Kredite Schweiz – Free Information Hub for Loans

Kredite Schweiz is your information hub before, during, and after taking out a loan. We help you reduce your costs, understand your options, and feel more confident when dealing with loans. Our primary goal is to increase transparency in the Swiss credit market.

Personal Loan

Loan for personal purposes

Student Loan

Student loan

Business Loan

Business loan

Credit Card

Credit Cards

Ask us your loan questions!

About the platform Kredite Schweiz

Kredite Schweiz is a platform that provides free information and comparisons of Swiss credit products. Kredite Schweiz is a Swiss marketing SME in the financial sector that was founded in 2023. The main goal of Kredite Schweiz is to help customers find the best possible credit through transparency and education. Kredite Schweiz is currently still in the test phase and does not operate commercially, which means that all services are completely free of charge.

To promote transparency in the Swiss credit business, articles with credit tips and credit knowledge are published regularly. Kredite Schweiz analyzes and tests various credit offers and writes detailed comparisons and reviews. The guides are intended to help the Swiss population gain a better overview of the numerous offers available.

Mission: We help people find transparent, user-friendly loan solutions and improve the Swiss credit market through independence and a customer-first focus.
Vision: A financial landscape in which everyone has easy access to the best credit options and financial tools – with Kredite Schweiz as a trusted partner for financial matters.

Founders of Kredite Schweiz

Simon Niklaus and Michael Schmied founded the Kredite Schweiz platform. Simon Niklaus is the founder, CEO, and editor. Michael Schmied is the co-founder and financial analyst.

Simon Niklaus
Simon Niklaus
Founder
Michael Schmied
Michael Schmied
Joint founder
Our Team Relies on Experience.
About the Founders

Official profiles of Kredite Schweiz

Below you will find the official internet profiles of Kredite Schweiz.

Kredite Schweiz Logo

Social Media

Business Profiles

Where can you get the best loan?

You can get the best loan where the lender assesses the borrower’s personal profile as posing the lowest risk. You can get the best loan by finding the right lender. To find the right lender, you can use a loan comparison tool or apply for a loan through a loan broker.

Lender banks include, for example, Cembra, UBS, Raiffeisen, Migros Bank, and ZKB. Peer-to-peer providers include, for example, Lend, Cashare, Swisspeers, and Splendit.

What loan types are there in Switzerland?

There are personal loans, peer-to-peer loans, education loans, business loans, mortgage loans, and special types of loans such as credit cards and pawn loans in Switzerland.

Personal loans (consumer loans) are loans between CHF 500 and CHF 80,000 with a minimum term of three months. The maximum effective annual interest rate for personal loans is 10 percent in 2026. When applying for a personal loan, you do not need to state the reason for taking out the loan. Most personal loans are used for personal expenses such as vacations, purchasing a vehicle, or renovations.

Car loans

Car loans are considered regular personal loans in Switzerland. Whether the loan for a car is applied for under the name of a personal loan or a car loan does not matter. The only difference between car loans and personal loans is that car loans are sometimes processed directly through the vehicle seller and are therefore reserved for a specific purpose.

Small loans

Small loans are all loans with a low amount, but they are considered regular personal loans starting at CHF 500. Small loans offer fast payouts and simple application procedures, especially with digital providers. There is no upper limit for small loans, as the term “small loan” is unofficial.

Peer-to-peer loans are loans granted by private individuals to other private individuals without a bank acting as an intermediary. P2P loans are almost always granted via P2P platforms and are available to private individuals, corporate customers, and students. P2P loans often have low interest rates, but borrowers and investors face higher risks because lending without banks involves uncertainty.

Education loans are loans that are used for studying or further education. Student loans are mainly issued by the cantons. Further education loans are mainly issued by credit institutions. Unlike scholarships, student loans must be repaid, but usually only after graduation and with favorable interest rates. The requirements for a student loan are a certificate of enrollment and often a guarantee.

Business loans (corporate loans) are loans for companies to cover operating costs, investments, and other business purposes. Business loans are flexible in terms of contractual agreements, because they are not subject to the FLCC. Business loans include working capital loans, investment loans, and microloans.

Mortgages are loans used to finance a property and are secured by the property itself. There are various types of mortgages: fixed-rate mortgages, Saron mortgages, variable-rate mortgages, and construction loans.

Special types of loans include credit cards, pawn loans, bridging loans, green loans, development loans, and disaster loans. Credit cards and pawn loans are the most common types of special loans.

Credit cards

Credit cards have an installment payment option that can be used as an overdraft facility. When using the installment payment option, interest rates of 8%–12% apply, depending on the provider. Credit cards offer advantages such as insurance coverage and bonus programs. Kredite Schweiz has an article about the best credit cards in Switzerland.

Pawn loans

Pawn loans are short-term loans for which collateral is provided. Pawn loans can be processed extremely quickly, as no credit check is required. This type of loan is only available for short periods, and the pawned item cannot be used during the term of the loan. Compared to other types of credit, pawn loans are expensive because of the costs incurred for storing and handling the item. Pawn loans in which securities are used as collateral are called Lombard loans.

How are loans regulated?

The regulation of personal loans is set out in the Consumer Credit Act (FLCC). The consumer protection provisions in the Consumer Credit Act protect borrowers from excessive debt. Legal age, a creditworthiness check, and a 14-day right of withdrawal are mandatory.

The credit check is a legally required process in which lenders assess the creditworthiness and credit rating of the applicant. The credit check involves analyzing the applicant’s proof of income, existing financial obligations, and credit history. The result of the credit check is decisive for the approval of the loan and determines the interest rate conditions.

Loans carry financial risks such as excessive interest rates and fees, inflexible loan terms, over-indebtedness, damage to creditworthiness, and fraudulent offers. To protect against credit risks, it is worth being informed about loans, choosing a reputable lender, and in some cases, debt restructuring or insurance.

How to protect from excessive debt caused by loans?

To protect yourself from excessive debt through loans, you need to take preventive measures. Effective prevention includes a detailed budget plan, ensuring a good credit rating, and choosing the right lender. Lenders are prohibited from granting loans to people at risk of debt. If it is too late, debt counseling services can help.

Does installment insurance for loans make sense?

Installment insurance is not worthwhile for borrowers in most cases, because the costs are very high and there are numerous exclusion criteria. At Kredite Schweiz, we only consider credit insurance to be worthwhile in exceptional cases. Legal expenses insurance is a good alternative if you want additional protection.

When does debt restructuring make sense?

Refinancing makes sense if the interest rate on the new loan is lower than on the existing loan and the processing fees for the new loan are moderate. If your credit rating has improved since you originally took out the loan, refinancing can quickly pay off. Refinancing is worthwhile if you have high credit card debts. Borrowers benefit from the FLCC because early repayment of consumer loans must always be possible free of charge.

For tax purposes, interest paid on loans can be deducted until the abolition of the imputed rental value. The loan amount may be deducted from assets. You should keep all relevant supporting documents to be able to correctly declare interest payments in your taxes.

Loans despite debt collection proceedings are not possible, unless the proceedings were in the past and have been concluded. If debt collection proceedings are still ongoing, loans are not possible and alternatives must be pursued. For more information, read our article on loans with debt collection proceedings.

The maximum loan amount is calculated so that your disposable income is sufficient to pay the interest and amortization within 36 months. To calculate your limit, use our credit limit calculator.