Adjust or optimise your loan – attractive rates and expert guidance. Free and non-binding.

Your benefits when submitting a loan enquiry via Credaris

Free and non-binding
No risk and transparent communication
Many years of experience and the broadest loan offering in Switzerland

Whether you already have a personal loan or simply want to review your options with no obligation, we assess the lender market and show you what a refinancing, adjustment, or increase could look like for your circumstances – and of course how to proceed if you plan to take out a new personal loan.

You remain in control at all times.

Our loan offers

Credaris collaborates with all relevant Swiss loan banks and loan institutes. This means, we can offer our clients access to the largest portfolio of loans in Switzerland.

Your loan in three steps

Free of charge and without obligation

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1. Non-Binding Request

Complete our form, and our loan specialists will review your circumstances free of charge and without obligation.

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2. Receive and review loan offer

We submit your loan request to a Swiss lender only with your consent. We’ll discuss the offer with you – the decision remains entirely yours.

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3. Sign the contract and receive your loan

Upon signing, the 14-day withdrawal period starts. Once it has elapsed, your loan will be transferred to your bank account.

▶ Non-binding enquiry

How the loan process works

1. Check your options with a non-binding enquiry

We review your situation and complete or update your profile, including all required documents.
Based on your current income and expenses, we calculate your available borrowing capacity in line with the Federal Law on Consumer Credit (FLCC).
Any existing loans are included in this calculation.
In a call, we walk you through your available options.

2. Submit your application

With your agreement, we request an offer from the most suitable lender.
At this stage, the lender carries out its creditworthiness check and reviews the ZEK and IKO databases.
If you are refinancing or increasing an existing loan, the new offer includes the outstanding amount from your current contract, the additional amount requested, and the updated conditions for the full sum.

3. Disbursement and amortisation

If refinancing, the existing loan is settled and transferred into the new agreement.
The amount of the new loan is then paid into your account.

3 bln. loan volume brokered

>80% approval rate

120 employees at 6 locations

What our customers say

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4.60/5

516 Google reviews

4.87/5

1903 Provenexpert reviews

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Your loan with Credaris

Credaris has been specializing in the Swiss private loan market since 2014. Benefit from our experience: we check your starting position individually and personally in order to find the right solution for you.
We speak to you honestly and on an equal footing.
We do everything we can to make the process as easy and smooth as possible for you.
Non-binding and free of charge: loan brokering services must be free of charge for the borrower in Switzerland by law. Whether you lead the process up to the contract and disbursement is up to you at every step.
We favour quality. In this way, we achieve high approval rates and avoid unnecessary rejections.
Due to this excellent quality and large volumes, your loan through Credaris will generally not be more expensive than with a direct application.

Loan illustration

Loan amount of CHF 25'000. Effective annual interest rate of 1) 4.9% to 2) 9.95%. Over 36 months, this generates interest or costs of 1) CHF 1'890.36 to 2) CHF 3'839.39 and a monthly instalment of 1) CHF 746.95 to 2) CHF 801.09.

Swiss Lenders offer terms from 6 to 120 months.