Complete Monthly Payment Simulator

CHF 10,000 – 400,000  ·  12 to 84 Months  ·  4.9% – 9.9% p.a.

MultiCredit — multicredit.ch — ★ 4.8/5 on Google (805 reviews)

How to Read the Simulation Tables

This document provides complete monthly installment simulations for personal loans in Switzerland (Privatkredit / crédit personnel). Three tables are provided — one for each interest rate scenario (4.9%, 6.9%, 9.9% p.a.) — covering 15 loan amounts from CHF 10,000 to CHF 400,000 and 7 repayment durations from 12 to 84 months.

Each cell shows two values: the monthly installment (including 0.20% insurance on the original loan capital) and the total amount repaid over the full loan term. Use these tables to quickly compare scenarios for your budget.

What Is Included in the Monthly Payment?

Monthly installment = Loan amortization + Interest on outstanding balance + Insurance premium (0.20% × original capital/month). The annuity method is used: each payment is constant, but the share of interest decreases and the share of repayment increases over time. The insurance covers death, disability, and involuntary unemployment.

Interest Rates: 4.9% to 9.9% per annum

Swiss consumer credit law (Bundesgesetz über den Konsumkredit, KKG) caps personal loan rates at a maximum of 9.9% p.a. The minimum rate available at MultiCredit is 4.9% p.a. Your rate depends on your income, employment stability, existing obligations, and credit history (ZEK/IKO).

Table 1: Interest Rate 4.9% p.a. — Best Rate

The lowest rate legally available in Switzerland (minimum under KKG/LCC). Applies to borrowers with very good creditworthiness, stable employment, and low debt ratio. Ideal for larger loan amounts with medium-to-long durations.

