Personal loan
Personal financing to make your plans happen, at the fairest rate. We compare Swiss banks for you and support you until the funds are paid out.
At a glance
- 01
Fixed monthly payments
From the outset, you know the amount of each instalment and the date the loan ends.
- 02
Payment protection available
Cover for unemployment, illness or accident can be added to your loan.
- 03
Early repayment
You can repay all or part of your loan before it matures, with no penalty.
- 04
A simpler application
We tell you exactly which documents to provide and handle the exchanges with the bank.
A personal loan gives you a lump sum that you repay in fixed monthly instalments. You are free to use it as you wish: a major purchase, a family event, an unexpected expense or a personal project.
Rates vary considerably from one bank to another depending on your age, income, permit and credit history. Through ACF Services, your application is presented to the institutions most favourable to your profile.
Our approach
What we check for you
- Your borrowing capacity, under the standards of the Consumer Credit Act
- Offers from several Swiss banks, for the same profile
- The real effective annual rate, fees included
- Whether payment protection insurance makes sense
- Whether your existing loans could be consolidated
How much would your project cost?
Adjust the amount and the term to get a first estimate. We then compare offers from our partner banks for you.
Granting credit is prohibited if it leads to the consumer's over-indebtedness (art. 3 UCA).
Example: for a loan of CHF 10'000 over 12 months, at an effective annual rate of 9.95%, the total interest cost is CHF 523.31.
All loans are subject to review and approval of the application.
Estimated monthly payment
CHF 727.15/ month
- Indicative effective annual rate
- 7.9 %
- Total interest cost
- CHF 4'903.44
Indicative calculation only, not an offer. The final rate depends on your profile and on the bank's decision.
Frequently asked questions
Let's talk about your project.
A first conversation that is free, with no obligation, in your language.