Refinancing a loan in Switzerland:
Save on interest – it’s easy
with credXperts

Our loan experts compare the interest rates of various Swiss loan providers and get the best offer for your loan.

The comprehensive preliminary review of your credit application enables you to improve your credit rating and avoid rejections at ZEK. We will be happy to assist you in clearing and deleting negative entries in the various credit agencies.

As soon as you have received your Apply for a Swiss loan onlinewe take care of all related tasks: These include interest and Credit comparisonscommunication with the loan providers and the uncomplicated disbursement of your loan. In addition, we accompany you aWe remain your first point of contact even after the money has been paid out.

The decision to repay an existing loan can be the key to a healthier financial future. In Switzerland, we offer you the opportunity to reorganise your finances through debt restructuring and benefit from lower interest rates or better conditions.

Choosing the right provider plays a crucial role in optimising your finances. At credXperts, we compare a variety of lenders for you to ensure that you get the best offer for the repayment of your loan. Whether it's questions about instalments, costs or the terms and conditions - we are here to help you with our expertise.

A loan repayment in Switzerland goes beyond simply saving money. It offers you the opportunity to reduce your monthly instalments, adjust the term of your loan and thus minimise your financial burden. With the support of credXperts, you can find a new loan that meets your current needs and gives you financial freedom.

When it’s worth switching, how the process works under the KKG, and a specific calculation example: you’ll find it all on our website Loan refinancing in Switzerland.

Repaying a personal loan can be the first step towards gaining more financial flexibility and finding a better way of dealing with your debts. At credXperts, we help you to keep track of offers from different providers and find the right lender for you. By replacing your existing loans with a new loan with better conditions, you open up new opportunities to shape your financial future.

Check existing loan: Understand the details of your current loan, including the costs and the remaining instalment.

Obtain comparative offers: Use credXperts to compare offers from different providers and find the best one for your needs.

Repay a loan: With our support, you can organise the loan repayment process in an efficient and uncomplicated manner.

A new credit check is also carried out when a loan is redeemed. This also applies if car loans are redeemed early. The check protects banks from possible payment defaults and borrowers from potential over-indebtedness.

Detailed credit advice in advance is therefore extremely useful: the credit experts at credXperts know which bank will offer you the best interest rate based on your credit rating and which criteria must be met for a loan to be granted.

In short: nothing. The Consumer Credit Act (KKG, Art. 17) guarantees every borrower in Switzerland the right to repay their loan early at any time – without any early repayment penalty or fees. You only pay interest up to the date of repayment; any interest already calculated in advance for the remaining term is waived. The new bank transfers the repayment amount directly to the old bank, after which you will only receive one more monthly instalment.

The only possible additional charges are: residual debt insurance that you took out with your old loan (which will be refunded on a pro rata basis), and interest for the few days between the repayment and the first instalment on the new loan. Neither of these amounts to much compared with the interest saved.

Annuity calculation, rounded; effective annual interest rate based on credit rating. You can calculate your personalised repayment amount and savings in just 1 minute using the Redemption calculator.

The calculation applies to any outstanding debt: the key factors are the difference in interest rates and the remaining term. For a loan of CHF 50,000 over 48 months, the savings double to over CHF 4,000. We explain step by step on the page whether switching is also worthwhile for your loan and how the process works under the Consumer Credit Act (KKG). Loan refinancing in Switzerland.

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How much does it cost to pay off a loan in Switzerland?

Nothing. Under Article 17 of the Consumer Credit Act (KKG), Swiss banks are not permitted to charge an early repayment penalty in the event of early repayment. You only pay the interest up to the date of repayment. The new bank transfers the repayment amount directly to the previous bank.

When is it worth paying off a loan?

Provided the new interest rate is lower than the old one and the remaining term is still at least 12 months. With a remaining debt of CHF 25,000 over 36 months, switching from 9.9 % to 5.9 % saves around CHF 1,660 in interest. The higher the remaining debt and the longer the remaining term, the greater the saving.

When I pay off the loan, can I increase the loan amount at the same time?

Yes. The new bank will take over the remaining debt and pay you the additional amount – all under a single contract with a single monthly instalment. This is subject to your ability to meet the repayments under the KKG also applying to the higher amount.

How long does it take to transfer a mortgage?

Usually 2 to 3 weeks: the bank will reply within 24 hours, followed by the statutory 14-day cooling-off period, after which the new bank will transfer the transfer fee. You don’t have to worry about a thing – credXperts coordinates both banks.

What documents do I need for the redemption?

Your current loan agreement or the most recent statement showing the outstanding balance, your last three payslips, a copy of your identity document or residence permit and – for tenants – your tenancy agreement. The bank will obtain a debt collection report itself.

Is your credit rating checked again when you refinance a loan?

Yes. Legally speaking, every refinancing is a new loan, which is why the new bank assesses your creditworthiness and checks your credit history with the ZEK. An existing loan that has been repaid on time is seen as a positive sign – many customers are offered a better interest rate when refinancing than they were on their original loan.