Loan without a bank – apply online
Why go to a bank when there's an easier way? Cashare is your direct route to a personal loan – 100% online, decision within 24h, no bank appointment and no paperwork.
Apply for a loan without visiting a bank branch
The traditional bank route takes time: make an appointment, travel there, submit documents, wait for weeks. Cashare does things differently. As Switzerland's first crowdlending platform (since 2008), Cashare enables a fully digital loan application – from home, in around 10 minutes. No counter, no form, no waiting.
This is how simple the process is
What you need
What you need
What you do NOT need
Cashare vs. traditional bank
| Traditional Bank | Cashare | |
|---|---|---|
| Application | Appointment needed, branch visit | Online in 10 minutes |
| Documents | Paper forms, hand in personally | Digital upload |
| Decision | 1–2 weeks | 24 hours |
| Disbursement | Another 1–2 weeks | After funding |
| Interest rate | 6–12% p.a. | 4.4–9.9% p.a. |
| Early repayment | Often penalty fee | Anytime, free of charge |
| Total duration | 3–4 weeks | A few days |
Frequently asked questions
Can I apply for a loan without a bank appointment?
Yes. At Cashare the entire process runs online – from application through credit check to disbursement. You do not need to visit a bank branch or make an appointment. The application takes around 10 minutes and can be submitted comfortably from home.
How quickly will I get the loan?
Cashare provides feedback on creditworthiness within 24 hours. The project is then funded (duration varies depending on amount and risk class). Disbursement takes place after full funding. Many borrowers have the money in their account within a few days.
What documents do I need?
As a rule you need: a valid Swiss ID or passport, the last 1–3 pay slips and possibly bank statements as proof of income. Everything is uploaded digitally. No postal service, no personal hand-in.
What happens if I am rejected?
If your application is rejected, you will receive a written explanation in accordance with Swiss KKG. A rejection does not permanently harm your creditworthiness. You can reapply after a waiting period (typically 3–6 months), possibly with an adjusted amount or term.
Are there hidden costs?
No. At Cashare all costs are transparent. The stated interest rate is the effective annual rate (EAR) in accordance with Swiss KKG. There are no processing fees for the application and no early repayment penalty. You only pay the agreed interest rate on the remaining loan balance.
Apply for a loan online now – in 10 minutes
CHF 1,000–500,000 at 4.4–9.9% p.a. Decision in 24h. 100% online. No bank branch. No hidden costs.