Kredite Schweiz – Personal Loan Switzerland
At Kredite Schweiz, we believe that everyone should be able to shape their life according to their own wishes. Applying for a loan in Switzerland doesn’t always have to be so complicated.
Application form
Applying for a loan using this form is non-binding and free of charge. As soon as you submit your request, we will get back to you as soon as possible.
Consumer loans are prohibited if they lead to over-indebtedness (Art. 3 UWG).
How to apply for a personal loan?
Applying for a loan in Switzerland is very straightforward. The process of taking out a loan can be divided into the following 5 steps. If you have any questions, please do not hesitate to contact us. The Kredite Schweiz team will be happy to help you.
Step 1: Loan application
1. Loan application
To take out a loan, the first step is to fill out our application form online, in which you tell us the approximate amount of the loan. We will get back to you as soon as possible and put you in touch with the partner who suits your situation.
Our partners are among the established loan brokers in Switzerland and compare various offers for you in order to find the most favorable interest rate possible.
Of course, everything up to this point is free of charge and non-binding for you.
Step 2: Suitable credit provider
2. Suitable credit provider
The partner companies now need a few more details from you in order to get an overview of your finances. For example, you will need to provide proof of income (wage statement).
With personal loans, the reason for the loan remains a private matter and there are no conditions regarding its use.
Step 3: Credit check, loan offer, and interest rate
3. Credit check, loan offer, and interest rate
The lender will now check your application. Your creditworthiness and financial situation will be analyzed as standard, as this is a legal requirement in Switzerland.
After the Credit approval, you will receive an offer, which will also tell you the exact interest rate that could be obtained for you. As a general rule, the better your credit rating, the lower the interest rate. But even people with bad credit can get a decent interest rate if they apply to the right lender.
Step 4: Wait for the legal waiting period
4. Wait for the legal waiting period
If you accept the credit offer, sign it and wait until the statutory waiting period of 14 days has passed. This period is prescribed to protect borrowers and give them the opportunity to change their minds.
A quick loan alternative in Switzerland is only possible for relatively small loan amounts if you do not want to wait for the deadline. Since credit cards do not have a waiting period, you can apply for one that you receive immediately and use it as a mini instant loan. Some cards offer an extremely fast application process, but the credit limit is very limited compared to a personal loan. Further down on this page, you will find more information on suitable cards.
Step 5: Loan payout
5. Loan payout
Once the loan agreement has been signed and the deadline has passed, the loan amount is transferred directly to the account of your choice. From this point on, the repayment period begins in accordance with the conditions agreed in the contract.
Estimated monthly payment at 4.4% interest: CHF 0.00
Estimated monthly payment at 10.95% interest: CHF 0.00
About the Company «Kredite Schweiz»
Kredite Schweiz is a Swiss marketing SME in the financial sector, founded in 2023. The main goal of Kredite Schweiz is to help customers obtain the best possible loan. Customers can apply for a personal loan directly and easily using the application form and are forwarded to suitable credit brokers.
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. These comparative articles are intended to help the Swiss population gain a better overview of the numerous offers.
Mission: We help to find transparent and user-friendly credit solutions and improve the Swiss credit market with guides and independent comparisons.
Vision: A financial landscape where everyone has easy access to the best credit options and financial tools – with Kredite Schweiz as a trusted partner for financial matters.
Who are the founders?
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.
What is the advantage of taking out a loan via Kredite Schweiz?
Kredite Schweiz works with certified and established credit intermediaries in Switzerland. As soon as you submit the application form for a free quote, we will get back to you as quickly as possible and put you in touch with the right partner for your situation.
What are the advantages of credit brokers?
Thanks to their market knowledge and cooperation with Swiss financial institutions, credit brokers have access to a large selection of credit offers. This enables them to find suitable and often particularly favorable conditions for their customers.
Finding the right lender is often a major challenge for private individuals. Each lender assesses the risk profile of its customers differently and adjusts the interest rates accordingly. It is therefore important to know the differences between providers in order to make a good decision.
Working with a loan broker is a cost-effective and time-saving way to find suitable loan offers. Rely on professionals and use a professional loan broker.
Can foreigners take out a Swiss loan?
Yes, foreigners can take out a Swiss loan. With a B, C, or G residence permit, taking out a loan is almost the same as with Swiss citizenship. Germans living in Germany without a Swiss residence permit can get a Swiss loan, but the interest rates are higher, and there are fewer providers. If you are in this situation, add a note when you apply. If you have any questions, please contact us.
What is worth knowing about loans in Switzerland?
Kredite Schweiz makes every effort to explain the credit business to customers in a transparent, simple, and understandable way. Well-informed people are less likely to worry and know what is involved in financing and a loan agreement. The following list shows the most important articles on Kredite Schweiz about the credit industry in Switzerland.
- Credit basics: What do you need to know about credit?
- What types of loans are available in Switzerland?
- Swiss lenders: Extended loan comparison 2025
- What help is available for credit debt in Switzerland?
- How to qualify for a loan despite debt enforcement?
- How do you get a business loan in Switzerland?
- What is a microloan, and how to get one in Switzerland?
- Credit limit calculator: How is the credit limit determined?
What is worth knowing about credit cards?
Kredite Schweiz analyzes and evaluates the numerous credit card offers in Switzerland. Credit cards are the best means of payment in everyday life as they offer a range of bonus programs. If you need an additional credit card or are curious about how your current financial services provider is performing, take a look at the following articles.