Personal loan guide Switzerland

Everything you need to know about personal loans in Switzerland. Our expert guides help you make informed decisions.

How Much Loan Can I Afford?

Before applying for a loan, you should know exactly what monthly installment you can afford. A personal loan in Switzerland must fit your personal financial sit...

Loan Despite Debt Collection Proceedings – Is It Possible?

A debt collection entry (Betreibung) can make it harder to obtain a loan but does not necessarily rule it out. In Switzerland, each lender individually assesses...

Credit Assessment in Switzerland: How It Works

A credit assessment is a central part of every loan application in Switzerland. It serves to evaluate the creditworthiness of the applicant. Learn here how the ...

ZEK Entry: What Is Stored and What Does It Mean?

The Zentralstelle für Kreditinformation (ZEK – Central Office for Credit Information) is the central database for consumer loans and leasing contracts in Switze...

Effective Annual Interest Rate: How to Compare Loans Correctly

The effective annual interest rate is the most important comparison metric for consumer loans in Switzerland. It includes all costs of a loan and enables a fair...

Consumer Credit Act (KKG): Your Rights as a Borrower

The Swiss Consumer Credit Act (KKG) protects borrowers from over-indebtedness and unfair business practices. It regulates the granting of consumer loans and est...

Repaying a Loan Early: Rights and Process

In Switzerland, you have the right to repay your consumer loan early at any time – in full or in part. This option can save you significant interest costs. Lear...

Deducting Loan Interest from Taxes: How It Works

Did you know that interest on consumer loans in Switzerland is tax-deductible? You can claim the interest paid as a deduction in your tax return. Learn here how...

Calculating Credit Capacity: Guide and Tips

Credit capacity determines whether and how much you can borrow. In Switzerland, the credit capacity assessment is required by law. Learn how the calculation wor...

Loan vs. Leasing: Which Is Better?

Whether for a car, furniture, or other purchases – the question is often: loan or leasing? Both forms of financing have advantages and disadvantages. This compa...

Still have questions?

Our FAQ page answers the most common questions about personal loans in Switzerland.

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