P2P Loan Switzerland
Peer-to-peer lending connects borrowers directly with investors – no bank branch, no detours. Cashare has been Switzerland's first P2P platform since 2008.
What is a P2P loan?
A P2P loan (peer-to-peer loan) is a personal loan financed not by a bank but directly by private individuals or institutional investors. An online platform handles credit checks, contract processing and collections. The result: borrowers get lower rates, investors benefit from attractive returns – without any bank margin.
Cashare: Swiss P2P pioneer since 2008
Cashare was founded in 2008 – before Lending Club even went public. As Switzerland's first crowdlending platform, Cashare established the concept of P2P lending in Switzerland. Today the platform counts over 68,000 registered users, has funded more than 4,862 projects and manages a requested loan volume of CHF 2.9 billion.
How does P2P lending work at Cashare?
P2P loan advantages over banks
For borrowers
For investors
Frequently asked questions about P2P loans
What is a P2P loan?
A P2P loan (peer-to-peer loan) is a loan granted not by a bank but directly by private individuals or institutional investors via an online platform. Cashare handles credit checks, contract processing and payment processing.
How safe is P2P lending?
Cashare is regulated under Swiss KKG (Consumer Credit Act) and SRO PolyReg. Borrowers are carefully vetted. For investors: as with any loan there is a default risk, which can be reduced by diversifying across many projects. Cashare provides an Auto-Invest service for this purpose.
What are the interest rates for P2P loans?
For personal loans at Cashare, interest rates range from 4.4% to 9.9% p.a. The individual rate is set based on creditworthiness. For SME loans, rates of 5.9%–14.9% p.a. apply. Investors achieve an average return of 5.9% per year.
Who can apply for a P2P loan?
Eligible applicants are residents in Switzerland, aged 18 or over, with a regular income and no outstanding debt enforcement proceedings. Swiss SMEs can also apply for business financing of up to CHF 5 million through Cashare.
What is the difference to crowdfunding?
In crowdfunding, supporters typically receive products or shares – no money back. In crowdlending (P2P lending), however, these are real loans: investors receive their capital back plus interest. P2P loans are therefore an investment, not a donation model.
Apply for a P2P loan or start investing
Benefit from Switzerland's largest and most experienced P2P marketplace – as a borrower with fair rates or as an investor with attractive returns.