Four steps to the
suitable personal loan
1.
Calculate your
personal loan and
leave your
details.
2.
We will get in touch with you and clarify the most important questions.
3.
We find
the bank with
the best
loan interest rate.
4.
You will receive
your suitable
personal loan.
What are the advantages of comparing loans
with credXperts?
We advise you on all credit matters
Whether you are applying for a personal loan, repaying a credit card or adjusting your credit rating - our credXperts can advise you on all credit matters. Calculate and apply for your consumer loan today.
Credit comparison with various Swiss banks
Our experts' loan comparison checks the interest rates of various loan providers in Switzerland to find the best offer for your loan.
Avoid rejections when applying for a loan
With our comprehensive preliminary check of your online credit application, we help you to optimise your creditworthiness. This will help you avoid rejections from ZEK and increase the chances of your loan being approved. We will be happy to help you clear up negative entries in the various credit agencies.
We handle your personal loan from A to Z
As soon as you calculate and apply for your personal loan online with us, we will take care of everything until your loan is approved - from searching for favourable interest rates to making an enquiry with the right bank and paying out the desired loan amount. Even after you have received your loan, we remain your first point of contact for you and your concerns.
Finding the best loan in Switzerland can be a challenge. But with credXperts, your credit rating neutral and experienced Partner in the credit searchthis process is simplified. Our aim is to provide you with an overview of the most favourable loans in Switzerland so that you can tailor the loan conditions to your financial situation.
The importance of credit comparisons
A loan comparison is the first step towards taking out a loan that is not only favourable but also tailored to your needs. Thanks to our comprehensive comparison options, which include credit institutions such as Cembra Money Bank AG, Bob Finance and Lend, we offer you an exclusive selection of consumer loans. This comparison helps you to optimise your monthly instalment, APR and term to keep your overall loan costs low.
Also interesting: Credit with residence permit B, C or G
Key factors for comparing loans in Switzerland
Loan amount and term
The choice of loan amount and term has a significant impact on the monthly instalments and the total cost of the loan. We help you choose an amount that suits your needs, while the term can be flexible to ensure convenient repayment.
Central Office for Credit Information (ZEK)
The ZEK review is a crucial step in the lending process. Our experts ensure that the lending process is transparent and fair in order to guarantee ZEK compliance.
Interest and credit costs
The APR and interest costs are critical factors that influence the choice of the best loan. We offer you a transparent overview of the interest conditions, including the "two-thirds interest rate", so that you can find the most favourable loans in Switzerland.
Why choose credXperts for your loan comparison?
With credXperts at your side, finding a loan in Switzerland becomes a simple and efficient process. Our credit experts understand your needs and offer customised solutions, from the selection of the best loan to the final loan approval. Lending is prohibited if it would lead to over-indebtedness, so we take special care to ensure that the loan conditions suit your financial situation.
Get in touch with us
For a personal consultation or further information about our services, you can contact us at any time via our e-mail address. Whether you want to apply for an online loan or compare loans from home, credXperts is your reliable partner for loan comparison in Switzerland.
Finding the best loan in Switzerland requires careful consideration and comparison. With credXperts, you get access to a comprehensive range of loan offers tailored to your individual needs. Start your loan comparison with us today and benefit from favourable loans that promote your financial freedom.
How do we proceed with a loan comparison?
Are you unsure which bank will make you the best offer for your loan enquiry?
The credXperts credit advisors compare all the conditions of the Swiss credit banks and find the most favourable solution for your loan application. With our many years of experience and the expertise of our credit advisors, we help you to find a suitable and favourable loan with low interest rates.
During a non-binding consultation, we will explain the most important topics relating to your creditworthiness, current interest rates and the current criteria for taking out or granting a loan.
Start your loan comparison today -
Calculate and apply for a loan now
What are the different conditions for a personal loan?
In principle, all banks must comply with the Swiss Consumer Credit Act (CCA). This law is intended to protect borrowers from over-indebtedness and create the framework conditions for the personal credit market. The conditions between banks can vary: This can be recognised by the interest rates charged, the loan amounts granted or the terms offered.