Loan Amount	12 Months	24 Months	36 Months	48 Months	60 Months	72 Months	84 Months
	Monthly / Total Repaid	Monthly / Total Repaid	Monthly / Total Repaid	Monthly / Total Repaid	Monthly / Total Repaid	Monthly / Total Repaid	Monthly / Total Repaid
CHF 10’000	CHF 876/mo Total: CHF 10’507	CHF 458/mo Total: CHF 10’999	CHF 319/mo Total: CHF 11’495	CHF 250/mo Total: CHF 11’990	CHF 208/mo Total: CHF 12’498	CHF 181/mo Total: CHF 13’003	CHF 161/mo Total: CHF 13’516
CHF 20’000	CHF 1’751/mo Total: CHF 21’014	CHF 917/mo Total: CHF 21’996	CHF 639/mo Total: CHF 22’986	CHF 500/mo Total: CHF 23’986	CHF 417/mo Total: CHF 24’990	CHF 361/mo Total: CHF 26’006	CHF 322/mo Total: CHF 27’023
CHF 30’000	CHF 2’627/mo Total: CHF 31’522	CHF 1’375/mo Total: CHF 32’995	CHF 958/mo Total: CHF 34’481	CHF 750/mo Total: CHF 35’976	CHF 625/mo Total: CHF 37’488	CHF 542/mo Total: CHF 39’010	CHF 483/mo Total: CHF 40’538
CHF 40’000	CHF 3’503/mo Total: CHF 42’030	CHF 1’833/mo Total: CHF 43’994	CHF 1’277/mo Total: CHF 45’972	CHF 999/mo Total: CHF 47’971	CHF 833/mo Total: CHF 49’980	CHF 722/mo Total: CHF 52’006	CHF 644/mo Total: CHF 54’054
CHF 50’000	CHF 4’378/mo Total: CHF 52’537	CHF 2’291/mo Total: CHF 54’991	CHF 1’596/mo Total: CHF 57’467	CHF 1’249/mo Total: CHF 59’962	CHF 1’041/mo Total: CHF 62’478	CHF 903/mo Total: CHF 65’009	CHF 804/mo Total: CHF 67’561
CHF 60’000	CHF 5’254/mo Total: CHF 63’044	CHF 2’750/mo Total: CHF 65’990	CHF 1’916/mo Total: CHF 68’962	CHF 1’499/mo Total: CHF 71’952	CHF 1’250/mo Total: CHF 74’970	CHF 1’084/mo Total: CHF 78’012	CHF 965/mo Total: CHF 81’077
CHF 70’000	CHF 6’129/mo Total: CHF 73’552	CHF 3’208/mo Total: CHF 76’990	CHF 2’235/mo Total: CHF 80’453	CHF 1’749/mo Total: CHF 83’947	CHF 1’458/mo Total: CHF 87’468	CHF 1’264/mo Total: CHF 91’015	CHF 1’126/mo Total: CHF 94’592
CHF 80’000	CHF 7’005/mo Total: CHF 84’059	CHF 3’666/mo Total: CHF 87’986	CHF 2’554/mo Total: CHF 91’948	CHF 1’999/mo Total: CHF 95’938	CHF 1’666/mo Total: CHF 99’960	CHF 1’445/mo Total: CHF 104’018	CHF 1’287/mo Total: CHF 108’108
CHF 90’000	CHF 7’881/mo Total: CHF 94’566	CHF 4’124/mo Total: CHF 98’986	CHF 2’873/mo Total: CHF 103’439	CHF 2’249/mo Total: CHF 107’933	CHF 1’874/mo Total: CHF 112’458	CHF 1’625/mo Total: CHF 117’022	CHF 1’448/mo Total: CHF 121’615
CHF 100’000	CHF 8’756/mo Total: CHF 105’074	CHF 4’583/mo Total: CHF 109’985	CHF 3’193/mo Total: CHF 114’934	CHF 2’498/mo Total: CHF 119’923	CHF 2’083/mo Total: CHF 124’950	CHF 1’806/mo Total: CHF 130’025	CHF 1’609/mo Total: CHF 135’131
CHF 150’000	CHF 13’134/mo Total: CHF 157’610	CHF 6’874/mo Total: CHF 164’976	CHF 4’789/mo Total: CHF 172’400	CHF 3’748/mo Total: CHF 179’885	CHF 3’124/mo Total: CHF 187’428	CHF 2’709/mo Total: CHF 195’034	CHF 2’413/mo Total: CHF 202’692
CHF 200’000	CHF 17’512/mo Total: CHF 210’148	CHF 9’165/mo Total: CHF 219’967	CHF 6’385/mo Total: CHF 229’867	CHF 4’997/mo Total: CHF 239’846	CHF 4’165/mo Total: CHF 249’906	CHF 3’612/mo Total: CHF 260’042	CHF 3’217/mo Total: CHF 270’262
CHF 250’000	CHF 21’890/mo Total: CHF 262’685	CHF 11’457/mo Total: CHF 274’961	CHF 7’982/mo Total: CHF 287’334	CHF 6’246/mo Total: CHF 299’808	CHF 5’206/mo Total: CHF 312’384	CHF 4’515/mo Total: CHF 325’051	CHF 4’022/mo Total: CHF 337’823
CHF 300’000	CHF 26’269/mo Total: CHF 315’222	CHF 13’748/mo Total: CHF 329’952	CHF 9’578/mo Total: CHF 344’801	CHF 7’495/mo Total: CHF 359’770	CHF 6’248/mo Total: CHF 374’856	CHF 5’418/mo Total: CHF 390’067	CHF 4’826/mo Total: CHF 405’392
CHF 400’000	CHF 35’025/mo Total: CHF 420’296	CHF 18’331/mo Total: CHF 439’934	CHF 12’770/mo Total: CHF 459’734	CHF 9’994/mo Total: CHF 479’693	CHF 8’330/mo Total: CHF 499’812	CHF 7’223/mo Total: CHF 520’085	CHF 6’435/mo Total: CHF 540’523

Table 2: Interest Rate 6.9% p.a. — Standard Rate

A competitive mid-range rate for standard Swiss borrower profiles. Most common for amounts between CHF 30,000 and CHF 150,000. Reflects a balanced risk assessment with verified income.

