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Loan comparison Switzerland – where can I find the cheapest personal loan?
A personal loan can help you realise your dreams, bridge financial gaps or implement projects more quickly. In Switzerland, loan offers can vary greatly – both in terms of interest rates and contract terms. The comprehensive loan comparison for Switzerland in this article shows the current conditions at a glance.
To this end, we have compiled the most important information from the leading lenders.
Credit comparison Switzerland for personal loans
For a comprehensive comparison of consumer loans, we have specified the same conditions for all banks and lenders:
Loan amount: CHF 40'000
Term: 36 Monate
Insurance: no – but option checked and costs shown separately (where possible)
| LEND | Cembra | BANK-now | Migros Bank | eny Finance | bob Finance | |
|---|---|---|---|---|---|---|
| Lowest interest rate | 4.3% | 5.95% | 6.9% | 4.9% | 5.9% | 4.7% |
| Highest interest rate | 9.99% | 9.95% | 9.9% | 7.9% | 10.95% | 9.9% |
| Cheapest monthly instalment (rounded, in CHF) | 1'163 | 1'213 | 1'229 | 1'195 | 1'212 | 1'191 |
| Option to insure loan instalments? | ja | ja | ja | ja | ja | ja |
| Cost of loan insurance (in CHF) | 45 | 100.35 | 66.25 | Costs not shown | 90.90 | 71.3 |
As of: 20.02.2026
If you plan your loan wisely, you can save money – and that's where LEND comes in. As a Swiss crowdlending platform, LEND connects borrowers directly with investors. By cutting out expensive banks, you get lower interest rates, fair terms and flexible repayment options.
Tip: With our loan calculator, you can immediately see how the interest rate, term and monthly instalments affect the total cost. This makes it quick and easy to find the personal loan that really suits you.
