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.
In four steps
Take out a small loan
1.
Calculate your
Small loan and
leave your
Specifications.
2.
We get in touch with
you in contact
and clarify the
most important questions.
3.
We find
the bank with
the best
Interest.
4.
You will receive
Your suitable
Small loan.
What is a small loan?
A Small loans in Switzerland A small personal loan is a loan for a small amount – usually between CHF 1,000 and CHF 20,000 – with a short term of 12 to 48 months. The amount is paid into your account; you are free to use it as you wish and repay it in fixed monthly instalments. Legally, a small loan is a consumer credit under the Consumer Credit Act (KKG): the same creditworthiness assessment, the same maximum interest rate and the same cooling-off period apply as for larger loans.
How much does a small loan cost? Sample calculations
| Amount | Runtime | Interest | Monthly instalment | Total interest expense |
|---|---|---|---|---|
| CHF 3,000 | 12 months | 6.9 % | approx. CHF 259 | approx. CHF 110 |
| CHF 5,000 | 24 months | 6.9 % | approx. CHF 224 | approx. CHF 370 |
| CHF 10'000 | 36 months | 6.9 % | approx. CHF 308 | approx. CHF 1,100 |
| CHF 15,000 | 48 months | 6.9 % | approx. CHF 359 | approx. CHF 2,210 |
Since 1 January 2026, the statutory maximum interest rate for cash loans has been 10 %. Particularly for small amounts, some banks charge interest rates close to this limit – so it’s worth comparing offers here too. You can calculate your instalment using the Credit calculator.
A small loan or a credit card?
People who pay off small amounts in instalments using a credit card often end up paying considerably more: overdrafts and credit cards are subject to a higher maximum interest rate than cash loans, and there is no fixed term. A small loan has a fixed instalment and a clear end date. Find out more at Paying off credit card debt.
Requirements for a small loan
- Resident in Switzerland, aged between 18 and 65
- Permanent employment and a regular net income of around CHF 3,000 or more
- No outstanding debt enforcement proceedings or certificates of loss
- Swiss passport, a C permit, a B permit held for at least 24 months, or a G permit held for at least 36 months with the same employer
Enquire now with no obligation – in 10 minutes
Short answers to frequently asked questions
What is the minimum amount for a small loan?
Many banks offer loans ranging from CHF 1,000 to 5,000. Through credXperts, small loans from CHF 5,000 are available.
Is a small loan recorded with the ZEK?
Yes, just like any other consumer loan. Instalments paid on time do not have a negative impact.
Can I increase the amount of a small loan at a later date?
Yes. Find out more at Increase small loan.
Can I repay a small loan early?
Yes, at any time. You only pay the interest up to the date of repayment.
Take out a small loan and
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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 various 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 calculate and apply for your small loan online with us, we take care of all the tasks until your small loan is approved - from searching for favourable interest rates to making an enquiry with the right bank and paying out 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?
When applying for a small loan, a budget calculation is carried out in advance. The bank calculates your monthly income and expenditure. The difference between your income and expenditure determines which loan amount and term are suitable for you.
This is how we approach your
Online credit enquiry before
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 small loan:
What else might interest you
As an independent and Reputable 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 how to clean up your credit rating, loan interest rates or how to compare loans 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
Taking out a favourable loan in Switzerland? With our knowledge and loan comparison, you can find exactly the loan you want. And for loans up to 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: everything you need to know
Nowadays, it is easier than ever to apply for a favourable small loan in Switzerland online. At credXperts, we offer you an uncomplicated way to enter your loan request and the desired term in our loan calculator to start the best loan comparison. Thanks to our collaboration with leading Swiss loan providers, such as Bob Finance, we guarantee that you will receive the best loan offer that suits your conditions. Don't hesitate and start your Credit applicationto benefit from our customised solutions.
Taking out a small loan in Switzerland can be a challenge due to the extensive online offering. There are also terms such as personal or consumer loans, which broaden the spectrum. Depending on the intended use, be it to finance a car, for further education or to bridge financial bottlenecks, it is important to find out about the various offers. Our platform therefore offers you all the relevant information you need to take out the right small loan.
Who grants small loans in Switzerland?
Who grants small loans in Switzerland? Virtually all banks and credit brokers, with the exception of those where lending is prohibited or which have outsourced their lending business to specialised credit banks. Small loans are ideal for overcoming financial bottlenecks. to bridgeto finance smaller purchases or pay off existing credit card debts. It is also important to know that the statutory cancellation period expires and that it is possible to cancel a Repay loan early.
Mini loans, cash loans, microloans, small loans, personal loans, consumer loans: what is what?
Mini loans, cash loans, microloans or consumer loans - the terminology is varied, but ultimately all these terms refer to small loans that fall under the Consumer Credit Act (KKG). The loan amount, conditions and terms vary depending on the provider. In Switzerland, cash loans range from a few hundred to a few thousand francs, and the terms are usually short. Please note that a waiting period of 14 days applies for loans between CHF 500 and CHF 80,000, unless a higher loan amount is requested online and an urgent transfer is required.
What are the advantages of a small loan?
The advantages of a small loan are obvious: loans of less than CHF 500 are not subject to the KKG, which enables quick and flexible solutions, albeit with higher interest rates. The flexibility in the choice of loan amount and term, the ability to repay the loan at any time without additional fees and the fact that it is not earmarked for a specific purpose are decisive advantages. Whether you need to pay off existing loans, bridge financial bottlenecks or make necessary investments - a small loan offers solutions. Personal Loan Comparison in Switzerland.
Finally, it is important to emphasise that responsible borrowing is essential to avoid over-indebtedness. Getting comprehensive advice and reviewing your financial situation, as well as considering your email address for direct contact, are essential steps in the process. At credXperts, we are on hand to ensure you find the right financing solution for you. Discover your options now and apply for your small loan in Switzerland easily online.
How much does a small loan of CHF 10,000 cost in Switzerland?
With an interest rate of 6.9 % and a term of 36 months, you’ll pay around CHF 308 per month, totalling approximately CHF 1,100 in interest. Over 24 months, the total cost falls to around CHF 740, with monthly repayments of approximately CHF 447. Under the Consumer Credit Act (KKG), you may repay the loan early at any time – in which case you will only be charged interest up to the date of repayment. Homeowners are eligible for rates from 5.8 %.
How quickly is a small loan paid out?
Once all the necessary documents have been submitted, you will usually receive a response from the bank within 24 hours. By law, consumer loans are subject to a 14-day cooling-off period, after which the amount is paid out – usually on the next banking day. If you already have a loan, you can often refinance it at a lower cost instead of taking out a second small loan top up; you can submit the application directly via Apply for a loan.
Contact us
Advice in French and Italian
credXperts provides advice throughout Switzerland, including in French and Italian – for French-speaking Switzerland, Ticino and cross-border commuters from France and Italy.
Other types of loans and guides from credXperts
- Personal loan Switzerland – Compare higher amounts up to CHF 250,000
- Credit comparison Switzerland – five banks with an enquiry
- Take out a loan – Requirements and procedure
- Apply for a loan – online, reply within 24 hours
- Car loan Switzerland
- Credit with B authorisation
- Credit calculator Switzerland – Calculate monthly instalment
- Redeem loan – refinance an existing loan on more favourable terms