Loan Amount	12 Months	24 Months	36 Months	48 Months	60 Months	72 Months	84 Months
	Monthly / Total Repaid	Monthly / Total Repaid	Monthly / Total Repaid	Monthly / Total Repaid	Monthly / Total Repaid	Monthly / Total Repaid	Monthly / Total Repaid
CHF 10’000	CHF 885/mo Total: CHF 10’618	CHF 467/mo Total: CHF 11’215	CHF 328/mo Total: CHF 11’819	CHF 259/mo Total: CHF 12’432	CHF 218/mo Total: CHF 13’050	CHF 190/mo Total: CHF 13’680	CHF 170/mo Total: CHF 14’314
CHF 20’000	CHF 1’770/mo Total: CHF 21’235	CHF 935/mo Total: CHF 22’428	CHF 657/mo Total: CHF 23’638	CHF 518/mo Total: CHF 24’864	CHF 435/mo Total: CHF 26’106	CHF 380/mo Total: CHF 27’360	CHF 341/mo Total: CHF 28’636
CHF 30’000	CHF 2’654/mo Total: CHF 31’853	CHF 1’402/mo Total: CHF 33’643	CHF 985/mo Total: CHF 35’456	CHF 777/mo Total: CHF 37’296	CHF 653/mo Total: CHF 39’156	CHF 570/mo Total: CHF 41’040	CHF 511/mo Total: CHF 42’949
CHF 40’000	CHF 3’539/mo Total: CHF 42’470	CHF 1’869/mo Total: CHF 44’858	CHF 1’313/mo Total: CHF 47’279	CHF 1’036/mo Total: CHF 49’728	CHF 870/mo Total: CHF 52’212	CHF 760/mo Total: CHF 54’720	CHF 682/mo Total: CHF 57’271
CHF 50’000	CHF 4’424/mo Total: CHF 53’088	CHF 2’336/mo Total: CHF 56’074	CHF 1’642/mo Total: CHF 59’098	CHF 1’295/mo Total: CHF 62’160	CHF 1’088/mo Total: CHF 65’262	CHF 950/mo Total: CHF 68’407	CHF 852/mo Total: CHF 71’585
CHF 60’000	CHF 5’309/mo Total: CHF 63’706	CHF 2’804/mo Total: CHF 67’286	CHF 1’970/mo Total: CHF 70’916	CHF 1’554/mo Total: CHF 74’592	CHF 1’305/mo Total: CHF 78’312	CHF 1’140/mo Total: CHF 82’087	CHF 1’023/mo Total: CHF 85’898
CHF 70’000	CHF 6’194/mo Total: CHF 74’323	CHF 3’271/mo Total: CHF 78’502	CHF 2’298/mo Total: CHF 82’735	CHF 1’813/mo Total: CHF 87’024	CHF 1’523/mo Total: CHF 91’368	CHF 1’330/mo Total: CHF 95’767	CHF 1’193/mo Total: CHF 100’220
CHF 80’000	CHF 7’079/mo Total: CHF 84’942	CHF 3’738/mo Total: CHF 89’717	CHF 2’627/mo Total: CHF 94’554	CHF 2’072/mo Total: CHF 99’456	CHF 1’740/mo Total: CHF 104’418	CHF 1’520/mo Total: CHF 109’447	CHF 1’364/mo Total: CHF 114’534
CHF 90’000	CHF 7’963/mo Total: CHF 95’560	CHF 4’206/mo Total: CHF 100’932	CHF 2’955/mo Total: CHF 106’373	CHF 2’331/mo Total: CHF 111’888	CHF 1’958/mo Total: CHF 117’474	CHF 1’710/mo Total: CHF 123’127	CHF 1’534/mo Total: CHF 128’848
CHF 100’000	CHF 8’848/mo Total: CHF 106’177	CHF 4’673/mo Total: CHF 112’145	CHF 3’283/mo Total: CHF 118’192	CHF 2’590/mo Total: CHF 124’320	CHF 2’175/mo Total: CHF 130’524	CHF 1’900/mo Total: CHF 136’807	CHF 1’704/mo Total: CHF 143’170
CHF 150’000	CHF 13’272/mo Total: CHF 159’265	CHF 7’009/mo Total: CHF 168’218	CHF 4’925/mo Total: CHF 177’289	CHF 3’885/mo Total: CHF 186’480	CHF 3’263/mo Total: CHF 195’786	CHF 2’850/mo Total: CHF 205’214	CHF 2’557/mo Total: CHF 214’754
CHF 200’000	CHF 17’696/mo Total: CHF 212’353	CHF 9’346/mo Total: CHF 224’292	CHF 6’566/mo Total: CHF 236’387	CHF 5’180/mo Total: CHF 248’640	CHF 4’351/mo Total: CHF 261’048	CHF 3’800/mo Total: CHF 273’614	CHF 3’409/mo Total: CHF 286’339
CHF 250’000	CHF 22’120/mo Total: CHF 265’442	CHF 11’682/mo Total: CHF 280’363	CHF 8’208/mo Total: CHF 295’481	CHF 6’475/mo Total: CHF 310’800	CHF 5’439/mo Total: CHF 326’310	CHF 4’750/mo Total: CHF 342’022	CHF 4’261/mo Total: CHF 357’924
CHF 300’000	CHF 26’544/mo Total: CHF 318’530	CHF 14’018/mo Total: CHF 336’437	CHF 9’849/mo Total: CHF 354’578	CHF 7’770/mo Total: CHF 372’960	CHF 6’526/mo Total: CHF 391’572	CHF 5’700/mo Total: CHF 410’422	CHF 5’113/mo Total: CHF 429’509
CHF 400’000	CHF 35’392/mo Total: CHF 424’708	CHF 18’691/mo Total: CHF 448’582	CHF 13’133/mo Total: CHF 472’774	CHF 10’360/mo Total: CHF 497’280	CHF 8’702/mo Total: CHF 522’096	CHF 7’600/mo Total: CHF 547’229	CHF 6’818/mo Total: CHF 572’670

