CasharePersonal Loanat a Glance
Cashare is the first Swiss crowdlending platform, founded in 2008 in Hünenberg, canton of Zug. Instead of coming from a bank's balance sheet, the money here comes from private and institutional investors who fund borrowers directly. Anyone looking for an alternative to classic banks eventually comes across this model. This profile shows how Cashare works, what the platform is regulated for, and where it fits your situation.
Who is Cashare?
Cashare AG, headquartered in Hünenberg, canton of Zug, has been on the market since 2008 and describes itself as the first Swiss crowdlending platform. Instead of a bank, a pool of investors stands behind every loan, funding your request through the platform.
Legally, Cashare is not a bank, but a lender with a cantonal authorization from the Zug Department of Economic Affairs. Cashare is additionally a member of the self-regulatory organization Polyreg and is thus recognized as a financial intermediary under the Anti-Money Laundering Act.
Alongside personal loans, the platform also issues SME loans and mortgages, and it brokers investment opportunities for investors. For private individuals, the personal loan line with flexible terms is the most relevant.
This is exactly where privatkredit.ch comes in: Cashare is an independent model with its own lending criteria that does not suit every profile equally well. We know the requirements of Swiss lenders, whether bank or platform, and direct your request to the provider that fits your situation, instead of you applying individually at multiple addresses and leaving unnecessary traces in your credit record.
Cashare: The Key Facts
- Loan amount
- CHF 1'000 to CHF 1'000'000 (platform-wide, including SME and property financing)
- Interest rate range
- 4.9% to 9.95% effective annual interest rate (as of July 2026)
- Terms
- 1 to 60 months
- Funding model
- crowdlending: loans are funded by private and institutional investors, not from a bank's balance sheet
- Authorization
- lender license from the Zug Department of Economic Affairs, no FINMA banking authorization
- Regulation
- member of SRO Polyreg, recognized financial intermediary under the Anti-Money Laundering Act
- Early repayment
- possible at any time under the CCA; only interest up to the repayment date applies
- Founded / headquarters
- 2008, Hünenberg (canton of Zug)
Which Profiles Cashare Suits
Frequently Asked Questions About the Cashare Personal Loan
- Autor
- privatkredit.ch Editorial Team, Editorial Team for Loans & Financing
- Fachliche Prüfung
- Redaktionsinterne Gegenprüfung durch Kreditfachleute
- Zuletzt aktualisiert
- July 8, 2026, Inhalte werden laufend aktualisiert
- Unabhängigkeit
- Unabhängige Recherche, ausschliesslich offizielle Schweizer Quellen
- 1Cashare AG. cashare.ch
- 2Cashare Personal Loan, Product Page. cashare.ch/kredit-beantragen/privatkredit
- 3Cashare Legal Notice. cashare.ch/impressum
- 4Consumer Credit Act (CCA), Fedlex. fedlex.admin.ch/eli/cc/2002/747/de
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