The Credit advisers at credXperts We’ll explain how the differences in personal loans in Switzerland arise and show you what to bear in mind when applying for a loan. Current interest rates from 5.8 %, eligibility criteria and loan terms at a glance: Personal loan Switzerland.
Independent credit comparison Switzerland
Compare and calculate loans online with a neutral loan calculator.
Where can I find a favourable loan or who is the best lender? Which loans are available? On this page we give you an overview of loan comparisons in Switzerland. You can also find out why it is always worth comparing loans online - including existing loans.
Loan comparison Switzerland: Find the best loan interest rate with credXperts
Whether car loan, consumer loan or business loan - a loan comparison is worthwhile. As an independent credit broker, we offer you a serious loan comparison in Switzerland.
Calculate your loan interest rate now with our loan interest calculator and compare the loans from the various loan providers in Switzerland.
Is a loan comparison worthwhile?
Yes, it's always worth comparing loans, because the interest rates and fees offered by the various Swiss credit providers differ and change all the time. Even if you have a current loan, it is worth comparing loans: you may be able to get a better interest offer than with your current credit bank.
What many people also don't realise: The Consumer Credit Act (KKG) stipulates that you can redeem a current loan at any time. Find out everything you need to know here about how you can repay a loan early and save money.
Where can I find a favourable loan?
There is no such thing as the cheap loan or the best loan provider. Where you find a favourable loan is always individual. This is because the loan interest rate depends on various conditions:
- Loan amount
- Credit period
- Creditworthiness and risk assessment
- Loan type and intended use
- Risk policy of the Kreditbank
Just as there are individual borrowers with individual needs, there are also loan providers who offer customised loan solutions. This is why a loan comparison is recommended before making a loan enquiry. Our experts' loan comparison checks the interest rates of various loan providers in Switzerland to find the best offer for your loan.
How does a loan comparison work?
If you’re unsure which bank will offer you the best loan deal when applying for a loan, don’t worry – the independent loan advisers at credXperts will take care of it. To do this, we compare all the terms and conditions offered by Swiss banks (Go to the loan interest calculator) and thus find the most cost-effective solution for your loan application. Drawing on our many years of experience and the expertise of our loan advisers, we’ll help you find a suitable and affordable loan with low interest rates.
And this is how a loan comparison works:
- In a non-binding consultation, we first get to know you and discuss your needs. We will explain the most important topics relating to your creditworthiness, current interest rates and the current criteria for taking out or granting a loan.
Tip: With a credit rating adjustment, you increase your chances of being granted a loan or reduce the risk of a loan being refused. - If your credit rating is right and you fulfil the requirements for a loan, we will immediately compare the offers from Swiss loan providers. As soon as we have found a suitable offer for you, we will send it to you.
- You now check the personal loan offered. If it is right for you, you sign the loan application. As soon as the loan agreement is signed and sealed, we will take care of paying out the desired loan amount.
Do you still have questions about the loan comparison? Or would you like credit counselling? We look forward to hearing from you: +41 44 244 34 00 / info@credxperts.ch.
Or do you have enough information about the credit comparison? Then start your loan comparison today - calculate your credit limit and apply for a loan now.
What does a loan comparison cost?
A credit comparison is free of charge with credXperts. You can compare loans online or after a personal credit counselling session with us.
Contact us - we will be happy to show you your options: +41 44 244 34 00 / info@credxperts.ch. We guarantee you a free loan comparison and a fast response service so that you can get your loan quickly.
Do I need any data or documents from myself for a loan comparison?
Our loan comparison as a loan calculator or loan interest calculator can be used directly online and without any personal details. Simply enter your desired loan amount and loan term in our loan calculator and compare the individual loans and loan interest rates. In the next step, you can apply for your loan directly online.
We need this information from you for free credit counselling including a credit application:
- Amount of the loan
- Duration of the loan term
- First name, surname and date of birth
- Nationality and marital status
- Professional situation and your monthly net income
- Your contact details (address, telephone number, e-mail)
Would you like to find out more about comparing loans in Switzerland or receive personalised advice? We look forward to your call or message: +41 44 244 34 00 / info@credxperts.ch.
