Calculate your car loan online
Enter your desired loan and the loan term in our car loan calculator. You will then immediately see how high the monthly loan costs for your car are.
Four more steps to a car loan
- Apply now
1.
Calculate your
Car loan and
leave your
Details
2.
We get in touch with
you in contact
and clarify the
most important questions.
3.
We find
the bank with
the best
Conditions.
4.
You will receive
Your suitable
Credit for your
Car.
Apply for a car loan and
benefit from these advantages
Personal and comprehensive advice on car loans
Whether it's a personal loan, leasing or car financing - our credXperts will advise you on all financing matters relating to your car purchase.
Comparisons of the different financing options
Our credit experts compare the financing types of various credit providers in Switzerland to find the best offer for your car loan.
Whether car loan or leasing - here you can find out what the differences are.
Avoid rejections for car loans
We check your online car loan application comprehensively to optimise your credit rating. This will help you avoid rejections at ZEK, so that your chances of getting a car loan despite a poor credit rating are good. We can also help you to restore your credit rating by making adjustments with the various credit agencies.
Credit processing from A to Z
As soon as you calculate and apply for your car loan online with us, we take care of everything until your car loan is approved - from the search for favourable financing options to an enquiry with the right bank to the disbursement of the desired loan amount. Even after your car loan has been paid out, we remain your first point of contact for your concerns.
How do we proceed with a credit enquiry
for your car purchase?
The Credit counsellor from credXperts check your creditworthiness on the basis of a personal credit consultation and show you which criteria are relevant for the granting of a loan. After a comprehensive needs analysis, we work with you to find the best financing product that best meets your requirements.
It's not just the desired loan amount that's important - make sure that the monthly instalment on your car loan or lease is affordable. It is important to choose the right term so that the loan or leasing instalments do not put a strain on your household budget.
You can repay a car loan early at any time, the interest costs only affect the effective term. You are welcome to use our repayment calculator for loans. The situation is different with leasing, as you will see in the next section.
Car loan or leasing: what are the differences?
A lease is a triangular transaction between the car garage, the lessor (leasing company) and the lessee (vehicle owner). The leasing company buys the car from the garage. It is therefore the owner of the vehicle and imposes certain restrictions, such as the number of kilometres or the obligation to have fully comprehensive insurance. The lessee is the user of the car for a contractually agreed period. In return, they pay the contractually agreed leasing instalment each month. In addition, they bear all maintenance costs in the same way as someone who owns a car - whether paid in cash or via a car loan.
A consumer loan - also known as a personal loan - is not tied to a specific purpose: If you finance your car with a car loan, the vehicle is yours from day one. You can freely dispose of the car and sell it on at any time. In the case of leasing, on the other hand, the Road Traffic Licence Office code 178 applies: as the lessee, you are not allowed to sell the vehicle (= change of ownership prohibited).
Another difference between a car loan and leasing is the early cancellation of the contract: if you cancel a leasing contract early, you have to pay additional costs and penalty interest. With early cancellation of a car loan, you even benefit from an interest waiver. Furthermore, leasing is not tax-deductible like a car loan. You can deduct the full amount of a car loan from your taxes - the loan interest from your income and the loan debt from your assets.
What requirements do you need to fulfil for a car loan?
The Consumer Credit Act (KKG) regulates the requirements for credit eligibility: According to this, a loan - whether for a vehicle, a student loan or for another investment - may only be granted to persons of legal age who are gainfully employed. Borrowers must be able to pay their loan instalments from the non-attachable part of their income. Furthermore, you should be able to repay a consumer loan, including interest, within 36 months, even if you have agreed a longer loan term. In addition to these requirements for taking out a loan, Swiss credit providers also check other criteria.
Car loan in Switzerland: your options and possibilities
Here is a brief, concise summary of why we at credXperts are the ideal partner for your car loan:
Car loan made easy:
At credXperts, our goal is to get you the best car loan possible. We understand that financing a car is an important decision and will help you get the loan amount you need at a favourable interest rate. Use our user-friendly car loan calculator for Switzerland to help you finance your car.
A car loan that suits you:
We offer customised car loans for private individuals. Our experts will provide you with comprehensive advice to find a solution that meets your needs. Whether you need a small or large loan amount, our team is ready to present you with the best offers.
Effective annual interest rate and interest rate:
Transparency is important to us. That is why we provide you with detailed information about the interest rate of our loans. This interest rate includes all costs, there are no other fees or similar, so that it can also be referred to as the effective interest rate or there is no difference. We want you to make an informed decision and have cost transparency for your car loan.
Flexible payment options:
We offer flexible payment options to suit your financial circumstances. Our car loans are designed to enable you to realise your dream of owning a car without creating financial pressure.
Calculate credit - quick and easy:
With our online calculator, you can easily calculate the loan amount and monthly instalment for your car loan. This process is straightforward and gives you a clear idea of the costs you will incur.
Car loans for different vehicle types:
In addition to cars, you can also obtain loans for other vehicles such as motorbikes from us. Our solutions are versatile and tailored to a wide range of needs.
Credit enquiry and advice:
Do you have questions about the car loan? Our experts are available to answer any question and guide you through the process. We're just a phone call or email away to help you.
