How large can my loan be as a permanent employee?

At privatkredit.ch, loans from CHF 5'000 to CHF 300'000 are possible, provided your credit capacity allows it. The maximum loan amount is based on the credit-capacity assessment under the CCA. Under the UCA, no loan may be granted that leads to over-indebtedness.

Can I have several loans at the same time?

In principle yes; what remains decisive is your credit capacity. As long as the assessment is positive, the bank may grant a further loan, but it does not have to. It is often worthwhile to consolidate existing loans into a single obligation: the assessment has to take all obligations into account and calculate so that you can carry them together with the new loan within 36 months, even if the existing loans have longer terms.

What happens if I lose my job?

The existing loan agreement remains valid, and the installments are still owed. Inform your bank early; there are often short-term solutions such as a deferral. An optional residual-debt insurance (also called payment-protection insurance) can cover part of the installments in the event of illness, accident, unemployment, or incapacity to work; we recommend it in most cases.

What happens if I change jobs during the term?

A change of job has no effect on your existing loan agreement. The agreed installments remain unchanged, regardless of your employer.

Can I repay the loan early?

Yes. Under Art. 17 CCA, you may repay early at any time and save the interest for the remaining term. Interest is only charged for the time actually used.

How long does it take from application to payout?

With complete documents, you usually receive the loan offer within 24 hours. After signing the contract, the statutory 14-day withdrawal period follows; only after that does the payout take place. This period applies to loan amounts between CHF 500 and CHF 80'000; if the amount is higher, banks may also pay out the loan directly after reviewing the contract documents.

Do I get a fixed interest rate as a permanent employee?

Yes. Under the CCA, the agreed effective annual interest rate is binding for the entire term. You always pay the same rate, regardless of market developments. The effective annual interest rate ranges from 4.9% to 9.95% and is set individually.

For permanent employees · Open-ended contract

Loan for permanent employees in Switzerland: securing the best conditions.

Why a loan runs through privatkredit.ch

We look for the solution: the loan you will actually get.

Getting a loan in Switzerland is not as simple as it sounds. The banks calculate differently, they are cautious, and they rarely tell you openly why a request has failed. Anyone who applies to one bank after another on their own collects an entry with every attempt and thereby worsens their own credit standing, often without ever learning why it did not work out.

This is exactly where a credit broker is worth its weight in gold. We know the banks and know which bank approves which profile. We prepare your request so that it lands, and we negotiate for you. You complete the request only once, and we obtain the matching offer for your loan as a permanent employee, instead of you knocking on each bank individually.

A regular income and an open-ended employment contract are, from the bank's point of view, the opposite of risk: your employer pays reliably, and your income is documented and stable. That is why permanent employees in Switzerland receive particularly good conditions for a consumer loan. The effective annual interest rate ranges from 4.9% to 9.95% and is always calculated individually, depending on credit standing, loan amount, and term.

Requirements

What you need to bring as a permanent employee

These are the points the banks check before they grant a loan for permanent employees. The more clearly you meet them, the better the conditions of your loan, and the more precisely we compare the right offers for you.

Identity

For the loan application you need a valid ID: a Swiss identity card, passport, residence permit, or cross-border commuter permit.

Age 18 to 67

You must be of legal age, and the entire loan must be repaid before the age of 70. Shorter terms are possible, but then your credit capacity is often no longer sufficient for the amount you want.

Income

For every source of income you need proof of the last three months, whether main or secondary income; a bonus can be counted too. The more evidence you submit, the better for your credit capacity.

Expenses

The bank checks your expenses for plausibility and may request further documents. It is best to enclose a current health-insurance premium statement for yourself or your household along with your rental agreement right away. This spares you additional inquiries, because otherwise the banks often calculate with higher flat rates, especially for health insurance.

Family circumstances

Whether you are single, married, or divorced affects the credit-capacity calculation. Single applicants have a lower base allowance, married applicants a higher one; for divorced applicants, alimony often applies, which feeds directly into the credit-capacity assessment.

Employment relationship

How long you have already been with the company counts: the longer, the better from the bank's point of view. The type of your income also plays a role, because you can be permanently employed and still be paid by the hour, on commission, or with variable compensation.

ZEK and IKO

These registers have two parts, one under the CCA and one that the banks keep themselves; what matters is that there are no negative entries. Ongoing obligations such as loans, leasing, as well as overdraft accounts and credit cards over CHF 3'000 are also stored, and all of these feed into the credit-capacity assessment. If you have already been rejected several times without explanation, it may be due to your ZEK or IKO extract: talk to us, and we help you avoid unnecessary entries and correct incorrect ones.

Credit report

Banks work with credit reference agencies that collect and rate your payment behavior. Whoever always pays on time receives a good rating; if there are payment problems, the score drops, and the bank may reject you for that reason. A free self-disclosure shows you what is stored about you.

How the loan for permanent employees works

Three steps to your loan as a permanent employee

Schritt 1

Complete the online request

Calculate the installment for your loan as a permanent employee, complete the short application, and upload your pay slips right away, securely and encrypted.

Schritt 2

Receive an offer

Once your documents are complete, you receive your personal offer for the loan for permanent employees within 24 hours.

Schritt 3

Payout to your account

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

What permanent employees should watch out for

Three particularities of the loan for permanent employees

Wait out the probation period

During the probation period, banks generally do not grant a loan, because the employment can still be terminated at very short notice. Wait until the probation period has ended; after that, as a permanent employee you have the best chances of an approval. Before the payout, you also have to submit the fourth pay slip or an employer confirmation that documents the completion of the probation period.

Credit capacity over maximum amount

Your loan should not overburden your budget. Under the UCA, a loan may not be granted if it leads to over-indebtedness; so plan the installment so that it remains comfortably affordable alongside your fixed costs.

Fixed-term or open-ended

An open-ended contract signals durability and brings the best chances of an approval; a fixed-term contract is assessed more cautiously, and the term then ends with the employment. Some professions, such as teachers, have fixed-term contracts that are renewed again and again. For these cases too, our team filters from the outset for the banks that grant a loan in this situation.

Frequently asked questions

Loan for permanent employees: the most frequently asked questions

No. That is your private matter. The bank does not contact your employer. It may request a general employer confirmation, but this is neutral, and you do not have to tell your employer that you need it for a loan.

Laufend aktualisierter Beitrag

Transparenz nach den publizistischen Leitlinien von privatkredit.ch

Stand: April 2026

Autor: privatkredit.ch editorial team, Editorial desk for consumer credit
Fachliche Prüfung: Redaktionsinterne Gegenprüfung durch Kreditfachleute
Zuletzt aktualisiert: April 12, 2026, Inhalte werden laufend aktualisiert
Unabhängigkeit: Unabhängige Recherche, ausschliesslich offizielle Schweizer Quellen

Quellen und Referenzen

1Federal Act on Consumer Credit (CCA), SR 221.214.1. Fedlex, the Federal Systematic Compilation of Law. fedlex.admin.ch/eli/cc/2002/593/de
2Credit-capacity assessment and maximum interest rate (Art. 28 ff. CCA, OCCA). Fedlex, the Federal Systematic Compilation of Law. fedlex.admin.ch/eli/cc/2002/593/de
3Central Office for Credit Information (ZEK). ZEK, Zurich. zek.ch
4Information Office for Consumer Credit (IKO). IKO. iko-info.ch/de-ch/kredit-leasingnehmer
5Self-disclosure. CRIF. crif.ch/privatpersonen/selbstauskunft/haeufig-gestellte-fragen/
6Consumers. Intrum. intrum.ch/de/konsumenten/uber-intrum/

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