Re­fin­an­cing loan

Pri­or­itz­ing your bal­ances

Desired Credit Amount
Duration in Months
Interest Charges fromCHF toCHF 
Monthly Rate fromCHF 1'474toCHF 1'900
Nominal Interest from4.10%to5.30%
Replace your loan and safe money

The minimum repayment period is 12 month and maximum repayment period is 84 month. The effective annual interest including fees and death insurance "CG24 Safe" is minimum 4.8% and maximum 9.9% and is calculated on the basis of your personal financial situation by CreditGate24 (Schweiz) AG. Example for a private loan of CHF 30’000 with a term of 24 months: Effective annual rate is 5.875% (rating AA, incl. fees and insurance), CG24 fee (one-time): CHF 504 (This amount is deducted once from the amount of the loan requested), monthly rate: CHF 1’303 (Amortization, interest rate costs and insurance), total interest rate costs: CHF 1’194, total insurance fee: CHF 91, total costs (credit amount including interest rate costs and insurance fee): CHF 31'286. The grant of a loan is forbidden if it leads to over-indebtedness (Art. 3, Federal Unfair Competition Act).

Did you know that you can repay your loan without additional costs? *

* This ap­plies to all loans covered by the Con­sumer Cred­it Act (KKG). Fur­ther in­form­a­tion on the cur­rent KKG can be found here: Fed­er­al Law on Con­sumer Cred­it (KKG)

 why early loan ex­change could be­ne­fit

Take ad­vant­age of the op­por­tun­ity to re­deem your loan pre­ma­turely and at no ex­tra cost. With a loan res­ol­u­tion, you can min­im­ize your monthly charge and save a lot of money thanks to the lower in­terest rate. Stay flex­ible in your fu­ture plan­ning.

The fol­low­ing ex­ample will help you un­der­stand how much you can save money if you can re­duce your in­terest rate. You have a cur­rent per­son­al loan with a re­main­ing cred­it amount of CHF 60,000. Your cur­rent in­terest rate is 9.6 per­cent and the re­main­ing term of the loan is still 48 months. Your monthly rate is cur­rently CHF 1'460. You have re­ceived an of­fer from a new lender with an ef­fect­ive in­terest rate of 6.2 per­cent (in­terest in­clud­ing all fees). In­stead of the CHF 1'460 you would only pay CHF 1'370 monthly with the new of­fer with the same term. You save over CHF 4'100 over the en­tire term of 4 years.

key fig­urescur­rent con­di­tionsearly loan ex­change
re­main­ing loan amountCHF 30'000CHF 30'000
reamain­ing term48 month48 month
in­terest rate9.7%6.2%
monthly rateCHF 1'460CHF 1'370
monthly sav­ingsCHF 90
total sav­ings> CHF 4'100

A pre­ma­ture loan res­ol­u­tion would already be worth­while in this case. Even in the event that you would pay fees for the fin­an­cial state­ment, you be­ne­fit from a pre­ma­ture loan debt.

Main cri­ter­ia for ob­tain­ing a loan

  • Age of 18-65 years
  • At least a B res­id­en­ce per­mit for 12 months (if you do not have a Swiss or Liecht­en­stein ID)
  • Un­in­ter­rup­ted em­ploy­ment in Switzer­land or Liecht­en­stein and not dur­ing the pro­ba­tion­ary peri­od
  • Min­im­um in­come CHF 3'500
  • Do you have a paid debt col­lec­tion ser­vice or a blocked cred­it card? We may still be able to of­fer you fin­an­cing (if there are sig­ni­fic­ant entries in the cred­it­wor­thi­ness data­bases, fin­an­cing is not pos­sible).

Your rat­ing:

* The APR in­cludes the nom­in­al in­terest rate, the life in­sur­ance and the ser­vice fee.

If you use our on­line plat­form, you be­ne­fit from low nom­in­al in­terest rates from 2.94% p.a. * (cor­res­ponds to an ef­fect­ive in­terest rate of 5.13%), a simple loan ap­plic­a­tion and a quick loan de­cision. With our on­line ap­plic­a­tion, you de­cide for your­self when you want to ap­ply for your per­son­al loan.

Apply now

Financing the easy way

Register online and apply for your personal loan directly from home.

Based on your documents, we will create your personal loan offer.

With your signature, we will put your loan project online.

Our investors will finance your loan and we will transfer the loan to you after a maximum of 14 days (compliance with the KKG).

Prerequisite for early loan termination

Ac­cord­ing to the Swiss Con­sumer Cred­it Law (Kon­sumkred­it­ge­setz - KKG), the ter­min­a­tion of a con­sumer cred­it in Switzer­land is free of charge. Loans un­der the KKG (loans up to CHF 80'000) can be ter­min­ated at any time, without re­pay­ing the out­stand­ing in­stall­ments or pay­ing in­terest. If you want to re­place your cur­rent loan or sev­er­al loans pre­ma­turely, the new lender needs a fi­nal set­tle­ment from the cur­rent vendors.

The fi­nal bal­ance sheet con­tains the out­stand­ing amount of the cur­rent loans. It should be noted that some cred­it in­sti­tu­tions may charge fees for the pre­par­a­tion of the fi­nal set­tle­ment. If the cur­rent loan un­der the KKG is the fi­nal in­voice free of charge.

Pro­cure­ment of the fi­nal in­voice can only be re­ques­ted by the bor­row­er. Make sure that the fi­nal state­ment has been com­piled cor­rectly and the out­stand­ing amount has been de­term­ined ex­actly. With the fi­nal in­voice, the new lender can then de­term­ine a new loan of­fer for you.

We recommend that you cancel the old loan agreement only after you have received the written approval from the new creditor.

SAVE MONEY AND TIME with CreditGate24

Apply for your loan directly online, regardless of opening hours.

Benefit from low interest rates and a simple process.

We are your professional partner for future financing needs.

More than 9'000 customers trust CreditGate24.

Transparent fees

Registration and account opening: free of charge

Loan request: free

CreditGate24 fee: 0.6-0.8% p.a.*

Insurance fee of Generali: already included in the monthly rate **

* Cus­tom­ers will be charged a one-time up­front fee for your loan de­pend­ing on the term and cred­it amount. Min­im­um fee for amort­iz­a­tion loans: CHF 100. 

** In all grades, the re­sid­ual debt (up to CHF 100,000) is in­sured by Gen­er­ali in the event of death and is not trans­ferred to the heir.

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