Debt Consolidation in Switzerland: Refinance Existing Loans and Save

Debt consolidation means replacing one or more existing loans with a new loan offering better conditions. In Switzerland, you can save up to 40% on interest costs through debt consolidation. It is particularly worthwhile if your existing loans were taken out at higher interest rates or if you want to combine multiple smaller loans into a single one.

Benefits of debt consolidation

  • Up to 40% interest savings compared to existing loans
  • Combine all loans into a single, clear installment
  • Option to adjust the loan term
  • Reduce your monthly burden
  • No hidden costs for debt consolidation
  • Transparent comparison with your current conditions

Requirements for debt consolidation

For a successful debt consolidation, similar requirements apply as for a new loan:

  • Minimum age of 18
  • Residence in Switzerland
  • Regular income
  • Current loan agreements for review
  • No unresolved debt collection proceedings

How debt consolidation works

1

Provide your current loans

Share your existing loan agreements with us – we will assess the savings potential.

2

Receive a new offer

You will receive a non-binding offer with the new, more favorable conditions.

3

Authorize the consolidation

If you agree, we will take care of paying off your existing loans.

4

Benefit from lower installments

From now on, you pay a single, more affordable installment – simple and clear.

Frequently asked questions

Debt consolidation is worthwhile if your current interest rate is higher than current market conditions. Also, if you have multiple loans, combining them into one can lower your monthly burden and improve your financial overview.

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