Your Swiss loan for 2026
One application. Several offers. One independent recommendation.
Best Finance compares the terms and conditions of leading Swiss banks for you and guides you from application to disbursement. Loan amounts from CHF 3,000 to CHF 300,000, terms from 6 to 120 months, effective annual interest rates from 4.9% to 9.95%. The consultation is free and without obligation.
- Over 10 providers one application, multiple offers
- CHF 3,000 – 300,000 6 to 120 months
- CHF 0 consultation fees No hidden fees
- Discreet & confidential no disclosure to third parties
Loan calculator
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No obligation · Free of charge · Response within 24 hours
Short and clear
Best Finance GmbH is an independent Swiss credit broker based in Aarau and Lausanne, operating since 1978. We submit your loan application to over 10 Swiss lenders, obtain several offers, and recommend the most favorable option. This consultation is free of charge, non-binding, and without brokerage fees – as required by law under the Swiss Consumer Credit Act (KKG).
- Credit amountCHF 3,000 – 300,000
- Duration6 – 120 Monate
- Effective annual interest rate4.9 % – 9.95 %
- Costs for youCHF 0
Customer testimonials
Here's what our customers say
Real reviews from people who took out their loan through Best Finance.
Very obliging. Everything went smoothly, although the requirements were changed several times
I can highly recommend the Bestfinance team. Highest professionalism, great empathy and good manners. Very quick handling of the matter, personalised customer care, clear communication and 100 % commitment. Many thanks to the entire Bestfinance team and good luck for the future ;) Best regards🍀 Aleksandra
I recently used the service of Best Finance and I am very satisfied. The process was straightforward and the team was extremely helpful. I would particularly like to thank Mr Dino Ferraro, who dealt with my request efficiently and quickly. I can highly recommend Best Finance! 👍
Excellent, straightforward advice. Thank you for your patience, Mehmet Ünlütepe
You can trust this team completely, their work is awesome and they are immediately available for any question, so I can only recommend Best-Finance GmbH to anyone who is looking for a loan and does not want to be fooled should / must take up an account with them.
Thank you to all the Best-finance team and in particular to Mr Pedro Soares who took care of my file efficiently, quickly and with his availability. Thank you
Our financial experts will help you compare loans.
With us, you'll find the best loan from over 10 providers. You'll receive personal, expert, and independent loan advice – saving you not only money but also time.
This is how our credit experts work
We submit your loan application to various lending institutions and obtain several offers. After the loan review, you will receive your customized loan agreement. Once you return the signed agreement to us, the agreed amount will be transferred to your account by our partner bank after the statutory 14-day cancellation period has expired, or paid out in cash at a bank branch.
Have you already received a loan offer?
Send us your current offer. One of our loan experts will check if we can offer you better terms – guaranteed free of charge. We will treat your data confidentially and will not pass it on to third parties.
We act only in your interest.
Best Finance has been operating as an intermediary throughout Switzerland since 1978 and collaborates with renowned banks both domestically and internationally. This allows us to cover the entire spectrum of credit options – from small loans to the consolidation of multiple contracts.
Free credit consultation
Our loan advice is free from conflicts of interest. You will receive the optimal loan for your situation from one of the largest loan networks in Switzerland – without any administrative or brokerage fees.
Discreet and confidential
Your information will be treated confidentially and will not be shared with third parties. Transmission is encrypted, and processing takes place exclusively in Switzerland.
We will accompany you – even afterwards
Taking out a loan is a significant step. Our specialists will advise you personally, guide you through the entire process, and remain by your side. Even months after the contract is signed, we are your contact for any questions regarding your finances.
Large selection of loans
Whether it's a car loan, renovation loan, moving loan or debt consolidation – we have the right solution for every purpose.
Your next step: 5 steps to a loan
How can we help you? Would you prefer an initial personal consultation? Visit us in Aarau or Lausanne. Or would you prefer we call you back? Please use our contact details.
