Are interest rates higher for disability pensioners?

Not automatically. The annual percentage rate depends on your creditworthiness, not on your IV status, and ranges from 4.9 to 9.95 percent. With a clean ZEK record and a stable income, you receive fair terms. The exact interest rate is calculated individually.

What if my IV pension is too low for the loan amount I want?

Additional documented income such as a pension fund pension, remaining earning capacity, or supplementary benefits improves your income position. A second borrower with their own income can also increase your credit capacity. Alternatively, a smaller loan amount or a longer term lowers the monthly payment.

Can I repay my loan as a disability pensioner early?

Yes. Under Art. 17 of the KKG, you can repay your consumer credit early at any time, with no prepayment penalty. This is your statutory right and applies to every loan for disability pensioners.

For disability pensioners · IV pension

Loans for disability pensioners in Switzerland: financing with an IV pension.

Q: Does my IV pension count as income for the loan?

Yes. The IV pension is recognized as regular income, just like an AHV pension. With a partial pension, the banks count the IV pension together with your remaining earning capacity and other documented income. What is decisive is your total, documented net income.

Q: Is a loan possible with a partial IV pension?

Yes, provided that your credit capacity allows it. With a partial pension, the IV pension is considered together with your remaining earning capacity and any other income. The banks assess your total income and set the payment so that it stays affordable.

Is this possible with an IV pension?

Yes, loans for disability pensioners exist, and we find the right one for you.

A common misconception is that anyone receiving an IV pension cannot get a loan in Switzerland. That is simply not true. What matters is not your IV status, but your creditworthiness, meaning a stable, regular income and a clean credit record. The pension from the disability insurance (IV) counts as eligible income, just like an AHV pension. This means disability pensioners meet the basic requirement for a personal loan for disability pensioners.

Loans are granted after an individual assessment: not every bank grants a loan for disability pensioners, but some of our partner banks do. This is exactly where privatkredit.ch comes in. We compare the providers that actually finance a loan with an IV pension and obtain the right quote for you. The loan for disability pensioners ranges from CHF 5'000 to CHF 300'000, with an annual percentage rate of 4.9 to 9.95 percent and terms of 12 to 84 months, always chosen so the payment stays affordable on your income.

Requirements

What you need to bring as a disability pensioner for the loan

These six points are what the banks check before they grant a loan for disability pensioners. The more clearly you meet them, the better the terms of your financing with an IV pension, and the more precisely we compare the right offers for you.

A regular IV pension

Your IV pension must arrive continuously and be documented with the pension ruling. It forms the basis for your loan as a disability pensioner and is counted as regular income, just like an AHV pension.

A full pension or a partial pension

With a full IV pension, your pension income is the supporting base. With a partial pension, the banks count the IV pension together with your remaining earning capacity and other documented income. What is decisive for the loan for disability pensioners is your total, documented net income.

An affordable monthly payment

The payment on your loan for disability pensioners must be comfortably affordable from your ongoing income. As a rule of thumb: the payment and your other obligations should not overburden your budget. That is exactly what the banks check when assessing creditworthiness under the KKG.

Residence in Switzerland and a Swiss account

A personal loan for disability pensioners requires residence in Switzerland and a Swiss bank account. The payout goes to an account in Switzerland, which is also where your pension deposits and loan payments flow through.

All income documented

Besides the IV pension, a pension fund pension, remaining earning capacity, supplementary benefits, or other regular income also count. Submit the pension ruling and the supporting documents so the banks can assess your loan for disability pensioners correctly.

A clean credit record

For a loan with an IV pension, the ZEK register in Switzerland is checked. Debt-collection proceedings, payment arrears, or outstanding debts lead to rejection. Other obligations such as existing loans, leasing, or alimony are also taken into account.

How the loan for disability pensioners works

Three steps to your loan as a disability pensioner

Schritt 1

Fill out the online request

Calculate the payment for your loan as a disability pensioner, complete the short application, and upload your documents such as the IV pension ruling and other proof of income right away, securely and encrypted.

Schritt 2

Receive your offer

Once your documents are complete, you usually receive your personal offer for the loan for disability pensioners within 24 hours.

Schritt 3

Payout to your account

After you sign the contract and the statutory withdrawal period has passed, the amount is transferred directly to your Swiss bank account.

What disability pensioners should watch out for

Three things to know about loans for disability pensioners

Fully document a partial pension

If you receive a partial IV pension, your remaining earning capacity counts alongside the pension. For your loan for disability pensioners, submit both the pension ruling and the payslips for your remaining earning capacity, so the banks can correctly assess your total income and thus your credit capacity.

Credit capacity over maximum amount

Under the UCA, a loan that leads to over-indebtedness may not be granted. Therefore choose the payment on your loan as a disability pensioner so that it remains affordable over the long term alongside your fixed costs. A longer term lowers the payment but raises the total costs.

Bank selection over a single rejection

Not every bank grants a loan for disability pensioners, and a single rejection does not mean that no financing is possible. Our comparison filters from the outset for the providers that finance pension income from the IV, and obtains your quote from them.

Frequently asked questions

Loans for disability pensioners: the most common questions

Yes. A stable IV pension counts as regular income and forms the basis for a loan for disability pensioners. What matters is not your IV status, but your credit capacity: the monthly payment must be comfortably affordable from your ongoing income. privatkredit.ch compares the banks that finance pension income for you and obtains a no-obligation quote.

Laufend aktualisierter Beitrag

Transparenz nach den publizistischen Leitlinien von privatkredit.ch

Stand: May 2026

Autor: privatkredit.ch editorial team, Editorial team for consumer credit
Fachliche Prüfung: Redaktionsinterne Gegenprüfung durch Kreditfachleute
Zuletzt aktualisiert: May 14, 2026, Inhalte werden laufend aktualisiert
Unabhängigkeit: Unabhängige Recherche, ausschliesslich offizielle Schweizer Quellen

Quellen und Referenzen

1Federal Act on Consumer Credit (KKG), SR 221.214.1. Fedlex, the Classified Compilation of Federal Legislation. fedlex.admin.ch/eli/cc/2002/593/en
2Disability Insurance (IV), pension benefits. Federal Social Insurance Office (FSIO). bsv.admin.ch
3Central Office for Credit Information (ZEK). ZEK, Zurich. zek.ch

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