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Debt consolidation: less hassle, one installment.

Multiple loans or an expensive old contract? With debt consolidation, we combine everything into a single loan — one installment, one point of contact, often significantly lower monthly installments.

  • All current loans in one clear installment
  • Lower interest thanks to today's market conditions — max. 10%
  • No penalty fee for early payoff — guaranteed by law
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)).

Terms at a glance

As of July 2026
Loan amountCHF 3'000 – 450'000
Term6 – 84 months
Effective annual interest rate4.9% – 9.95%
PayoffExisting loans are paid off directly
Cost of the reviewFree and non-binding
Early repaymentPossible at any time — no penalty fee

The direct comparison

Consolidated, or keep them separate?

Several installments to different banks cost you clarity — and usually money too.

Debt consolidationStatus quo
Monthly installmentsOne, predictableSeveral, spread out
Interest rateAdjusted to current conditionsOften outdated and higher
OverviewOne contract, one point of contactScattered across providers
Budget optimizationUp to 30% lower installment possibleNo adjustment possible

Background in the guide: The effective annual interest rate explained

How it works

Three steps to consolidation.

1

Tell us about your loans

Tell us about your current loans — we check the optimization potential for free.

2 minutes
2

Receive an offer

You get a non-binding loan offer with the new terms.

24 hours
3

Pay off the old loans

Once approved, we pay off your existing loans — from then on, you only pay one installment.

afterward

Frequently asked questions

About debt consolidation.

Is debt consolidation worth it?
Often yes — and not only because of lower interest rates. The biggest advantage: banks factor existing loans into the budget at outstanding balance ÷ 36 months. That burden is often significantly higher than the actual installment. By paying off the old loans and refinancing, the budget burden drops — creating room for the new loan.
How does the payoff actually work?
You submit the request just like for a new loan. The new bank pays off your existing loans directly; you receive any remaining balance paid out. From then on, you only pay a single installment.
What does debt consolidation cost?
Our brokerage service is free. On your previous loan, you only pay interest up until the payoff date — prepayment penalties aren't legally permitted for Swiss consumer loans (KKG Art. 17).
How much can I save through debt consolidation?
That depends on the difference between the old and new interest rate, the outstanding balance, and the remaining term. In practice, customers consolidating several loans often save several hundred francs a month in budget burden. It always depends on your current situation and the final solution we work out together.
Can I also pay off lease agreements?
Yes. Using the final settlement, you can finance the outstanding installments plus the residual value with a loan. The transfer goes directly to the leasing company. Afterward, you can have Code 178 removed from the vehicle registration at the road traffic office.
Does paying off a loan improve my credit capacity?
Generally, yes. Replacing several obligations with a single loan at a lower total installment reduces your monthly budget burden. That improves your attachable share and creates room for future financing.

Fewer installments, more clarity.

Apply in 2 minutes — free, non-binding, and discreet.

Request debt consolidation+41 43 355 99 44WhatsApp