Maximum interest rate

Also called: Höchstzinssatz

Since 1 January 2026, the maximum for a cash loan, such as a personal loan, is an effective annual rate of 10 %. For overdrafts and for credit or customer cards with a credit option, it is 12 % (VKKG, Art. 1; Federal Office of Justice, notice of 31 October 2025).

A consumer credit contract above the maximum is void: you repay what you received, and you owe no interest or costs (KKG, Art. 14 and 15). A contract keeps the maximum that applied when it was signed (VKKG, Art. 9a).

What it means for your loan

Swizeo’s interest rate is 3 % a year, fixed for the whole term and the same for every loan. Its effective annual rate is about 3.04 %, below today’s maximum of 10 %.

Explained in full

More on this

Sources

  1. Höchstzinssatz für Konsumkredite sinkt per 1. Januar 2026Federal Office of Justice (FOJ), read on
  2. Verordnung zum Konsumkreditgesetz (VKKG), SR 221.214.11, Art. 1 and 9aSwiss Confederation, Fedlex, read on
  3. Bundesgesetz über den Konsumkredit (KKG), SR 221.214.1, Art. 1, 5, 6, 7, 9, 14, 15, 18, 33, 34, 35Swiss Confederation, Fedlex, read on

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