rate information verified: August 2026

    Statutory maximum interest rates for consumer loans in Switzerland
    Valid fromCash loanOverdraft
    January 1, 202610 %12 %
    January 1, 202511 %13 %
    January 1, 202412 %14 %

    A loan agreement with an interest rate exceeding the maximum rate is void according to Article 14 of the Consumer Credit Act (KKG). In this case, you only owe the loan amount, not interest or costs.

    Honestly compared

    Intermediary or go directly to the bank?

    A fair comparison – even where the direct application might be the better choice.

     About Best FinanceDirectly at a bank
    Number of checked offersseveral credit providersone
    Costs for youCHF 0CHF 0
    Efforta form, a set of documentsnew per bank
    Risk of ZEK entriesPreliminary review reduces unnecessary applicationsEvery rejected application is registered.
    Contact personfixed, throughout the entire processIt varies depending on the bank.
    If you already have a good offerWe're checking if there's a better way.Closing the deal directly is perfectly fine.
    If you are already in debtContact a cantonal debt counselling service. Taking out another loan will only worsen the situation.

    Credit Solutions

    Overview of loan solutions

    A Swiss consumer loan is unsecured – you don't have to specify what you'll use it for. However, it's still helpful for the consultation process. These pages provide more details:

    Best Finance in Aarau and Lausanne

    Who will advise you

    People instead
    Form black box

    With us, a dedicated contact person will handle your case – from your initial inquiry to payment. This means you always know who you're speaking to and don't have to explain your situation every time you call.

    Our team provides advice in German, French, Italian, Portuguese, Spanish, English and Albanian – at our locations in Aarau and Lausanne or completely online.

    Get to know the team and the locations

    Consultation at two of our own locations

    AarauBest-Finance GmbH
    Bahnhofstrasse 67
    5000 Aarau    +41 (62) 823 08 03
    LausanneBest-Finance Sarl
    Avenue d’Echallens 109
    1004 Lausanne    +41 (21) 624 55 45
    Supplemented by our partner networkIn Olten and Zürich We work with independent partner offices. These are legally separate companies, not branches of Best Finance. Your inquiry will always be processed through us first; it will only be forwarded with your consent.Directions and opening hours

    Customer testimonials

    Here's what our customers say

    4,8 / 5 out of 1'076 Reviews · Google

    They were consistently professional and highly competent throughout the entire process. I was also able to quickly build the necessary trust and always felt very taken seriously. All promises and agreements were kept.

    Carlos A. Balzers

    I've been a customer of yours for many years. The service is excellent, fast, and straightforward. I've never been disappointed. You've always kept your promises.

    Christian G. Biberstein

    Le service chez Best Finance est excellent, orienté client. Il porte bien son nom. Monsieur Soares trouve toujours la meilleure solution pour le client. Merci pour votre efficacité, votre réactivité et votre professionnalisme !

    Manuel B. Fribourg

    Good to know

    Frequently asked questions
    regarding loans in Switzerland

    Is your question not listed? Write to us Or call us – the initial consultation is free.

    Requirements

    Who is eligible for a personal loan in Switzerland?
    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.
    Will I receive a loan with a B, C, G or L approval?
    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.
    Can I get a loan as a self-employed person?
    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.
    Part-time work, probationary period or fixed-term contract – is that possible?
    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.
    Can I get a loan as a pensioner?
    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.
    How high does my income need to be?
    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).

    Amount, interest and costs

    How is the maximum loan amount calculated?
    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.
    What does my interest rate depend on?
    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.
    What are the costs associated with Best Finance's brokerage services?
    Nothing. Loan brokerage is free for borrowers in Switzerland. We are compensated by the partner bank where the loan agreement is finalized. Providers who demand upfront payment are disreputable – steer clear of them.
    What is the maximum legal interest rate?
    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).
    Can I deduct the interest from my taxes?
    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.
    Does my loan fall under the Consumer Credit Act?
    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.

    Procedure and payout

    How long does it take to receive the payout?
    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.
    What documents do I need?
    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.
    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.
    Will the query generate a ZEK entry?
    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.
    Can I repay the loan early?
    Yes, anytime and without penalty. Unused interest will be refunded. Fees for early termination of a consumer loan agreement are prohibited by law.
    Can I redeem or increase existing loans?
    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.

    When things get difficult

    What if I was in debt collection?
    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.
    Why was my enquiry rejected?
    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.
    I already have debts – should I take out a loan?
    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.
    How can I recognize an unreliable provider?
    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.
    Can I get a loan if I live abroad?
    Generally, no. Reputable Swiss lenders require Swiss residency. Some providers accept Liechtenstein residents, and there are rare exceptions for cross-border commuters.
    Is my partner also liable?
    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.

    Taking out a loan –
    Request a non-binding offer

    No administrative or brokerage fees, with personal consultation in six languages.

    Calculate loan
    +41 (62) 823 08 03 creditdesk@bestfinance.ch
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