Personal loan guide Switzerland
Applying for a loan sounds simple. But what should you watch out for? How does a credit assessment work, what does your loan really cost, and what are your rights as a borrower? The privatkredit.ch guide answers the key questions about personal loans, interest, and repayment. Every article is based on the Swiss Consumer Credit Act (CCA) and updated for 2026.
Before applying
Before you apply, know what the bank learns about you and how your creditworthiness is assessed — so you enter the process well informed.
During the loan term
Your loan is approved — here's how to manage it well and make the most of your repayment options.
Law and rights 2026
The Consumer Credit Act protects you from unfair terms. The legal side of personal loans, explained clearly and practically.
Comparisons and alternatives
Not every personal loan fits your situation. These articles show your options — even with a difficult credit history.
The questions never end — what's yours?
Find more helpful answers on the topic of personal loans.
Our FAQ page answers the most common questions about personal loans in Switzerland.