Your Financial Lifeline in Switzerland
Apply for a Loan Online
Requesting a personal loan today is quick and easy thanks to online platforms. With just a few clicks, you can compare multiple offers, choose the one that suits you best, and submit your application directly from your computer or smartphone. The fully digital process saves time – you usually get a response within 24 to 48 hours.
How to Compare Loans: What to Look For
Here are the key factors to consider when comparing personal loans:
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Annual Percentage Rate (APR): the total loan cost expressed as a yearly percentage.
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Loan amount: varies depending on the lender.
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Loan term: affects your monthly payment.
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Additional fees: setup, account management, early repayment charges.
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Flexibility: some offers allow changes to terms or early repayment without penalties.
Comparing helps you find a loan that matches your financial profile and personal needs.
How Much Can You Borrow in Switzerland?
In Switzerland, the maximum loan amount depends on your income, employment situation, and existing debts. General conditions include:
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Stable income: employed for at least 6 months.
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Age: minimum 18 or 20, maximum 64–65 at loan term end.
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Creditworthiness: no negative records (e.g., CRIF register).
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Residence: Swiss resident or valid residence permit.
Loan amounts typically range from CHF 1,000 to over CHF 250,000, depending on your profile.
How Our Loan Comparison Tool Works – Your Benefits
KreditSOS’s comparison tool helps you find the best personal loan offers available in Switzerland. You get a clear and detailed overview of each proposal, including interest rate, term, fees, and conditions.
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Your benefits:
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Full transparency: all information is up to date and clearly presented.
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Time and money savings: no need to search for hours.
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Custom filters: tailor the results to your needs.
Best Online Loan Offers in Switzerland
Our platform lets you compare not only personal loans but also savings accounts and bank fee structures. For savings accounts, you can review interest rates and access conditions.
Loan Interest Rates in Switzerland
Interest rates vary based on the borrower’s credit profile:
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Low rates: from 4.5% for excellent credit
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Average rates: typically between 6% and 8%
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Legal cap: up to 10%
The APR depends on your credit score and the lender.
Online Loan Platforms: Faster and Simpler
Switzerland’s top online lending platforms offer:
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Quick responses: pre-approval in minutes
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Fully digital process: online documentation, electronic signature
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Clear conditions: minimal fees, transparent terms
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Instant comparison: view multiple offers at once
Competition among platforms often results in better rates than traditional banks.
Find the Loan Offer That Suits You Best and Apply Online Now
Loan Providers Compared on KreditSOS
We compare the offers of Switzerland’s leading banks and online credit platforms, including:
FAQ – Frequently Asked Questions About Loans in Switzerland
What’s the difference between a loan and financing?
A personal loan is generally unrestricted in use. Financing usually refers to a loan tied to a specific purchase (car, kitchen, etc.).
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What are the requirements to get a loan in Switzerland?
Stable income, good credit rating, legal age, Swiss residence or valid permit.
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What types of loans are there?
Personal loans, car loans, renovation loans, refinancing.
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How can I improve my chances of being approved?
Strong financial profile (stable income, no debt), requesting a reasonable amount, good credit history.
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What income do I need to get a loan?
Most lenders require a net monthly income of at least CHF 2,500 to CHF 3,000. Each case is assessed individually.
Loan Guide
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Consolidate your loans: top solutions
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Loans for home renovations
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How to repay a personal loan
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Loan requirements in Switzerland