Personal loans
in Switzerland,
with the full cost
shown first
Swizeo lends its own funds and decides on your loan itself.
Planned: the Swizeo debit card
The loan in three figures
- 3 %, fixedInterest rate a yearEffective annual rate about 3.04 %
- CHF 1’000 to CHF 1’000’000Amount
- 6 to 84 monthsTerm
CHF 846.94 a month, for CHF 10’000 over 12 months
Loan calculator
See the monthly payment and total cost of a personal loan before you give your name
Monthly payment
Enter an amount and a term.
CHF 846.94
- Total to repay
- CHF 10’163.25
- Interest rate a year
- 3 %, fixed
- Effective annual rate
- 3.04 %
One rate for every loan. Your offer shows your figures before you sign.
The term and the total
A longer term lowers the payment and raises the total
The same CHF 10’000 at our interest rate of 3 % a year, an effective annual rate of 3.04 %, over 12 and over 36 months. Compare the total you repay, not only the monthly payment.
Interest at 3 %
What to check in any offer
The effective annual rate is the full cost of the credit, interest and fees together, as a yearly percentage of the amount you borrow.
Maximum rate and effective annual rateAsk each lender for an offer for the same amount and term, and compare the effective annual rate and the total to repay.
How to compare personal loans in SwitzerlandWhat sets your rate, fixed and variable rates, and the other costs to check before you sign.
Personal loan rates and costs in Switzerland
One fixed rate
Your rate stays fixed to the last payment, and these terms apply to every loan.
About Swizeo
You deal with the lender itself
Swizeo lends its own funds, decides on your loan and is named in your contract.
Where to start
You see what we check before you apply
If you have a Betreibung (debt collection) or ZEK entry, or a residence permit, start with your rule.
Plan your next big purchase to the franc
Choose the amount and the term. You see the monthly payment and the total before you give your name.
Try it with your amountKnow our permit rule before you apply
Our rule for your permit, and what ZEK and Betreibung mean, explained before you give any personal details.
Loans with a residence permitEvery franc of the cost, before you apply
Monthly payment, total interest and total to repay, for your amount and term. No name or ID needed.
Open the full calculator
Credit check
Before it lends, a lender checks your budget and your records
Switzerland has no single credit score set by law. A lender checks that the payment fits your budget and looks you up at the IKO. It can also look at the ZEK and ask for your debt collection extract.
Your budget
Whether a new payment fits after your rent, your taxes and the credits you already repay.
Yours: make your own budget first.
How much can I borrow?The IKO
The information office the law requires. It shows your running consumer credits, leasing contracts, cards with a credit option and reported arrears.
Your extract: free, sent by letter.
ZEK and IKO explainedThe ZEK
A database shared by its members from the financial services sector: credit requests, credits, leasing, cards and official information such as bankruptcies.
Your extract: free, sent by letter.
What lenders checkThe Betreibung register
The debt collection proceedings of the past 5 years and any certificates of loss, kept by the debt collection office of your district.
Your extract: CHF 17, or CHF 18 if it is sent to you.
How to order a debt collection extract
Within the law, each lender decides which entries it accepts. The Consumer Credit Act sets no rule on nationality, no list of accepted permits and no minimum income: those rules come from each lender.
Money worries
If money is already tight, free debt advice comes first
A new loan can make things harder when your budget is already stretched. Every canton has public debt advice offices. They look at your budget, your debts and any Betreibung with you.
With them you can work out a payment plan, or a settlement with all your creditors.
The free hotline of Schuldenberatung Schweiz, the umbrella organisation of the non-profit debt advice offices
0800 708 708Monday to Thursday, 10:00 to 13:00
Find the office for your region on schulden.chSource: Schuldenberatung Schweiz, schulden.ch, read on 8 October 2026.
How to apply
Six steps, from your first question to the payout
Apply, send documents and sign on any device.
Check and calculate
The cost and your chances. No personal data.
Apply
Six steps, with your ID and a photo of your face. Pause any time.
Decision
A person on our credit team decides.
Offer and signing
Your rate, total cost and contract in short, before you sign.
Withdrawal period
You can change your mind after signing.
Payout
We send the money after the withdrawal period.
Before you apply
Have your ID, your permit and your monthly figures ready
Each question in the application says why we ask it.
- Your ID or passport, and your residence permit if you have one.
- Your phone with its camera, for the identity check. On a computer, you scan a code to continue on your phone.
- Your net monthly income, your housing cost, and your other loans, leasing and credit cards with a balance.
Please use your real figures.
A payment that looks affordable on paper but isn’t would only make things harder for you.
If you work for yourself
You have no payslip, so a lender can ask for other documents that show your income.
Loans for the self-employedQuestions
Short answers to the questions people ask before a loan
A person from our team answers you in the chat, and a person makes every loan decision.
People answer in the chat at any hour.
Who lends the money?
Swizeo, from its own funds. We decide, and our name is on your contract.
Is 3 % within the legal limit?
Yes. Our interest rate is 3 % a year for any amount, an effective annual rate of about 3.04 %. The Swiss maximum for cash loans is 10 % from 1 January 2026 (Federal Office of Justice notice, 31 October 2025).
Does using the calculator affect my credit record?
It needs no name or ID, only an amount and a term.
Can I pay back early?
Yes, any time, with interest only to the day you repay. For a part payment, pick a lower payment or a shorter term, shown side by side.
How much can I borrow?
It depends on what your budget leaves free each month, not on your income alone. For credits from CHF 500 to CHF 80’000, the lender must count your rent, your taxes and your other credits, and assume you repay within 36 months (KKG Art. 28).
Can I get a loan with a B or L permit?
A residence permit does not rule out a loan: the Consumer Credit Act does not mention permits or nationality. Which permits a lender accepts is its own decision, so ask before you apply.
Can I get a loan with a Betreibung?
The law does not rule it out, but a lender can see it and decides which entries it accepts. If the Betreibung is open because you cannot pay a bill, talk to a debt advice service before you look for a loan.
Can I get a loan without a credit check?
Not from a lender that follows Swiss law. A lender that grants consumer credit as a business must check that you can afford it (KKG Art. 27a) and ask the IKO about you before you sign. Swiss Crime Prevention and the police warn that dubious and fraudulent firms use this promise.
Can a loan be paid out instantly?
No, not a consumer credit from CHF 500 to CHF 80’000. The law requires a credit check and a written contract first, and gives you 14 days to withdraw. «Instant» can only describe how fast some of these steps go.
Guides
The guides explain the Swiss rules for your situation
Plain answers to the questions people ask before, during and after a loan. Each guide uses the Swiss terms and ends with one next step.
I want to borrow
How loans work in Switzerland, what they cost and how to compare offers.
I’m not sure I qualify
What lenders look at, and what each rule means for you.
I already have a loan
Combining credits, paying back early, withdrawing from a contract.
Money is tight
Free help first. A loan is not always the answer.
One fixed rate.
The same for every loan.
Borrowing is a normal way to spread a big cost.
Apply