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Loan Calculator Switzerland

Calculate your monthly payment, effective interest rate and total cost — instantly and without registration.

Loan amount
CHF
1'00050'0001'000'000
Duration
months
1 month60 months
Interest (credit-dependent):
Fees:
Monthly rate:
from 4.4%
300.00
CHF 871.29
of which insurance: 0.00
to 9.9%
300.00
CHF 918.08
of which insurance: 0.00
The actual values depend on your amount, the term and the interest rate of your loan. Once you have submitted your application, we can make you an individual offer. Example calculation: a personal loan of CHF 10,000 over 36 months at an effective annual rate of 5.9% results in interest costs of CHF 910.52 and fees of CHF 225.00 (total cost CHF 1,135.52).
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Legal note: Credit approval is prohibited if it leads to excessive debt (Art. 3 of the Swiss Federal Act against Unfair Competition – UWG).

Sample Calculations — Personal Loan

Reference values for different amounts and terms (effective rate based on Cashare Rating B). Total cost = interest plus fees, excluding the loan amount.

Loan AmountTermRate (Eff.)Monthly PaymentFeesTotal Cost
CHF 10,00036 months5.9%CHF 303CHF 225CHF 1,136
CHF 20,00048 months6.9%CHF 476CHF 600CHF 3,451
CHF 30,00060 months7.9%CHF 603CHF 1,125CHF 7,303
CHF 50,00060 months8.9%CHF 1,027CHF 1,875CHF 13,506

* Sample values. Your individual rate is determined after the credit check. Pursuant to Art. 9 KKG.

How to Use the Loan Calculator

1
Enter loan amount
Move the slider to your desired amount — CHF 1,000 to CHF 80,000 (unsecured) or up to CHF 500,000 with collateral for personal loans, up to CHF 1,000,000 for SMEs.
2
Choose term
12 to 60 months. Longer term = lower monthly payment, but higher total cost. The calculator shows both.
3
Adjust interest rate
Personal loans from 4.4%. Your actual rate depends on your creditworthiness (Cashare Rating A–C).
4
Read your result
See your monthly payment, effective rate and total amount instantly — no login, fully non-binding.
5
Apply directly
Happy with the result? Apply online in 10 minutes, decision within 24 hours.

Nominal vs. Effective Interest Rate

Nominal Rate

The agreed base rate without additional costs. Used for calculating individual instalments, but doesn't reflect the true total cost of the loan.

Effective Rate (the relevant figure)

Includes all costs — interest, fees, repayment structure. Swiss consumer credit law (KKG) requires the effective rate as the binding comparison figure. At Cashare, there are no hidden fees.

Frequently Asked Questions

How accurate is the loan calculator?
The calculator uses actual Cashare interest rates and calculates using the annuity method — equal monthly payments with decreasing interest and increasing principal portions. The calculation is exact when you enter your actual rate (after credit check).
Am I committing to anything by using the calculator?
No — the loan calculator is completely non-binding and free. No obligation is created. Only when you submit a loan application and sign the contract does a binding loan relationship arise.
Can I repay the loan early?
Yes, at any time and without penalty fees. You only pay interest for the time you actually use the loan. This sets Cashare apart from many banks that charge early repayment fees.
Is there a calculator for SME loans?
Yes — switch to the 'SME Loan' tab in the calculator above. SME loans go up to CHF 1,000,000 with terms up to 60 months and rates from 5.9%.

Happy with the rate? Apply now

10 minutes online — decision in 24 hours, disbursement within days.

Apply for personal loanApply for SME loan