Personal loan Switzerland: flexible and fair.

The personal loan is the flexible classic for any purpose: a car, a home, further education, or consolidating existing loans. You receive the amount freely available in your account and repay it in predictable monthly installments.

Freely usable — no restrictions, no proof of purpose required
Fixed monthly installment from day one — full budget certainty
Payment protection included on request

Loan Calculator

Desired amountCHF 30'000

3'000450'000

Duration (months)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 amount	CHF 3'000 – 450'000
Term	6 – 84 months
Effective annual interest rate	4.9% – 9.95%
Use	Free — no proof of purpose required
Payout	After the legal 14-day period, directly to your account
Early repayment	Possible at any time — interest only for the actual term

The direct comparison

Personal loan or account overdraft?

An overdraft on your account is convenient — but one of the most expensive ways to borrow money.

	Personal loan	Account overdraft
Effective annual interest rate	4.9% – 9.95%	Often 10% – 12% and higher
Repayment	Fixed, predictable installment	Unstructured, due at any time
Budget overview	Clear down to the last franc	Hard to calculate
Term	Freely chosen, 6 – 84 months	Open-ended — the debt stays
Advice	Personal and independent	None

More in the guide: How much loan can I afford?

How it works

Three steps to your personal loan.

Calculate your rate

Choose the amount and term in the calculator — see your monthly installment right away, with no obligation.

30 seconds

Decision in 24 h

We compare offers from our Swiss partner banks and get back to you with the best proposal.

24 hours

Receive the money

After the 14-day period, the amount is paid out — freely available in your account.

after 14 days

Everything about the personal loan

Dig deeper into what matters to you.

How it worksEvery single step, from request to payout.TermsAmounts, terms, requirements, and documents in detail.Payment protection insuranceExtra protection if your income falls away through no fault of your own.Frequently asked questionsAnswers to the most important questions about the personal loan.Debt consolidationConsolidate existing loans and optimize your monthly payment.Car loanFinance your vehicle, with ownership from day one.Cash loanFreely available cash for anything that can't wait.

Frequently asked questions

About the personal loan.

What can I use the personal loan for?

Anything — the personal loan isn't earmarked for a specific purpose. Car, furniture, renovation, moving, further education, or paying off expensive loans: you don't have to prove a purpose.

Can I repay the loan early?

At any time, in full or in part — with no prepayment penalty. This is enshrined in law (KKG Art. 17). You only pay interest for the actual term.

Can I get a loan despite existing obligations?

What matters is your budget, not the number of contracts. Existing loans are factored into the budget (outstanding balance ÷ 36 months). If enough attachable income remains even so, another loan is possible. Often, consolidating (debt restructuring) is the better option — one installment instead of several, and the budget burden goes down.

Is payment protection insurance mandatory?

No, payment protection is optional. It covers your loan installments in the event of complete incapacity to work or involuntary unemployment. In industry terms, the insurance is called PPI (Payment Protection Insurance) — it reduces the risk for you and gives the bank additional security.

Ready for your personal loan?

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

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