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1
Apply for a loan online
Please fill out our online form. It will take you about two minutes.
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2
Submit documents
Send us your documents by email, WhatsApp or post – ID card, pay slips and bank statement.
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3
obtain credit offer
We will review your request with several loan providers and send you a non-binding offer.
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4
Sign loan agreement
After your documents have been reviewed, you will receive your loan agreement for signature. The decision rests solely with you.
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5
Payout
The loan amount will be paid out after the statutory cancellation period of 14 days has expired.
Terms and conditions at a glance
| Credit amount | CHF 3'000 – CHF 300'000 |
|---|---|
| Duration | 6 – 120 Monate |
| Effective annual interest rate | 4,9 % – 9,95 % |
| Cost of consultation | CHF 0 |
| Placement fee | CHF 0 |
| Cancellation period | 14 Tage (Art. 16 KKG) |
| Early repayment | Possible at any time, interest only until repayment |
| Languages spoken for consultation | German, French, Italian, Portuguese, Spanish, English |
| Locations | Aarau (Bahnhofstrasse 67) and Lausanne (Av. d'Echallens 109) |
Frequently asked questions about loans in Switzerland
What are the costs for loan brokerage at Best Finance?
Nothing. In Switzerland, loan brokerage is free of charge for borrowers by law. You pay neither a brokerage nor an administration fee. We are compensated by the partner bank where the contract is concluded.
What requirements do I have to meet to get a loan?
You must be of legal age, reside in Switzerland, have a regular income, and must not have any negative entries with the ZEK (Central Office for Credit Information) or any debt enforcement proceedings. For individuals with a foreign national's permit, banks also check the permit category and length of stay.
How is the maximum loan amount calculated?
The decisive factor is the budget calculation according to the Consumer Credit Act: Taxes, rent, health insurance, basic living expenses according to SKOS guidelines, and other obligations are deducted from net income. The remaining amount must cover the installment, with the bank calculating based on a hypothetical term of 36 months. Our Loan calculator shows you the guideline value.
What does my interest rate depend on?
The effective annual interest rate ranges from 4.9% to 9.95% and depends on your creditworthiness, the loan amount, the loan term, and the internal guidelines of the respective bank. Because we request quotes from multiple providers simultaneously, you will receive the most favorable offer for your profile.
Can I pay off an existing loan or lease?
Yes. Existing loans, leases, and credit card balances can be consolidated into a single contract. This often reduces the total monthly payment. See details below. Repaying a loan.
How long does it take to receive the payout?
After signing the loan agreement, the statutory 14-day cancellation period begins. Only after this period may the bank disburse the funds – this period is stipulated in the Consumer Credit Act and cannot be shortened by any lender.
Will an inquiry damage my credit rating?
A non-binding inquiry with us will not be registered with ZEK. Only when you approve a specific loan application will we submit it to the bank. We check in advance which lender offers you the best chances of approval to avoid unnecessary rejections.
Can I repay the loan early?
Yes, at any time and without prepayment penalties. Interest only accrues until the repayment date – as stipulated by the Consumer Credit Act.
Who is Best Finance GmbH?
Best Finance GmbH is an independent Swiss loan brokerage company, founded in 1978, with offices in Aarau and Lausanne. We are not affiliated with any bank and compare offers from over 10 loan providers for you.
Take out a loan – request a non-binding offer
Apply for your personal loan with verified terms. No administration or brokerage fees, with personal advice in six languages.
Calculation example: Loan of CHF 10,000. An effective annual interest rate between 4.9% and 9.95% results in total interest costs between CHF 261 and CHF 574 for a term of 12 months. Loan terms range from 6 to 120 months, and loan amounts from CHF 3,000 to CHF 300,000. Your exact interest rate will be determined based on the information you provide in your loan application and our internal bank guidelines.
Legal notice: Lending is prohibited if it leads to over-indebtedness (Art. 3 UWG).