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Request a loan+41 43 355 99 44 · Mon–Fri 08:30–12:00 and 13:00–18:00WhatsApp · available around the clock
Loan specialists for 20 years

Loans. Clear and fair.

Apply in 2 minutes, decision within 24 hours, payout straight to your account - free and non-binding.

Fast
in processing
Simple
in communication
Discreet
in how we treat clients
Loan Calculator
CHF 30'000
3'000450'000
84
Monthly installment
442.15
CHF pro Monat

Do you have outstanding debt collection proceedings or loss certificates? *

Granting a loan is prohibited if it leads to over-indebtedness (Art. 3 of the Swiss Federal Act against Unfair Competition (UWG)).
400'000+
loan applications processedloan applications
since 2006
at home in Zurichin Zurich
Licensed
by the Canton of Zurich
Reputable
Swiss data protectionSecure
Featured
on 20min.ch

How it works

Three steps to your loan.

No paperwork battles, no hidden costs. You stay in control at every step.

1

Submit your application

Online in about 2 minutes — or by phone with our advisors.

2 minutes
2

Receive the decision

We review your application and find the right partner bank. You'll get the decision within 24 hours.

24 hours
3

Receive the money

After the legal 14-day right-of-withdrawal period, the amount is transferred straight to your account.

after 14 days

Loan products

The right loan for every purpose.

Personal loan

The flexible classic — for renovations, education, health, or unexpected purchases.

CHF 3'000–450'000 · 6–84 months Learn more

Car loan

Your car belongs to you from the start — no mileage limit and no full-coverage insurance requirement.

CHF 3'000–450'000 · 6–84 months Learn more

Cash loan

Fast liquidity when it counts — with fixed monthly installments, you always stay in control.

CHF 3'000–450'000 · 6–84 months Learn more

Debt consolidation

Consolidate an existing loan and get extra cash on top — we handle the payoff for you.

Free service Learn more

Refinance credit cards

Replace expensive card debt at up to 12% interest with a cheaper loan.

Calculate your installment Learn more

Business loan

Flexible financing for investments or liquidity — for businesses from CHF 50'000.

CHF 50'000–1'000'000 Learn more

Loan calculator

What does your loan cost? Do the math.

Choose the amount and the term — see your monthly installment right away. Transparent, including total costs and payment protection.

To the loan calculator

Why AS Finanz

Brokerage that's on your side.

Cantonal license from the Canton of Zurich

Licensed loan brokerage since 2006 — regulated and regularly renewed.

Free for you

Our brokerage doesn't cost you anything — we're compensated by the partner bank.

Personal advice

Real people at Lindenplatz in Zurich — Mon–Fri 8:30 am–12:00 pm and 1:00–6:00 pm, in 5 languages.

Discreet & secure

SSL-encrypted, with no sharing with third parties. Your data stays with us.

Decision within 24 h

No waiting, no stalling: you know where you stand within one business day.

Everything from one source

Loans, debt consolidation, budget optimization — one point of contact is enough.

Client stories

What our clients say.

M. KellerWinterthur · Debt consolidation
"Consolidating two loans into one saves me over 200 francs every month. The whole process was online, and the decision came the next morning."
S. Da SilvaBaden · Personal loan
"I was advised in Portuguese — that made all the difference for me. Everything was explained clearly, with no fine print."
T. BrunnerLucerne · Car loan
"A car loan instead of leasing: the car is mine, and the installment is lower than the garage's leasing offer. Thanks for the honest comparison!"

Frequently asked questions

Good to know.

What documents do I need for the application?
As a rule, a copy of your valid ID (ID card or passport, or the foreign national's residence permit for non-Swiss nationals) and your last one to three payslips — all pages. Other documents are handled individually: the details are collected during the application process and you'll receive a personalized checklist.
Will my employer or my bank find out about my loan request?
No. We contact neither your employer nor your primary bank. Your request is transmitted confidentially and encrypted.
Are there fees for loan brokerage?
No. By law, you as a customer never pay fees for loan brokerage — whether through us or another broker. All costs are covered by the effective annual interest rate. Advice and brokerage are free for you; if successful, we're compensated by the lending bank.
How long does it take from the request to the money in the account?
In the best case, 16 days: 1 day for review and decision, 1 day for signing the contract, 14 days for the statutory right of withdrawal. The transfer is made the day after the period expires. For loans over CHF 80'000, the right of withdrawal doesn't apply — the payout can happen faster.
See all questions

Ready? Applied for in 2 minutes.

Free, non-binding, and discreet.

Apply for a loan now +41 43 355 99 44 WhatsApp