Table 3: Interest Rate 9.9% p.a. — Maximum Rate (legal cap)

The maximum legally permitted rate under Swiss consumer credit law (KKG Art. 14, as revised). This rate applies to higher-risk profiles or specific shorter-term loan configurations.

Loan Amount	12 Months	24 Months	36 Months	48 Months	60 Months	72 Months	84 Months
	Monthly / Total Repaid	Monthly / Total Repaid	Monthly / Total Repaid	Monthly / Total Repaid	Monthly / Total Repaid	Monthly / Total Repaid	Monthly / Total Repaid
CHF 10’000	CHF 899/mo Total: CHF 10’784	CHF 481/mo Total: CHF 11’544	CHF 342/mo Total: CHF 12’319	CHF 273/mo Total: CHF 13’109	CHF 232/mo Total: CHF 13’920	CHF 205/mo Total: CHF 14’746	CHF 186/mo Total: CHF 15’582
CHF 20’000	CHF 1’797/mo Total: CHF 21’569	CHF 962/mo Total: CHF 23’088	CHF 684/mo Total: CHF 24’638	CHF 546/mo Total: CHF 26’222	CHF 464/mo Total: CHF 27’840	CHF 410/mo Total: CHF 29’484	CHF 371/mo Total: CHF 31’164
CHF 30’000	CHF 2’696/mo Total: CHF 32’353	CHF 1’443/mo Total: CHF 34’632	CHF 1’027/mo Total: CHF 36’958	CHF 819/mo Total: CHF 39’331	CHF 696/mo Total: CHF 41’754	CHF 614/mo Total: CHF 44’230	CHF 557/mo Total: CHF 46’746
CHF 40’000	CHF 3’595/mo Total: CHF 43’138	CHF 1’924/mo Total: CHF 46’176	CHF 1’369/mo Total: CHF 49’277	CHF 1’093/mo Total: CHF 52’445	CHF 928/mo Total: CHF 55’674	CHF 819/mo Total: CHF 58’968	CHF 742/mo Total: CHF 62’328
CHF 50’000	CHF 4’494/mo Total: CHF 53’922	CHF 2’405/mo Total: CHF 57’718	CHF 1’711/mo Total: CHF 61’596	CHF 1’366/mo Total: CHF 65’554	CHF 1’160/mo Total: CHF 69’594	CHF 1’024/mo Total: CHF 73’714	CHF 928/mo Total: CHF 77’910
CHF 60’000	CHF 5’392/mo Total: CHF 64’706	CHF 2’886/mo Total: CHF 69’262	CHF 2’053/mo Total: CHF 73’915	CHF 1’639/mo Total: CHF 78’667	CHF 1’392/mo Total: CHF 83’514	CHF 1’229/mo Total: CHF 88’452	CHF 1’113/mo Total: CHF 93’492
CHF 70’000	CHF 6’291/mo Total: CHF 75’491	CHF 3’367/mo Total: CHF 80’806	CHF 2’395/mo Total: CHF 86’234	CHF 1’912/mo Total: CHF 91’776	CHF 1’624/mo Total: CHF 97’434	CHF 1’433/mo Total: CHF 103’198	CHF 1’299/mo Total: CHF 109’074
CHF 80’000	CHF 7’190/mo Total: CHF 86’275	CHF 3’848/mo Total: CHF 92’350	CHF 2’738/mo Total: CHF 98’554	CHF 2’185/mo Total: CHF 104’890	CHF 1’856/mo Total: CHF 111’348	CHF 1’638/mo Total: CHF 117’936	CHF 1’484/mo Total: CHF 124’656
CHF 90’000	CHF 8’088/mo Total: CHF 97’058	CHF 4’329/mo Total: CHF 103’894	CHF 3’080/mo Total: CHF 110’873	CHF 2’458/mo Total: CHF 117’998	CHF 2’088/mo Total: CHF 125’268	CHF 1’843/mo Total: CHF 132’682	CHF 1’670/mo Total: CHF 140’238
CHF 100’000	CHF 8’987/mo Total: CHF 107’843	CHF 4’810/mo Total: CHF 115’438	CHF 3’422/mo Total: CHF 123’192	CHF 2’732/mo Total: CHF 131’112	CHF 2’320/mo Total: CHF 139’188	CHF 2’048/mo Total: CHF 147’420	CHF 1’855/mo Total: CHF 155’820
CHF 150’000	CHF 13’480/mo Total: CHF 161’765	CHF 7’215/mo Total: CHF 173’155	CHF 5’133/mo Total: CHF 184’788	CHF 4’097/mo Total: CHF 196’666	CHF 3’480/mo Total: CHF 208’782	CHF 3’071/mo Total: CHF 221’134	CHF 2’782/mo Total: CHF 233’722
CHF 200’000	CHF 17’974/mo Total: CHF 215’687	CHF 9’620/mo Total: CHF 230’875	CHF 6’844/mo Total: CHF 246’388	CHF 5’463/mo Total: CHF 262’219	CHF 4’640/mo Total: CHF 278’376	CHF 4’095/mo Total: CHF 294’847	CHF 3’710/mo Total: CHF 311’632
CHF 250’000	CHF 22’467/mo Total: CHF 269’608	CHF 12’025/mo Total: CHF 288’593	CHF 8’555/mo Total: CHF 307’984	CHF 6’829/mo Total: CHF 327’773	CHF 5’800/mo Total: CHF 347’970	CHF 5’119/mo Total: CHF 368’561	CHF 4’637/mo Total: CHF 389’542
CHF 300’000	CHF 26’961/mo Total: CHF 323’530	CHF 14’430/mo Total: CHF 346’310	CHF 10’266/mo Total: CHF 369’580	CHF 8’194/mo Total: CHF 393’331	CHF 6’959/mo Total: CHF 417’564	CHF 6’143/mo Total: CHF 442’267	CHF 5’565/mo Total: CHF 467’452
CHF 400’000	CHF 35’948/mo Total: CHF 431’374	CHF 19’240/mo Total: CHF 461’748	CHF 13’688/mo Total: CHF 492’772	CHF 10’926/mo Total: CHF 524’438	CHF 9’279/mo Total: CHF 556’746	CHF 8’190/mo Total: CHF 589’694	CHF 7’420/mo Total: CHF 623’263

Personal Loans in Switzerland: Everything You Need to Know

Who Can Apply?

Swiss residents and cross-border workers (Grenzgänger) with permits B, C, or G, aged 18+, with verifiable income may apply. MultiCredit accepts applications in all Swiss cantons including Zurich, Geneva, Bern, Basel, Vaud, Lucerne, St. Gallen, Aargau, Valais, and Ticino.

How Quickly Is Money Available?

MultiCredit provides a credit decision in principle on the same day. Once documents are approved, funds are typically transferred to your account within 24 hours. The entire process can be completed online from any device.

What Is the Maximum Loan Amount in Switzerland?

