{"id":31767,"date":"2026-08-13T07:58:38","date_gmt":"2026-08-13T07:58:38","guid":{"rendered":"https:\/\/multicredit.ch\/?p=31767"},"modified":"2026-08-13T08:47:51","modified_gmt":"2026-08-13T08:47:51","slug":"personal-loan-switzerland","status":"publish","type":"post","link":"https:\/\/multicredit.ch\/en\/personal-loan-switzerland\/","title":{"rendered":"Personal Loan Switzerland"},"content":{"rendered":"\n

Complete Monthly Payment Simulator<\/h1>\n\n\n\n

CHF 10,000 \u2013 400,000\u00a0 \u00b7\u00a0 12 to 84 Months\u00a0 \u00b7\u00a0 4.9% \u2013 9.9% p.a.<\/h5>\n\n\n\n

MultiCredit \u2014 multicredit.ch \u2014 \u2605 4.8\/5 on Google (805 reviews)<\/strong><\/p>\n\n\n\n

How to Read the Simulation Tables<\/h2>\n\n\n\n

This document provides complete monthly installment simulations for personal loans in Switzerland (Privatkredit \/ cr\u00e9dit personnel). Three tables are provided \u2014 one for each interest rate scenario (4.9%, 6.9%, 9.9% p.a.) \u2014 covering 15 loan amounts from CHF 10,000 to CHF 400,000 and 7 repayment durations from 12 to 84 months.<\/p>\n\n\n\n

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.<\/p>\n\n\n\n

What Is Included in the Monthly Payment?<\/h2>\n\n\n\n

Monthly installment = Loan amortization + Interest on outstanding balance + Insurance premium (0.20% \u00d7 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.<\/p>\n\n\n\n

Interest Rates: 4.9% to 9.9% per annum<\/h2>\n\n\n\n

Swiss consumer credit law (Bundesgesetz \u00fcber 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).<\/p>\n\n\n\n

Table 1: Interest Rate 4.9% p.a. \u2014 Best Rate<\/h2>\n\n\n\n

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.<\/p>\n\n\n\n

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

Table 2: Interest Rate 6.9% p.a. \u2014 Standard Rate<\/h2>\n\n\n\n

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.<\/p>\n\n\n\n

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

Table 3: Interest Rate 9.9% p.a. \u2014 Maximum Rate (legal cap)<\/h2>\n\n\n\n

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.<\/p>\n\n\n\n

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

Personal Loans in Switzerland: Everything You Need to Know<\/h2>\n\n\n\n

Who Can Apply?<\/h3>\n\n\n\n

Swiss residents and cross-border workers (Grenzg\u00e4nger) 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.<\/p>\n\n\n\n

How Quickly Is Money Available?<\/h3>\n\n\n\n

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.<\/p>\n\n\n\n

What Is the Maximum Loan Amount in Switzerland?<\/h3>\n\n\n\n

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\u201335% of net income.<\/p>\n\n\n\n

Can I Repay Early?<\/h3>\n\n\n\n

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.<\/p>\n\n\n\n

Common Uses for a Personal Loan in Switzerland<\/h3>\n\n\n\n

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.<\/p>\n\n\n\n

How Does Loan Duration Affect Total Cost?<\/h3>\n\n\n\n

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.<\/p>\n\n\n\n

Why Choose MultiCredit?<\/h3>\n\n\n\n

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.<\/p>\n\n\n\n

Quick Reference: Most Popular Combinations at 4.9% p.a.<\/h2>\n\n\n\n

Monthly installment only (includes insurance). For total cost, multiply by number of months.<\/p>\n\n\n\n

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

Instant Decision\u00a0 \u00b7\u00a0 Funds Within 24h\u00a0 \u00b7\u00a0 \u2605 4.8\/5 on Google (805 reviews)<\/strong><\/p>\n\n\n\n

<\/div>\n\n\n\n

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%\u20139.9% p.a. effective annual rate. Insurance: 0.20%\/month of original capital. MultiCredit \/ PrestaFlex Services GmbH is subject to Swiss consumer credit legislation.<\/p>\n","protected":false},"excerpt":{"rendered":"

Complete Monthly Payment Simulator CHF 10,000 \u2013 400,000\u00a0 \u00b7\u00a0 12 to 84 Months\u00a0 \u00b7\u00a0 4.9% \u2013 9.9% p.a. MultiCredit \u2014 multicredit.ch \u2014 \u2605 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 \/ cr\u00e9dit personnel). Three tables are provided \u2014 […]<\/p>\n","protected":false},"author":24,"featured_media":31769,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[1400],"tags":[],"class_list":["post-31767","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-loan"],"acf":[],"_links":{"self":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/31767","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/users\/24"}],"replies":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/comments?post=31767"}],"version-history":[{"count":10,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/31767\/revisions"}],"predecessor-version":[{"id":31788,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/31767\/revisions\/31788"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/media\/31769"}],"wp:attachment":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/media?parent=31767"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/categories?post=31767"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/tags?post=31767"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}