CHF 0.0
120 Monate

Monatliche Rate

von 5,8%

bis 9,95%

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Cembra Money Bank
Effektiver Jahreszins 7.95% bis 9.95% Zusatzkosten: Nein
Kreditsumme 1'000 CHF bis
250'000 CHF
Mtl. Kosten 0 CHF bis
0 CHF
Gesamtkosten 0 CHF bis
0 CHF
Jetzt anfragen
Bank-now
Effektiver Jahreszins 7.90% bis 9.90% Zusatzkosten: Nein
Kreditsumme 1'000 CHF bis
250'000 CHF
Mtl. Kosten 0 CHF bis
0 CHF
Gesamtkosten 0 CHF bis
0 CHF
Jetzt anfragen
Migros Bank
Effektiver Jahreszins 4.7% bis 5.9% Zusatzkosten: Nein
Kreditsumme 1'000 CHF bis
100'000 CHF
Mtl. Kosten 0 CHF bis
0 CHF
Gesamtkosten 0 CHF bis
0 CHF
Jetzt anfragen
bob Finance
Effektiver Jahreszins 4.9% bis 9.9% Zusatzkosten: Nein
Kreditsumme 1'000 CHF bis
80'000 CHF
Mtl. Kosten 0 CHF bis
0 CHF
Gesamtkosten 0 CHF bis
0 CHF
Jetzt anfragen
BCGE
Effektiver Jahreszins 6.40% bis 6.40% Zusatzkosten: Nein
Kreditsumme 2'500 CHF bis
70'000 CHF
Mtl. Kosten 0 CHF bis
0 CHF
Gesamtkosten 0 CHF bis
0 CHF
Jetzt anfragen
CreditGate24
Effektiver Jahreszins 4.80% bis 9.90% Zusatzkosten: Ja
Kreditsumme 5'000 CHF bis
5'000'000 CHF
Mtl. Kosten 0 CHF bis
0 CHF
Gesamtkosten 0 CHF bis
0 CHF
Jetzt anfragen
LEND - Switzerlend
Effektiver Jahreszins 3.5% bis 9.8% Zusatzkosten: Ja
Kreditsumme 5'000 CHF bis
200'000 CHF
Mtl. Kosten 0 CHF bis
0 CHF
Gesamtkosten 0 CHF bis
0 CHF
Jetzt anfragen
Cashare
Effektiver Jahreszins 3.90% bis 9.90% Zusatzkosten: Ja
Kreditsumme 1'000 CHF bis
1'000'000 CHF
Mtl. Kosten 0 CHF bis
0 CHF
Gesamtkosten 0 CHF bis
0 CHF
Jetzt anfragen
Crowd4Cash
Effektiver Jahreszins 3.9% bis 8.9% Zusatzkosten: Ja
Kreditsumme 5'000 CHF bis
250'000 CHF
Mtl. Kosten 0 CHF bis
0 CHF
Gesamtkosten 0 CHF bis
0 CHF
Jetzt anfragen

With credXperts you will find the best interest rate in Switzerland

Interest rate comparison: What you should know about interest and interest rates

If you want to compare interest rates, you should have an answer to these questions: What exactly is interest? Why are there different interest rates? And what is the difference between an effective and a nominal interest rate? We answer these and other questions about interest rates in the following sections. Among other things, we will cover these topics:

  • Interest: definition and function.
  • Amount of the interest rate: What factors play a role here?
  • Interest rate comparison: Why is it worth comparing interest rates for personal 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 interest rates. If you would like to find out more about interest rates, you can find further information here.

Why are there different interest rates?

How favourable a loan is depends on the interest rate and this in turn depends on various factors. That's why it's worth comparing interest rates, because it saves you a lot of money. Here you can see which factors lead to different interest rates:

Relationship between supply and demand

For example, if many companies invest in research and development and take out loans for this purpose, the interest rate level rises. If the demand for loans falls, the interest rate also falls.

Creditworthiness and risk assessment

In addition to the factors mentioned above that influence the interest rate, banks and loan providers also check your own creditworthiness. If such a risk assessment is poor, the risk increases for the lender, which then has to be cushioned with a higher interest rate. So if you apply for a loan and your creditworthiness means an increased risk for the lender, you must expect a higher interest rate. But here too, it is worth comparing the various loan providers and loan interest rates in order to obtain the most favourable loan possible.

Loan type and intended use

It also matters what type of loan you apply for from a bank - earmarked, such as for a car or property, or unrestricted. With earmarked loans, you receive a lower interest rate compared to a free loan because the bank has collateral for it - such as the car or property. A free loan, on the other hand, means a higher default risk for the bank, which is why the interest rate can be correspondingly higher. However, it is also important to check the various offers here. This is because not all lenders handle earmarking in the same way and do not link the purpose of a loan to the interest rate.

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 mortgage as well. Credit. You could possibly start with a Loan repayment lower interest rates.

Further helpful information

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Frequently asked questions & answers
Borrowing criteria

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.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 comparing interest rates

Thanks to a Switzerland-wide interest rate comparison, you get the best interest rate with credXperts 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 room for manoeuvre 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.

Apply for a loan now and calculate the effective interest rate

With us, you can quickly get the low-cost loan you want!

Apply for a loan now