Comparis review

Personal loan rates on Comparis sit at an APR of 4.7% to 9.95%. Loans run from CHF 1,000 to CHF 250,000 over a term of 6 to 120. What you are offered depends on the lender and your profile, so treat the range as a starting point. Early repayment is free, so a shorter payoff is possible.

Comparis is a marketplace rather than a lender, so the loan comes from whichever bank you pick and the contract is with that bank. The site is run by comparis.ch AG in Switzerland and has been live since 1996. It handles personal, debt consolidation and car loans as well as mortgages.

The credit check here is hard, hard, so a request is recorded on your credit file. Because several lenders can be approached at once, it is worth putting your details forward once and comparing the offers that come back rather than repeating the process repeatedly.

Personal loans on Comparis run from CHF 1,000 to CHF 250,000 with terms of 6 to 120. The listed loan types are personal, debt consolidation and car, and home improvement is named as a use. A larger amount or a longer term is worth checking directly, since the range shown covers the listed offers.

Applicants need a minimum age, plus Swiss or Liechtenstein citizenship, or a C permit. A B permit is accepted only after a waiting period, while G and L permits are generally not accepted. The same Swiss residency rules shape both the personal loans and the mortgages listed.

The transfer lands on your bank account after the statutory withdrawal period, so the money is not available the same day you apply. Plan around that gap if you are paying a deposit or a contractor invoice. Loans run from CHF 1,000 to CHF 250,000 over 6 to 120, and early repayment is free once the loan starts.

The mortgage calculator works to a maximum loan to value of 80%, which is below the site median of 90%. Listed purposes are purchase, remortgage and buy-to-let, and the initial rate shown is 1.5% for a fixed period of 5. A larger deposit would be needed to stretch further.

Support runs on email, phone and help centre, so you can reach the team by phone, by email or through the help centre. Eligibility, documents and the status of a request can all be taken before you sign. The same channels cover the personal loan side and the mortgage comparison.