Compare Loans – Switzerland 2025
The wrong loan can be expensive. Comparing interest rates, terms and conditions saves you real money. Find the right loan for your situation.
Why loan comparison matters so much
In Switzerland there are numerous types of loans – from personal loans to leasing to mortgages. The differences in interest rates, terms and conditions are substantial. A borrower who pays 5% instead of 10% interest saves around CHF 1,600 in interest costs on CHF 20,000 over 36 months. Cashare offers personal loans from 4.4% p.a. – often significantly cheaper than a bank loan or credit card.
Loan comparison Switzerland 2025
| Feature | Cashare Personal Loan | Bank Loan | Credit Card | Leasing | Mortgage |
|---|---|---|---|---|---|
| Interest rate | 4.4–9.9% | 6–12% | 12–20% | 4–8% | 1.5–3% |
| Amount | CHF 1,000–500,000 | CHF 5,000–250,000 | up to CHF 30,000 | Vehicle value | from CHF 100,000 |
| Term | 12–84 months | 12–84 months | Revolving | 12–60 months | 2–30 years |
| Decision | 24h online | 1–2 weeks | Immediate | 1–3 days | 2–4 weeks |
| Collateral | None | None / guarantor | None | Vehicle | Property |
Which loan is right for me?
Cashare personal loan
Ideal for flexible expenses: renovation, car, education, debt consolidation. No restriction on use, 100% online, decision within 24h. Best suited for CHF 5,000–200,000.
Bank loan
Classic option with personal advice. Higher interest rates and longer processing time. Suitable if you already have a customer relationship with the bank.
Credit card
For short-term expenses up to max. CHF 30,000. High interest rates (12–20%), only sensible with immediate repayment within the payment period.
Leasing
Only for vehicles. The car belongs to the lessor during the term. No ownership rights, but ongoing mobility.
Mortgage
For property purchases from CHF 100,000. Lowest interest rate, but property required as collateral. Long terms, complex assessment.
Frequently asked questions about loan comparison
Which loan is cheapest?
The cheapest option depends on the purpose. For property, a mortgage is cheapest (1.5–3% p.a.). For personal loans, Cashare offers significantly better terms at 4.4–9.9% p.a. than bank loans (6–12%) or credit cards (12–20%). Important: always compare the effective annual rate (EAR), not just the nominal rate.
How do I compare loans correctly?
Always compare the effective annual rate (incl. all fees), the total costs over the term, flexibility of repayment (early repayment penalty?) and processing time. A loan with 8% interest but no fees can be cheaper than a loan with 6% interest and high additional costs.
What is the difference between effective rate and nominal rate?
The nominal rate is the base interest rate without fees. The effective annual rate (EAR) includes all costs: nominal rate, processing fees and compound interest calculation. The effective annual rate is legally required in Switzerland. At Cashare the stated interest rate corresponds to the effective rate – no hidden costs.
Can I repay my loan early?
At Cashare you can repay your personal loan in full at any time without an early repayment penalty. This is a significant advantage over many bank loans that charge a penalty fee. Check explicitly with any lender whether early repayment is possible and what costs are involved.
Apply for a personal loan directly with Cashare
No bank appointment, no paperwork. Apply online, decision in 24h, disbursement after funding. CHF 1,000–500,000, 4.4–9.9% p.a.