Loans for temporary workers in Switzerland: financing without permanent employment.
Yes, loans for temporary workers exist, and we find one for you.
A common misconception: that anyone working temporarily through a staffing agency cannot get a loan in Switzerland. That is not true. What matters is not the permanent contract, but your creditworthiness, meaning a stable, regular income and a clean credit record. It is true that the requirements for a loan for temporary workers are stricter than for open-ended permanent employment, and that some banks do not assess temporary work at all. But some of our partner banks do.
Anyone who has worked for at least twelve months continuously with the same staffing agency and can document the assignments without gaps meets the basis for a loan as a temporary worker. The loan is granted after an individual assessment. This is exactly where privatkredit.ch comes in: we compare for you the providers that actually grant a temporary loan without permanent employment, and we obtain the matching quote. That way you see which financing fits your situation as a temporary worker, instead of being discouraged by a blanket rejection from a major bank.
What you need to bring as a temporary worker
Banks check these six points before granting a loan for temporary workers. The more clearly you meet them, the better the terms of your temporary loan, and the more precisely we compare the matching offers for you.
At least 12 months with the same staffing agency
The core condition for a loan as a temporary worker: at least twelve months continuously with the same staffing agency. Banks want to see a continuous relationship, not just occasional assignments. Frequent changes of staffing agency or longer breaks noticeably reduce your chances.
Framework and assignment contract
A current framework contract with your staffing agency and the assignment contracts of the past twelve months are just as central to the temporary loan as the length of the assignments. They document the continuous cooperation with the same staffing agency.
Regular, predictable income
A stable income forms the basis of your creditworthiness. Banks calculate conservatively using the average of the past six to twelve months. Sharply fluctuating hours and assignment durations have a negative effect, while a gap-free record strengthens the loan for temporary workers.
Swiss residence and a Swiss bank account
For a loan as a temporary worker you need residence in Switzerland and a Swiss private account: the payout is made exclusively to an account in Switzerland. You must provide bank statements for the past three months.
Clean credit record without debt collection
For the temporary loan, the ZEK register is checked. Active debt collection proceedings or open attachments lead to a rejection. Before applying, order a ZEK self-disclosure to correct any errors.
Age between 18 and 67
For a loan for temporary workers you must be of legal age, and the term should end within your working years. Other obligations such as existing loans, leasing, or alimony are also taken into account.
Your temporary loan in three steps
Complete the online application
Calculate the installment for your temporary loan, complete the short application, and upload your assignment contracts and payslips right away, securely and encrypted.
Receive an offer
Once your documents are complete, you will usually receive your personal offer for the loan as a temporary worker within 24 hours.
Payout to your account
After signing the contract, the amount is transferred directly to your Swiss bank account.
Three particulars of the loan for temporary workers
Do not apply during a break between assignments
Do not submit the application during a break between two assignments. An interrupted employment activity considerably lowers the approval chances for the temporary loan. Apply while you are stably engaged in an ongoing assignment.
Choose a conservative, affordable installment
Temporary work means fluctuating income. Choose a monthly installment for your loan as a temporary worker that remains affordable even during short gaps between assignments. A longer term lowers the installment and increases the approval chances.
Staffing agency and bank selection
Not every bank grants a loan to temporary workers, and the major banks often reject temporary work across the board. Our comparison filters from the outset the providers that actually assess temporary workers, and obtains your quote from them, instead of a single rejection ending your application.
Loans for temporary workers: the most frequent questions
- Autor
- privatkredit.ch editorial team, Specialist editorial team for consumer credit
- Fachliche Prüfung
- Redaktionsinterne Gegenprüfung durch Kreditfachleute
- Zuletzt aktualisiert
- April 24, 2026, Inhalte werden laufend aktualisiert
- Unabhängigkeit
- Unabhängige Recherche, ausschliesslich offizielle Schweizer Quellen
- 1Federal Act on Consumer Credit (CCA), SR 221.214.1. Fedlex, Classified Compilation of Federal Legislation. fedlex.admin.ch/eli/cc/2002/593/en
- 2Federal Act on Recruitment Agencies and the Hiring of Services (Recruitment Act, RecrA), SR 823.11. Fedlex, Classified Compilation of Federal Legislation. fedlex.admin.ch/eli/cc/1991/392_392_392/en
- 3Central Office for Credit Information (ZEK). ZEK, Zurich. zek.ch
By your side in every situation
Just start the loan calculator.
We review every situation and get back to you with a non-binding loan offer.
Calculate your loan