Kleinkredit in der Schweiz -
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Monatliche Rate
from 5.8%
up to 9.95%
Calculate a small loan now free of charge
Enter your desired loan together with the loan term in our loan calculator for small loans. You will then immediately find out how high your monthly loan instalment will be.
Take out a small loan in four steps
1.
Calculate your
small 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
interest rates.
4.
You will receive
your suitable
small loan.
Take out a small loan and
benefit from these advantages
Personal advice on all matters relating to small loans
Whether you want to take out a small loan, repay your credit card or clean up your credit rating - our credXperts will advise you on all aspects of your small loan. This also applies to the most important criteria when granting a small loan.
Different banks, different interest rates - we compare!
As credit experts we compare the interest rates of different credit providers in Switzerland to find the best offer for your loan.
Fewer loan application rejections
We check your online application for a small loan in detail to optimise your creditworthiness. This will help you avoid rejections from ZEK and increase your chances of being granted or approved a loan. We are happy to support you in clearing your credit rating with the various credit agencies.
We handle your small loan from A to Z
As soon as you have your small loan with us Calculate and apply onlinewe take care of all the tasks until your small loan is approved - from the search for favourable interest rates from an enquiry with the right bank to the disbursement of the desired loan. We are also your first point of contact for your concerns after the loan has been paid out.
What requirements must be met for a loan to be approved?
With a Request for a small loan is carried out in advance Budget calculation. The bank analyses your monthly income and expenditure. The difference between your income and expenditure determines which loan amount and term are suitable for you.
Would you like to calculate further loans?
Click below on one of our Online loan calculator and select the loan calculator for your preferred loan.
This is how we proceed with your
online loan enquiry
Are you looking for a small loan and don't know which Swiss bank has the best interest rates? Then credXperts is the right place for you. We will show you all the important criteria for personal loans and help you apply for one from the right bank.
The granting of consumer credit is subject to the Swiss Consumer Credit Act (KKG): All credit providers must comply with these provisions. The KKG serves to protect all borrowers and prevents the risk of possible over-indebtedness.
Take out a loan:
What else might interest you
As reputable and independent credit brokers, we know the Swiss credit market very well. That's why we offer you valuable additional knowledge on frequently asked questions - such as Clean up credit rating, on the topic Interest on loans or to the Credit comparison in Switzerland.
Together with our experience, you will find a favourable loan at an attractive interest rate that fits perfectly into your calculated credit limit. Your financing is in good hands with us: Because we rely on comprehensive credit counselling that meets your needs. To do this, we compare the credit offers from various credit providers in Switzerland to find the right loan for you.
For more detailed information on loans, please also read the following information.
Credit comparison Switzerland
A favourable Taking out a loan in Switzerland? With our knowledge and loan comparison you will find exactly the loan you want. And that for Loans up to a loan amount of CHF 250,000, from a loan interest rate of 4.4 % and with a term of up to 120 months.
Fewer loan application rejections (credit rating adjustment)
As soon as we receive your loan application online, we will check it immediately. When checking your application, we also look at whether and how your creditworthiness can be improved (= correction of ZEK entries). This increases the chances of your loan application being approved quickly and avoids a rejection. Otherwise, you can still apply for loans without a credit check.
Taking out a loan: The most frequently asked questions and answers
How does a loan cancellation work? What do I need to know about ZEK/CRIF entries? And how high are the interest rates on loans in Switzerland? We have summarised these and other questions for you in our FAQ section.
Small loans in Switzerland: What you should know about them
Would you like to take out a favourable small loan? With credXperts, it's easy to do it online: Enter your desired loan and term in the loan calculator and start the loan comparison. Thanks to a large number of Swiss loan providers, we will find the best loan offer for you. Start your credit application now.
Taking out a small loan in Switzerland is not always easy with the large online offer. Some providers talk about mini or microloans. Others talk about express, urgent or immediate loans. Others use terms such as personal or consumer loans in their credit offer. Depending on what you want to take out a small loan for, it is worth taking a closer look at the loan providers, but also informing yourself. On this page you will therefore find everything you need to know about small loans in Switzerland.
Who grants small loans in Switzerland?
Almost all banks and credit brokers in Switzerland grant small loans. The only exceptions are house banks, which no longer grant loans. They have completely outsourced their lending business to the credit banks. Small loans are often used to bridge a financial bottleneck, to finance small purchases or to pay off credit card debts. Find out more about repaying a loan early here.
Mini loans, cash loans, microloans, small loans, personal loans, consumer loans: what is what?
All of these terms refer to loans of a small amount. All of these terms are used when a consumer loan within the meaning of the Consumer Credit Act (KKG) is meant. Some credit providers refer to small loans as mini or micro loans, while others call them cash loans, personal loans or consumer loans. How such a small loan is ultimately made up
depends on the loan provider in each country. In Switzerland, cash loans range from a few hundred to a few thousand francs. The terms of these small loans are generally rather short. However, there are credit providers who also grant small loans for higher loan amounts and longer terms. The KKG also stipulates that a waiting period of 14 days applies to loans between CHF 500 and CHF 80,000. If someone needs the money immediately, a loan of over CHF 80,000 must be applied for.
What are the advantages of a small loan?
The Consumer Credit Act (KKG) does not apply to small loans of less than CHF 500. You can often obtain such loans without a ZEK query - whether you are a private individual or a small business. However, the loan interest rates are also significantly higher because the lenders are not bound by the KKG. Such microloans - also known as kiosk loans - are also paid out faster than usual, i.e. within 14 days. This is an advantage if the loan term is only a few months. The biggest advantage of a microloan is its flexibility:
- You are flexible in your choice of loan amount and term. And from a term of three months, you can repay your small loan without any additional fees.
- Your small loan is also not earmarked for a specific purpose: You can use it for
repaying a loan, bridging liquidity shortages or when a necessary investment is imminent. - You can also repay and top up a small loan or combine several current small loans into a new personal loan.
