Refinance credit card debt: get out of the revolving-debt trap.
A credit card's installment feature quickly costs the maximum interest rate a year. With a personal loan, you pay off the balance in one go — then repay it at a much better fixed rate in predictable installments.
- Card balance cleared immediately — no more installment interest
- Fixed, lower rate instead of the card's maximum rate
- One predictable monthly installment instead of a growing balance
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)).
The open comparison
Refinance, or keep paying down the card?
Anyone who only pays the minimum stays trapped in expensive card interest for years.
| Refinancing | Card installment plan | |
|---|---|---|
| Effective annual interest rate | 4.9% – 9.95% | Usually the maximum rate |
| Repayment | Fixed installment, clearly limited | Minimum payment, balance stays |
| Interest cost | Transparent from the start | Keeps growing unnoticed |
| Debt-free by | A foreseeable time | Barely predictable |
More in the guide: How much loan can I afford?
How it works
Three steps to card-debt-free.
Tell us the balance
Tell us your outstanding card balances — we take care of the rest.
Receive an offer
You get a loan offer that covers exactly the card balance.
Pay off the card
The balance is cleared — from then on, you pay a fixed, lower installment instead of card interest.
Frequently asked questions
About refinancing.
Can I also pay off credit card debt?
Can I keep my credit card if I refinance the debt?
Is refinancing worth it even for smaller card balances?
Why is credit card installment payment so expensive?
Get out of the revolving-debt trap.
Apply in 2 minutes — free, non-binding, and discreet.