MultiCredit offers personal loans from CHF 10,000 to CHF 400,000. The maximum amount granted depends on your net monthly income and existing obligations. As a general guideline, total monthly loan payments should not exceed 30–35% of net income.

Can I Repay Early?

Yes. Swiss law (KKG Art. 17) gives borrowers the right to early repayment at any time. The lender may charge a maximum indemnity of 1% of the prepaid amount (0.5% if the remaining term is under one year). This makes personal loans flexible even if your financial situation changes.

Common Uses for a Personal Loan in Switzerland

Vehicle purchase (car, motorcycle, camper), home renovation and furnishing, debt consolidation (replacing multiple high-rate credits with one lower-rate loan), education and professional training, travel and events, medical and dental expenses, emergency liquidity, and business startup costs.

How Does Loan Duration Affect Total Cost?

A longer loan duration reduces your monthly payment but increases total interest and insurance paid. Example at 4.9% p.a. for CHF 100,000: 12 months = CHF 8,756/mo, total CHF 105,074 (+5.1%). 84 months = CHF 1,609/mo, total CHF 135,131 (+35.1%). For the best balance, choose the shortest duration you can comfortably afford.

Why Choose MultiCredit?

MultiCredit is a Swiss specialist lender with over 805 verified Google reviews averaging 4.8/5. We offer transparent pricing, no hidden fees, digital processing, and bilingual advisory in French, German, and Italian. PrestaFlex Services GmbH, our parent company, holds a 4.7/5 Google rating across nearly 80 reviews.

Quick Reference: Most Popular Combinations at 4.9% p.a.

Monthly installment only (includes insurance). For total cost, multiply by number of months.

Loan Amount	12 mo	24 mo	36 mo	48 mo	60 mo	72 mo	84 mo
CHF 10’000	CHF 876/mo	CHF 458/mo	CHF 319/mo	CHF 250/mo	CHF 208/mo	CHF 181/mo	CHF 161/mo
CHF 20’000	CHF 1’751/mo	CHF 917/mo	CHF 639/mo	CHF 500/mo	CHF 417/mo	CHF 361/mo	CHF 322/mo
CHF 30’000	CHF 2’627/mo	CHF 1’375/mo	CHF 958/mo	CHF 750/mo	CHF 625/mo	CHF 542/mo	CHF 483/mo
CHF 50’000	CHF 4’378/mo	CHF 2’291/mo	CHF 1’596/mo	CHF 1’249/mo	CHF 1’041/mo	CHF 903/mo	CHF 804/mo
CHF 75’000	CHF 6’567/mo	CHF 3’437/mo	CHF 2’395/mo	CHF 1’874/mo	CHF 1’562/mo	CHF 1’354/mo	CHF 1’207/mo
CHF 100’000	CHF 8’756/mo	CHF 4’583/mo	CHF 3’193/mo	CHF 2’498/mo	CHF 2’083/mo	CHF 1’806/mo	CHF 1’609/mo
CHF 150’000	CHF 13’134/mo	CHF 6’874/mo	CHF 4’789/mo	CHF 3’748/mo	CHF 3’124/mo	CHF 2’709/mo	CHF 2’413/mo
CHF 200’000	CHF 17’512/mo	CHF 9’165/mo	CHF 6’385/mo	CHF 4’997/mo	CHF 4’165/mo	CHF 3’612/mo	CHF 3’217/mo
CHF 300’000	CHF 26’269/mo	CHF 13’748/mo	CHF 9’578/mo	CHF 7’495/mo	CHF 6’248/mo	CHF 5’418/mo	CHF 4’826/mo
CHF 400’000	CHF 35’025/mo	CHF 18’331/mo	CHF 12’770/mo	CHF 9’994/mo	CHF 8’330/mo	CHF 7’223/mo	CHF 6’435/mo

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Legal Disclaimer: All simulations are indicative and provided for informational purposes only. Lending is subject to creditworthiness assessment. Granting a loan is prohibited if it leads to over-indebtedness (KKG Art. 3). Rates: 4.9%–9.9% p.a. effective annual rate. Insurance: 0.20%/month of original capital. MultiCredit / PrestaFlex Services GmbH is subject to Swiss consumer credit legislation.