Enter an amount, a duration and a fixed rate: our personal loan calculator estimates monthly payments, total cost and interest according to the Swiss Consumer Credit Act (CCA). Ideal for comparing several scenarios before submitting a request to MultiCredit.
What is it for?
- Find a comfortable monthly payment
- Check your borrowing capacity
- Compare durations (6 to 84 months) and their total cost
- Prepare a solid application (no commitment, no employer contact)
How to use the calculator (3 steps)
- Desired amount (e.g., CHF 15,000)
- Duration (e.g., 36, 48, 60 months)
- Indicative fixed rate (e.g., 5.9% to 10.95%)
→ The calculator displays monthly payment, total interest and overall cost.
Tip: Test 2–3 different durations to visualise the trade-off between monthly affordability and total cost.
Quick examples (indicative)
- CHF 10,000 over 24 months at 7.9% → monthly payment approx. CHF 452, total interest approx. CHF 845
- CHF 20,000 over 48 months at 7.9% → monthly payment approx. CHF 488, total interest approx. CHF 3,430
- CHF 30,000 over 60 months at 6.9% → monthly payment approx. CHF 592, total interest approx. CHF 5,520
(Purely indicative values; the offer depends on your profile, partner policies and the ZEK/IKO rating.)
How to read your results
- Monthly payment: must remain comfortable after rent and expenses
- Total cost: longer durations accumulate more interest
- Rate: reflects the file’s risk level and stability
- Safety margins: keep a cash buffer for unexpected expenses
Why simulate with MultiCredit?
- Competitive fixed rates (approx. 5.9%–10.95%)
- Durations: 6 to 84 months — early repayment possible at any time
- Included death insurance (remaining balance covered)
- Fast, confidential assessment with no employer contact
- Advice to optimise duration and reduce total cost
Best practices before submitting your request
- Aim for a monthly payment ≤ 1/3 of your free disposable income
- Avoid splitting into micro-loans: one clear loan is better
- Choose the shortest duration compatible with your budget
- Use early repayments (13th salary, bonus) to save interest
FAQ — Personal Loan Calculator
Does the simulation equal approval?
No. It is an estimate. Approval depends on solvency, ZEK/IKO entries and the CCA.
Can I change the duration after simulation?
Yes, until the offer is issued. We adjust the duration to match your target monthly payment.
Is the displayed rate guaranteed?
No, it is indicative. The final rate depends on your profile and the lender’s risk policy.
Early repayment: are there fees?
With our partners, early repayment is possible; we aim for zero penalties when feasible.
Which documents speed up the review?
Two or three salary slips, recent bank statements, ID, residence permit if applicable, list of current loans.
From simulation to a clear offer
Send us your parameters (amount, duration, desired monthly payment). We perform a stress test and come back with a precise offer — fast, transparent and compliant with the CCA.
MultiCredit Sàrl — Your credit specialist since 1999
Rue de la Banque 4, CP 77 — 1701 Fribourg, Switzerland
Tel. 026 322 23 10 · Mobile 079 936 31 75
E-mail: info@multicredit.ch
Hours: Mon–Fri, 08:30–18:00
An article by Munur Aslan, Director of Multicredit.
