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The effective interest rate is between 3.50% and 9.80% and is dependent on your credit score and selected loan term. For a loan of CHF 10’000.- and 12 months the interest cost and fees range between CHF 190.60 and CHF 515.34. The total sum is thus between CHF 10’190.60 and CHF 10’515.34. The grant of a loan is prohibited if it leads to the over-indebtedness of the consumer (Art. 3 UWG).