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Loan Calculator

Desired amount
CHF 30'000.00
5'000.00300'000.00
Duration (months)
84
Monthly installmentCHF 442.15

Granting a loan is prohibited if it leads to over-indebtedness (Art. 3 of the Swiss Federal Act against Unfair Competition (UWG)).

Loan types at a glance

A personal loan is not just a personal loan.

Depending on what you need the money for, there are specialized products with better conditions or added benefits.

Cash loan

The classic personal loan. The money goes straight to your account, free to use, with no earmarked purpose. You decide what for.

Learn more
Finance a car

Car loan

Found a car but missing the financing? As a cash buyer you negotiate at the dealer and often save 5 to 15%. The car is yours from day one, with no leasing commitment.

Savings up to 15%
Refinance loans

Debt consolidation

What relieves you is not primarily the interest rate, but your monthly installment. Several ongoing obligations eat into your income. Debt consolidation bundles them into one fixed installment, usually lower than the sum of the individual ones.

Installment reduction up to 30%
Small need

Small loan

Need a manageable amount from CHF 5'000? A small loan is often cheaper than a credit card or an overdraft, with a fixed installment instead of expensive ongoing interest.

Amount from CHF 5'000
Your rights

Consumer credit

The legal term for all personal loans in Switzerland. Here you learn everything about your rights under the Swiss Consumer Credit Act (KKG).

Right of withdrawal 14 days
Home ownership

Renovation loan

Renovation loan for the kitchen, bathroom, roof, or heating, with no change to your mortgage. Predictable installments, terms of 12 to 84 months, interest from 4.9%. Renovation costs are often tax-deductible.

Financing no mortgage
Further education

Education loan

Invest in your education or professional development. A flexible loan bridges what a scholarship or savings do not cover, with terms up to 84 months.

Term up to 84 mo.
Health

Dental loan

Implants, braces, or dentures: start your treatment now and pay conveniently in instalments, instead of putting your health on hold.

Repayment in instalments
Health

Medical loan

Surgeries, therapies, or specialist treatments: when your health insurance does not cover everything, bridge the costs and decide on the treatment without pressure.

Offer in 24 hrs
Leisure

Motorcycle loan

Your dream motorcycle is ready and waiting? Secure it now and spread the cost over predictable monthly installments. Application in 2 minutes.

Application in 2 min
Leisure

Boat loan

Sailboat or motorboat: for larger purchases from CHF 81'000, the money goes straight to your account, so you can act as a cash buyer with the seller.

Direct payout from CHF 81'000
Everyday life

Moving loan

Moving company, new furniture, deposit: a move costs many things at once. With a loan you cover it all flexibly and free to use, with no proof of purpose.

Use free

How to apply for your personal loan

Your Swiss personal loan in three steps.

At privatkredit.ch, the process is secure, simple, and transparent.

1

Complete the online application & upload documents

Calculate your monthly payment, fill out the short online application, and upload your documents securely and encrypted.

2

Receive your offer

Once your documents are complete, you'll receive your personalized loan offer within 24 hours.

3

Payout to your account

After you sign the contract, the amount is transferred directly to your bank account.

A loan for every situation

The right loan for every stage of life.

Recognize your situation? Then a personal loan is possible for you.

Permanent employees

Employed, past the probation period, with a fixed salary.

Hourly wage

Employed on an hourly wage, with a regular income.

Temporary employees

With the same temp agency for 12 months.

Self-employed

Own company, tax assessment instead of a salary certificate.

Cross-border commuters

G permit, place of work in Switzerland.

Loans for foreigners

Valid residence permit, no Swiss passport required.

B permit

B residence permit, residence in Switzerland.

C permit

C settlement permit, residence in Switzerland.

Retirees

AHV and pension-fund income as income.

Disability pensioners

Disability pension (IV/AI) as a regular income.

Homeowners

Homeowners receive special conditions at certain banks.

Why privatkredit.ch

We fight for every application and your best result.

privatkredit.ch is the specialized Swiss platform for personal loans, with over 20'000 satisfied customers.

Over 100 years of lending experience

Our team brings together more than 100 years of lending experience and knows the industry inside out. We enjoy great trust with our partner banks and act as the ideal intermediary between you and the bank.

Fast processing

Time is decisive with a loan. Application in 2 minutes, offer within 24 hours, with no branch visit.

Fair interest rates

Individual terms based on your creditworthiness. We push for the best available rate, often cheaper than a single offer.

Transparent terms

No hidden fees, no advance payment. Reputable providers never ask for money up front. The APR (effective annual rate) includes all costs.

Personal advice

Individual review of every application. Together we find the best solution for your situation.

Swiss quality

Licensed credit brokerage based in Switzerland, fully compliant with the Swiss Consumer Credit Act (KKG). Your data is protected under the Swiss Data Protection Act (DSG).

Frequently asked questions

Frequently asked questions about personal loans.

The key answers about your personal loan in Switzerland, short and clear.

A personal loan is a loan where the money flows directly into your account, without collateral such as real estate. Banks and financial institutions grant it after a full check of your creditworthiness and affordability. Depending on the provider, from CHF 5'000 to CHF 450'000, terms of 12 to 84 months. The money is freely usable and not tied to any specific purpose. The KKG regulates everything: strict checking obligations, consumer protection, your right of withdrawal.

Ready for your personal loan?

Calculate your installment now in 30 seconds.

Enter the amount and term and see right away what your personal loan costs. Non-binding, free, no registration. Over 20'000 satisfied customers trust us.

Calculate your personal loan now