Duration: 6-120 months; Max. annual interest rate includes total interest expenses 4.5% - 9.95% Calculation example: Loan of CHF 10'000.-. An effective annual interest rate between 4.5% and 9.95% results in total interest expenses between CHF 240.20 and CHF 523.40 for a duration of 12 months. Lending is prohibited if it leads to over-indebtedness. (Art. 3 UWG) The interest rate depends on the creditworthiness