Monatliche Rate
von 5,8%
bis 9,95%
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250'000 CHF
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100'000 CHF
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80'000 CHF
0 CHF
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70'000 CHF
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5'000'000 CHF
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200'000 CHF
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1'000'000 CHF
0 CHF
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250'000 CHF
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At credXperts you will find the best interest rate in Switzerland.
Everything about interest rates, interest rates and the loan interest rate comparison
What exactly is interest? Why are there different interest rates? And what is the difference between an effective and a nominal interest rate? You have probably already asked yourself these and other questions about interest rates. In the following sections, we will therefore show you what interest rates are, which factors influence the amount of an interest rate and why it is important to compare interest rates for personal loans in order to get effectively favourable loans.
What is interest?
Interest is the amount of money that a debtor pays for borrowed money such as a loan or mortgage. The amount of interest is measured in per cent and expressed as an interest rate that is fixed over a certain period of time. What applies to loans also applies to savings: You lend your money to the bank, and the bank pays you a savings interest rate (= credit interest), which is hardly worthwhile nowadays due to the low interest rates.
What is worthwhile, however, is comparing interest rates - just like when applying for a personal loan: Because you can save money by comparing loan interest rates.
Why are there different interest rates?
How favourable a loan is depends on the interest rate, which in turn depends on various factors:
Because several factors influence the interest rate, it can pay off to compare interest rates from different loan providers. As a credit broker, we constantly compare the current interest rate for personal loans: Thanks to our independence, we can offer you the best loan interest rate in Switzerland. Tip: Compare the interest rate on your existing loan too. You may be able to get lower interest rates with a loan repayment.
What is the difference between the effective and nominal interest rate?
A bank sets the nominal interest rate for a loan over a certain term. This is also known as the borrowing rate and corresponds to the amount of money that a borrower has to pay for their loan. The effective interest rate is used when, in addition to the Nominal interest rate other factors are also included such as Processing fees, loan term and repayment instalments. However, according to the Swiss Consumer Credit Act no additional costs are included - everything must be reflected in the interest rate. A longer term of a personal loan is associated with higher interest costs if the loan is utilised over the entire term. However, a Longer running time also worthwhile, because you Better distribution of risk and are therefore more flexible. And if you can repay a loan early, you can benefit from an interest waiver. You can use our Loan repayment calculator use. It is therefore important to weigh up all the pros and cons carefully and compare them with your personal situation in order to find the right loan offer that suits you.
Effective annual interest rate between 4.4 % and 9.95 %
Everything about interest rates, interest rates and the loan interest rate comparison
At credXperts you get the best interest rate in Switzerland - flexible, fast and transparent. The effective interest rates are between 4.4 % and 9.95 % - depending on the results of your credit check. Because our loan brokerage is independent, we have more leeway than traditional credit banks when it comes to setting and comparing interest rates.
If you would like to benefit from better interest rates for a personal loan compared to other loan providers, let us calculate your desired loan amount. The term can be selected between 6 and 120 months.
Which bank has the best loan interest rates?
Unfortunately, the answer is not so simple. This is because credit institutions each pursue their own risk policy. This alone results in different offers for loan interest rates. There are also other conditions that have an influence on the loan interest rate. These include, among others:
- the amount of the loan
- the duration of the loan term
- Your creditworthiness and risk assessment by the credit bank
- the type of loan and the intended use
As you can see: Not all loan rates are the same. Every borrower has their own requirements for a personal loan and also has individual requirements in terms of ability to pay and credit limit. This is why loan interest rates vary from loan provider to loan provider. This makes it all the more important to compare the loans and loan interest rates.
Use our loan interest calculator to compare the interest rates for your personal loan.
Loan interest rate comparison: compare loan interest rates online and apply for a favourable loan
Our loan rate comparison is free of charge: simply start our online loan calculator or online loan rate calculator without entering any personal data. All you need to enter is the desired loan amount and loan term. In turn, our online loan calculator compares the individual loans and loan interest rates. Give it a try and compare the loan interest rates online.
We only need this information from you if you request 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 more information about the loan interest rate comparison? Or personal credit counselling? Then don't hesitate to contact us: +41 44 244 34 00 / info@credxperts.ch.
Loan interest calculator and loan calculator: are there differences?
No. Because the amount of a loan instalment can only be calculated anyway if you also know and can calculate the loan interest rate. Our online loan calculator therefore takes into account everything you need to calculate your loan or loan interest rate:
- Loan amount
- Credit period
- Effective loan interest rates (spread between the most favourable and the most expensive offer)
- Loan instalment per month according to the interest rate spread
With our online loan calculator, you can quickly and easily compare the current loan interest rates and apply for a favourable loan.
Of course, we can also carry out a personalised loan interest rate comparison for you. Just ask us: +41 44 244 34 00 / info@credxperts.ch.
Compare loan interest rates - apply for a loan
Have you researched the loan interest rates and loan interest rate comparison in detail and would now like to apply for your loan online? It's easy to do online - thanks to our online loan application:
- Simply enter your desired loan and add your personal details and financial circumstances. The financial circumstances include income, expenses and liabilities and information about your creditworthiness.
- As soon as you have done this, we will check your details and get in touch with you to discuss and organise everything else.
- Once we have found the right credit bank for you, we will send you your loan offer.
- All you need to do now is sign your loan offer. We will then ensure that your loan is paid out to you as quickly as possible.
Apply for a loan now and calculate the effective interest rate
With us, you can quickly get the low-cost loan you want!