Conclusion and outlook:
Our goal at credXperts is to not only get you a car loan, but a financial solution that will benefit you in the long run. Visit our website to learn more about our services and start your car loan application on our website today.
Calculate a car loan in Switzerland: instalments for CHF 20,000, 30,000 and 45,000
How much does a car loan actually cost in Switzerland? The table shows typical amounts for used cars, new mid-range cars and electric cars – with 5.8 % (terms for homeowners) and 6.9 % (terms for tenants with a good credit rating).
| Vehicle price (loan) | Runtime | Rate at 5.8 % | Rate at 6.9 % | Total interest expense (6.9 %) |
|---|---|---|---|---|
| CHF 20,000 (second-hand) | 48 months | CHF 468 | CHF 478 | approx. CHF 2,940 |
| CHF 20,000 | 60 months | CHF 385 | CHF 395 | approx. CHF 3,710 |
| CHF 30,000 (new car) | 48 months | CHF 702 | CHF 717 | approx. CHF 4,420 |
| CHF 30,000 | 60 months | CHF 577 | CHF 593 | approx. CHF 5,560 |
| CHF 45,000 (electric car) | 60 months | CHF 866 | CHF 889 | approx. CHF 8,340 |
| CHF 45,000 | 72 months | CHF 742 | CHF 765 | approx. CHF 10,080 |
Annuity calculation, rounded. The bank will determine your personal interest rate following a review. You can calculate your own figures using the Credit calculator Switzerland.
Car loan or lease – which is cheaper for CHF 30,000?
Leasing payments often appear lower because there is a residual value at the end of the term and the car remains the property of the leasing company. With a car loan, you pay off the vehicle in full, become the owner from day one, are free to sell it at any time and are not tied to comprehensive insurance or mileage limits. If you intend to keep the car for longer than four to five years or cover a lot of kilometres, a car loan is usually the more cost-effective option. You can find a detailed cost comparison in the guide Car loans or leasing in Switzerland.
Financing a used car, a new car or an electric car
- Occasion: When taking out a loan, the age of the vehicle is irrelevant – unlike with leasing, which is often not even offered for older cars.
- New cars: If you take out a loan, you can negotiate with the dealer as if you were paying in cash and will often receive a discount that covers part of the interest costs.
- Electric car: Higher purchase costs, but lower running costs. A slightly longer repayment term keeps the instalments manageable; early repayments are possible at any time.
- Motorbikes and motorhomes: They work on the same principle – the loan is not tied to the vehicle.
Who is eligible for a car loan in Switzerland?
Banks generally approve car loans for applicants with a fixed income and permanent employment (probationary period completed), who are resident in Switzerland (Swiss nationals, C permit or B permit, subject to a minimum period of residence depending on the bank) and a clean credit history from the ZEK and no outstanding debt enforcement proceedings. Existing leases and loans are taken into account in the budget calculation – so it is sometimes worth using the new loan to pay off an existing lease. The Budget calculator.
Repay a car loan early or pay it off in full
Under the Consumer Credit Act, you are entitled to repay a car loan in full or in part at any time; in that case, you will only owe the interest accrued up to the date of repayment. If you already have an expensive car loan, check with the Redemption calculator, how much you’ll save with a cheaper offer.
Personal loan Switzerland:
This could also be
be helpful
At credXperts, we are independent credit brokers in Switzerland. Our aim is to find a personal loan for you that fits your credit limit and offers you favourable interest rates. Our principle for success is to provide comprehensive credit counselling. This enables us to compare loans throughout Switzerland and provide you with attractive financing for your investments.
From experience, we know the questions, concerns or uncertainties of our customers, as well as all the requirements if you want to take out a loan in Switzerland. We have therefore compiled all the relevant information on applying for a personal loan below.
Credit comparison Switzerland
Would you like to take out a personal loan in Switzerland at the best possible rate? To help you do so, we compare all personal loan offers from Swiss banks for loan amounts of up to CHF 250,000. And all this at an attractive interest rate starting from 5.8 % (homeowners) / 6.9 % (tenants) and with a loan term of up to 120 months.
Fewer loan application rejections (credit rating adjustment)
When you apply for your personal loan online, we will check it immediately. In doing so, we try to optimise your creditworthiness (= clearing up ZEK entries). This increases your chances of being approved for a loan.
Frequently asked questions and answers about applying for a loan in Switzerland
Whether it's loan redemption, ZEK/CRIF or tax deduction of loan interest - we collect questions about loans that might interest you on a daily basis and answer them in our loan FAQ.
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Advice in French and Italian
credXperts provides advice throughout Switzerland, including in French and Italian – for French-speaking Switzerland, Ticino and cross-border commuters from France and Italy.
Other types of loans and guides from credXperts
- Car loan or lease? – A comparison of the pros and cons
- Deduct car loan from tax
- Personal loan Switzerland – Amounts up to CHF 250,000
- Small loan Switzerland
- Credit comparison Switzerland – five banks with an enquiry
- Apply for a loan – online, reply within 24 hours
- Credit calculator Switzerland – Calculate monthly instalment
- Redeem loan – refinance an existing loan on more favourable terms