Fixed rate, 6 to 84 months
Personal loan
for private individuals
in Switzerland
Borrow CHF 1’000 to CHF 1’000’000 and spread a planned cost over 6 to 84 months. One fixed rate for every loan, and the full cost up front.
Next: the six steps, starting with your loan, still without your name or ID.
3 %Interest rate a yearFixed, the same for every loan. Effective annual rate about 3.04 %.
CHF 846.94a month, for CHF 10’000 over 12 months
Representative example
- Example
- CHF 10’000 over 12 months
- Monthly payment
- CHF 846.94
- Interest in total
- CHF 163.25
A loan costs money, and a missed payment has consequences. Read what happens if a payment gets hard.
Loan calculator
See your monthly payment and total cost before you apply
It updates as you type. No name or ID needed.
A shorter term costs more each month and less in total. Try both.
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 %
Next: the six steps, starting with these figures. No personal data asked.
What you get
One fixed rate, and the same payment every month
Interest at 3 %
A longer term lowers the payment and raises the total.
- Interest rate
- 3 % a year, the same for every loan
- Effective annual rate
- About 3.04 %
- Rate type
- Fixed for the whole term
- Amount
- CHF 1’000 to CHF 1’000’000
- Term
- 6 to 84 months, in whole months
- Monthly payment
- Same every month
- Paying back early
- Any time, in full or in part
- Payment protection insurance
- Not offered
Your rate
The same fixed rate for every loan
Every Swizeo loan has an interest rate of 3 % a year, an effective annual rate of about 3.04 %, fixed for the whole term. The amount, the term and our check don’t change it. Our check decides whether we can lend, not the rate.
Your offer shows your figures and total cost. Nothing is final until you sign.
How to apply
You apply online, and a person on our credit team decides
Apply online
Six short steps, from the loan to an ID check.
Credit check
With your consent, we check with the credit offices we name, and whether the payment fits your budget.
Decision
A person on our credit team decides. A no comes with the reason, as far as the rules allow, and a next step.
Offer and signing
Your rate, total cost and contract in short. You sign online.
Withdrawal period
You can withdraw after signing.
Payout
We send the money after the withdrawal period.
Who can borrow
We tell you what we need to see, and why
If one of these rules you out, better to know now.
| Requirement | Our rule | Why we ask |
|---|---|---|
| Age | Under 18, a credit contract needs the written consent of a legal representative (KKG Art. 13) | |
| Where you live | Almost every country in the world | Swizeo lends to people living in almost any country |
| Residence permit | ||
| Income | The payment must fit your budget | |
| Betreibung (debt collection) | Open debt collection affects what you can afford | |
| ZEK and IKO entries | They show credits you already repay |
Guides for harder cases
Documents
Have your ID or passport ready, and your permit if you have one
- Your ID or passport, and your residence permit if you have one.
Upload them in the application when asked; we say why.
Questions
Short answers on the lender, the legal rate limit and early repayment
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.
Before you decide
A loan is not always the answer
- You always repay more than you borrow.
- Combining credits can take longer to pay off and cost more. Compare both totals.
- If bills are already hard to pay, a new loan can make it harder. Free debt advice can help, for example Schuldenberatung Schweiz.