Good news for anyone planning to take out a loan: at credXperts, you can get loans with an effective annual interest rate starting from 5.8 % if you’re a homeowner – and from 6.9 % if you’re a tenant. This means you can secure attractive terms for your personal loan in 2026 as well.
What does your personal interest rate depend on?
The interest rate a bank offers you is calculated on an individual basis. Four factors are particularly important: your creditworthiness (your past payment history and current financial commitments), your income and its stability, your housing situation – homeowners generally benefit from lower interest rates than tenants – and the chosen term of the loan. The better your overall profile, the closer your personal interest rate will be to the best rates mentioned.
Why it’s worth comparing several banks
The interest rate spreads between providers are considerable – the same enquiry may be assessed differently depending on the bank. Your personal adviser at credXperts will compare the terms and conditions of several Swiss credit institutions on your behalf, including Bank Now, Corner, Migros Bank and Cembra, and submit your application to the institution where you stand the best chance of securing the most favourable interest rate. This means that with a single enquiry, you’ll receive the most favourable offer for you – without having to approach several banks yourself.
Free of charge and with no obligation
Our advice and loan comparison service are completely free of charge and without obligation. You are under no obligation whatsoever – you simply find out what terms are available for your situation and can then make your decision at your leisure.
Lock in your interest rate now
Apply for a loan now at credxperts.ch – it only takes a few minutes to complete the application. Your personal adviser will get in touch with you straight away and let you know what interest rate you can expect.