Which credit providers does credXperts compare?
As an independent credit broker, we compare the credit offers of the most relevant Swiss credit providers. These include:
Of course, we also compare loans from other providers, as you can see in our loan comparison.
Simply contact us for a personalised credit comparison - we will be happy to help you: +41 44 244 34 00 / info@credxperts.ch.
From the loan comparison to the desired loan
You only need four steps to do this - thanks to our online loan application:
- Enter your desired loan together with your personal details and financial circumstances. Financial circumstances include income, expenditure, liabilities and information about your creditworthiness.
- Next, we will check your details and get back to you to discuss and arrange everything else.
- We then look for the right credit bank that offers you the best conditions for your personal loan.
- Finally, you will receive your loan offer, which you only need to sign. We will then ensure that you receive your loan as quickly as possible.
Start your loan application now
Compare loans and apply online: Here’s how it works at credXperts
With a single online enquiry, you can compare loan offers from several Swiss banks – without having to contact each bank individually. The enquiry takes around five minutes, is free of charge and comes with no obligation.
- Fill in the online enquiry form: Please state the amount, term, income and housing situation.
- Preliminary assessment by credXperts: We will review the details you provide and only submit your enquiry to banks whose criteria match your profile. This helps you avoid unnecessary rejections, which remain on record at the ZEK as credit applications.
- Compare offers: You will usually receive the terms and conditions within 24 hours – including the effective annual interest rate, instalments and total costs.
- Signing the contract and receiving payment: You choose the best offer and sign the contract. Depending on the bank, the payment will be made within a few working days; you also have a statutory right of withdrawal for 14 days.
What are the benefits of comparing loans in Swiss francs?
Even a few percentage points can make a big difference when it comes to a personal loan. For example: CHF 30,000 over 60 months.
| Annual percentage rate | Monthly instalment | Total interest expense |
|---|---|---|
| 5.8 % (homeowners) | CHF 577 | approx. CHF 4,630 |
| 6.9 % (tenant, good credit rating) | CHF 593 | approx. CHF 5,560 |
| 8.9 % | CHF 621 | approx. CHF 7,280 |
| 9.9 % | CHF 636 | approx. CHF 8,160 |
There is a difference of over CHF 3,500 between the best and an average offer here. You can calculate other amounts and terms using the Credit calculator Switzerland.
Loan comparison tailored to your situation
- Loan comparison for homeowners – the lowest interest rates from 5.8 %
- Credit with residence permit B, C or G
- Credit comparison despite existing credit – pay off the debt and reduce the instalments
- Credit comparison without changing banks
- Find a loan with low interest rates
- What documents you need for a loan comparison
Frequently asked questions about loan comparisons in Switzerland
How many banks does credXperts compare?
We compare the relevant Swiss providers of personal loans, including BANK-now, cashgate, Cembra, bob Finance and good finance – and submit your application specifically to the provider where you stand the best chance of approval.
Can I apply for a loan online without going to the bank?
Yes. The enquiry, paperwork and contract are all handled entirely online or by post. You do not need to make an appointment at the bank.
Will the settlement affect my credit rating?
The loan calculator is anonymous. A ZEK credit reference check is only carried out once a bank has assessed your application. That is why we do not submit your enquiry to all banks indiscriminately.
How quickly will the loan be paid out?
Provided all the documents are in order, the bank will usually pay out within a few working days of the contract being signed. Find out more: Loan with fast disbursement.
Contact us
Other types of loans and guides from credXperts
- Personal loan Switzerland – Amounts up to CHF 250,000
- Small loan Switzerland – get quick funding for smaller amounts
- Take out a loan – Requirements and procedure
- Apply for a loan – online, reply within 24 hours
- Car loan Switzerland
- Credit with B authorisation
- Credit calculator Switzerland – Calculate monthly instalment
- Redeem loan – refinance an existing loan on more favourable terms