Monthly Rate (CHF)
effective interest per year
effective interest per year
In just 3 steps to your desired loan
Fill out the online loan application and submit it.
Your loan request will be processed within 24 hours. Your personal finance specialist will contact you.
Your loan amount will be paid after the legal statutory period of seven days to your bank account. On request it's possible to make the payment in cash. Just let us know.
Realise your plans now!
Your loan - the essentials in a brief
Requirements for a loan:
- You have a regular monthly income.
- You are between 18 and 65 years old.
- You are resident in Switzerland and have swiss citizienship or residence permit B/C/G/D.
- You have no dept enforcements, ongoing confiscations or loss certifications?
If you meet these basic requirements you can apply now for your desired loan.
With a loan from budgetcredit you have an independent funding partner at your side. Budgetcredit knows the Swiss credit market and can make you the best deal for your budget. Whether car loan, construction loan, or personal loan, we offer the right loan for you. Benefit from our years of experience in the loan business.
We know how to check your creditworthiness in advance and to optimize your budget. This allows you to avoid unnecessary ZEK rejections. ZEK rejections can sometimes result in decreasing your creditworthiness and therefore the chance of getting a loan. If you are not sure that you fulfill the requirement above contact us, so we can support you.
Loans with rates insurance
Create a secure future!
Loans can be a financial burden in changing unpredictable circumstances.
The insurance rates in the event of death is always included. With the selectable rate insurance you can have additional insurance against unforeseen workloss and disability or involuntary unemployment. With a small monthly fee, which you calculate with our loan calculator, you secure your financial situation even in difficult situations.
The conclusion of an insurance rate is possible for car loan, construction loan, personal loans and small loans.With insurance PLUS not only your monthly rates will be payed for but you will additionally be paid each month the amount of CHF 500.- on your private account.
Our customer support will give you more informations under the free hotline 0800 55 55 00 (Mon-Friday 08.00 to 18:00).
Loan in Switzerland
A loan in Switzerland is called consumer credit in accordance to the Swiss Consumer Credit Act (KKG Federal Law on Consumer Credit, SR 221.214.1) with a fixed duration, consistent APR and monthly installements. Accordingly, a bank (lender) grants a private individual (consumer) a loan for private use. The maximum annually interest in Switzerland is 9.95%, the annually interest in market move from 4.5% to 9.95%.
Each loan request has to be reported to the Central Office for loan information (ZEK). That means that each granted or rejected loan request has to be reported. These entries affect your creditworthiness an have impact on getting a loan.
Therefore it is important to be consulted by our finance specialists so you can avoid bad ZEK entries. With our loan calculator you can simply calculate your monthly rates based on the amount and duration.
- Laufzeit: 6-120 Monate; Max. jährlicher Zinssatz inkl. aller Kreditkosten 4.5% - 9.95%
- Berechnungsbeispiel: Kredit über CHF 10'000.–. Ein effektiver Jahreszins zwischen 4.5% und 9.95% ergibt bei einer Laufzeit von 12 Monaten Gesamtzinskosten zwischen CHF 240.20 und CHF 523.40.
- Die Kreditvergabe ist verboten, falls sie zur Überschuldung führt. (Art. 3 UWG)