A Personal Loan as Individual as You
Get financing in just a few steps. Realize your plans quickly and easily with Cashare.
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Flexible and secure personal loans for your individual needs
Fast, transparent and fair Financial solutions for every situation
Refinancing
Consolidate high-interest debts from crédit cards and consumer loans at better rates.
Education Loan
Finance your further education and invest in your career.
Renovation
Finance kitchens, living spaces, and home renovations.
Car Loan
Flexible terms for purchasing a new or used vehicle.
Consumer Loan
Finance special occasions like weddings and honeymoons.
Health Loan
Finance dental treatments and medical procedures.
How It Works
Complete Application
Fill out the application online and upload the required documents.
Quick Review
Once approved, your loan is posted to the platform for investor funding.
Loan Disbursement
Funds are transferred directly to your account after contract signing.
What requirements do you need to meet for a loan application?
Why Cashare?
Cashare was founded in 2008 as Switzerland's first crowdlending platform. With thousands of customers and a high processing volume, we have earned lasting trust.
Transparency
Clear, fair processes without hidden fees or surprises.
Efficiency
Alternative banking solution with attractive rates and quick processing.
Any Questions?
Here are some questions and answers. We are happy to assist you with further information.
Who is Cashare?
Cashare was founded in 2008 as Switzerland's first crowdlending platform. We connect borrowers directly with investors, enabling fair conditions for both sides. With over 68,000 customers and CHF 2.9 billion in requested loan volume, we are the leading provider in Switzerland.
How does crowdlending work?
With crowdlending, loans are not financed by a bank, but by many private and institutional investors. Borrowers receive fair interest rates, while investors achieve attractive returns. Cashare carefully reviews all loan applications and provides the platform for secure processing.
How can I apply for a loan?
The loan application is simple and fully digital. Fill out the online form, upload the required documents and receive a decision within a short time. If approved, your loan will be released for financing on the platform.
What types of loans can I apply for?
Cashare offers various types of loans: personal loans for private purchases, SME loans for businesses, and mortgage loans. Loan amounts range from CHF 1,000 to CHF 1,000,000 with flexible terms.
How can I invest as an investor?
After free registration, you can invest directly in individual loan projects. Choose projects according to your criteria such as return, risk and duration. You can diversify your portfolio from as little as CHF 100 per project.
What returns can I expect as an investor?
Returns vary depending on the risk class of the loans. On average, our investors achieve returns between 2% and 8% p.a. The higher the risk, the higher the potential return. Broad diversification helps to minimize risk.
What happens if my loan application is rejected?
If your application is rejected, we will notify you by email and explain the main reasons. Common causes are insufficient income, outstanding debt collection proceedings or a negative ZEK entry. You can reapply once your financial situation has improved — typically after 3–6 months.
How does Cashare assess my creditworthiness?
Cashare assesses your creditworthiness based on several factors: income and expenses, ZEK entry (Central Office for Credit Information), debt collection register, employment status and existing financial obligations. The result is your personal Cashare Rating from A (low risk) to C (medium risk). Only ratings A–C are approved on the platform.
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Start your application now - fast, simple, and transparent.
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