How high are the interest rates at Creditolino?

Creditolino states the effective annual interest rate as 4.9% to 9.9%, risk-based depending on creditworthiness and application. Where exactly you land depends on your individual credit capacity.

How does repayment work at Creditolino?

Unlike a classic installment loan, there is no fixed term. You repay at least 2% of the drawn credit amount each month; you decide the rest yourself. This gives you room to maneuver, but it also requires self-discipline in repayment.

Can I repay a Creditolino loan early?

Yes, in full or in part and at any time, with no early repayment penalty. That is the rule for Swiss consumer loans under the CCA.

What documents do I need for a Creditolino application?

Typically a valid ID, for foreign nationals a residence permit valid for at least two years, and your last three payslips. The application runs entirely online; the contract is then sent to you for signature.

Loan Provider

CreditolinoPersonal Loanat a Glance

Q: Who is behind Creditolino?

The operator is MF Group AG, founded in 2013 and headquartered in St. Gallen. Since June 2021, MF Group AG has been majority-owned by Bertelsmann SE & Co. KGaA. The Creditolino brand itself has been registered since 2014.

Creditolino is not a bank, but a lending brand of MF Group AG, headquartered in St. Gallen and on the market since 2014. Instead of a classic installment loan with a fixed term, Creditolino offers a revolving credit line: you decide the monthly repayment yourself, as long as at least 2% of the credit amount flows back. It sounds flexible, and it is, but it raises different questions than a classic bank loan. This profile shows what stands behind the brand, and where Creditolino fits your situation.

About the Provider

Who is Creditolino?

Are you looking for a loan and ended up at Creditolino? Then you should first know who you are dealing with: Creditolino is a product name, not an independent lending institution. The operator is MF Group AG, a stock corporation headquartered in St. Gallen, founded in 2013. Lending does not take place under a FINMA banking license, but under the Consumer Credit Act (CCA) and its accompanying ordinance (VKKG), as Creditolino's own contract documents state.

The Creditolino brand has been registered with the trademark register since 2014, so it has existed for roughly a decade. Since June 2021, MF Group AG has been majority-owned by Bertelsmann SE & Co. KGaA, a German media and services group. This makes its ownership structure markedly different from Swiss bank or cantonal bank providers in the market.

The product itself works differently from an ordinary installment loan: there is no fixed term, only a revolving credit line between CHF 2'500 and CHF 50'000. You repay at least 2% of the amount drawn each month; you decide the rest. Those looking for a predictable, fixed monthly installment over a fixed term will find a better fit with classic installment loans.

This is exactly where privatkredit.ch comes in: Creditolino is one provider among several, with a product that does not suit every profile. We know the lending criteria of Swiss lenders, whether bank, cantonal bank, or fintech provider, and direct your request to the provider that fits your situation, instead of you applying individually and leaving unnecessary traces in your credit record.

Facts & Figures

Creditolino: The Key Facts

Loan amount: CHF 2'500 to CHF 50'000
Interest rate range: 4.9% to 9.9% effective annual interest rate, risk-based (as stated by Creditolino, as of July 2026)
Structure: revolving credit line with no fixed term, minimum monthly repayment 2% of the credit amount
Legal basis: CCA / VKKG, no FINMA banking license
Early repayment: possible in full or in part at any time, no early repayment penalty
Ancillary fees: per the terms and conditions, e.g. for reminders and paper statements; the loan itself is fee-free
Operator: MF Group AG, a stock corporation headquartered in St. Gallen
Owner: majority-owned by Bertelsmann SE & Co. KGaA, since June 2021
Brand since: trademark registered in 2014

Who Creditolino Fits

Which Profiles Creditolino Suits

Borrowers looking for a flexible credit line with no fixed term who want to control the repayment amount themselves each month.

People who prefer a fully digital application process, including online identification.

Applicants with smaller to medium loan amounts between CHF 2'500 and CHF 50'000.

People willing to accept an interest rate at the upper end of the range in exchange for a flexible model, if their creditworthiness places them there.

Not ideal for anyone who wants a fixed, predictable monthly installment for the entire term; classic installment loans are a better fit there.

Questions About Creditolino

Frequently Asked Questions About the Creditolino Loan

No. Creditolino is a brand of MF Group AG, headquartered in St. Gallen, not a bank and not a P2P platform. Lending takes place under the Consumer Credit Act (CCA) and the VKKG ordinance, not under a FINMA banking license.

Laufend aktualisierter Beitrag

Transparenz nach den publizistischen Leitlinien von privatkredit.ch

Stand: July 2026

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

Quellen und Referenzen

1Creditolino (creditolino.ch). creditolino.ch
2Creditolino contract, terms and conditions (MF Group AG). terms.mfgroup.ch/agbfiles/Creditolino-Vertrag_de.pdf
3Legal notice, creditolino.ch. creditolino.ch/de/impressum
4Consumer Credit Act (CCA), Fedlex. fedlex.admin.ch/eli/cc/2002/747/de

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