Credit rate

In Switzerland, the credit rate varies a lot from one contract to another. If this loan rate depends on the bank who lends the money, it also depends on the personal situation of the borrower.

What is a good credit rate?

In fact, in Switzerland, there is no "good credit rate". The loan rates really depends on the situation of the borrower. For one person, a good rate would be 12.9%, while this rate wouldn't be as good for another people. Generally, an average rate is around 11.9 %.

It depends on your situation

When you apply for a loan, the credit rate will be mainly determined by your loan situation. Elements favoring an advantageous interest rate are:

• A stable financial situation with a high income: you will generally get a lower interest rate if working in the UNO or other company for a long time.
• Sufficient budget: every bank studying a loan request will also calculate a scoring according to your budget: income and expanses.
• If you are married: although children can burden your budget, being married is a stability proof.
• If you are older than 30 years: sometimes, banks are reluctant to lend money to youg workers.

Getting the best credit rate

In order to benefit from the best loan rate, the best you can do is ask to a specialized agency. At CreditLoan, with over ten years of experience, we can provide you with the following services:

• A free analysis of your financial situation and budget
• A free loan offer for any amount from 3,000 to 250,000 Chf over a repayement period of 12 to 72 months
• Receive a non binding quote within 24 to 48h

Apply now

Are you interested to get a loan in Switzerland with the best rate possible? Apply now: our team will contact you in the shortest time with an offer: