Credaris review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Credaris is a Swiss credit broker for personal, car and debt consolidation loans, with effective annual rates of 4.4% to 9.95% and no arrangement fee charged to the borrower. It suits borrowers in Switzerland with proven income who can wait out the statutory withdrawal period before money lands.

Key facts

Best for
Swiss adults with payslips who want a broker to compare lenders for a personal or consolidation loan.
APR
4.4% to 9.95% (Source, checked September 26, 2026)
Loan amount
CHF 500 to CHF 80,000 (Source, checked September 26, 2026)
Term
6 to 120 months (Source, checked September 26, 2026)
Arrangement fee
0 CHF (credit brokerage is free of charge for the borrower by law) (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Paid to your account after contract signature and the 14-day statutory withdrawal period (loans outside the KKG are paid without waiting period) (Source, checked September 26, 2026)
Representative example
Privatkredit of CHF 25000 over 36 months at 4.7% to 9.95% effective annual rate: cost CHF 1813.15 to 3839.39, monthly rate CHF 744.81 to 801.09 (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Minimum age 18; Swiss citizens, Liechtenstein and C-permit holders generally without restrictions, other permits face limits; employment and income must be evidenced with payslips (Source, checked September 26, 2026)
Loan types
Personal, Car, Debt-consolidation (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Credaris AG (UID CHE-110.346.162) (Source, checked September 26, 2026)
Headquarters
Switzerland (Source, checked September 26, 2026)
Founded
2014 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Official website
credaris.ch

Apps and profiles

Elsewhere
provenexpert.comgoogle.com

Pros and cons

Pros

  • Effective annual rate of 4.4% to 9.95% on amounts of CHF 500 to CHF 80,000
  • Free early repayment, so clearing the loan early costs nothing extra
  • Covers personal, car and debt consolidation loans under one broker
  • Support runs on email, phone and help centre

Cons

  • Credit checks are hard: hard
  • Eligibility needs payslips as proof of employment and income
Credaris

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Scored 8.9 / 10 by BorrowCue.

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Who it suits

  • Adults in Switzerland with payslips to evidence income
  • Borrowers consolidating existing debts into one loan
  • Anyone wanting no arrangement fee from the brokerage side

Who should look elsewhere

  • People who need funds immediately, because payment follows the statutory withdrawal period after signature
  • Borrowers outside Switzerland, since the permit is a cantonal Zurich one
  • Applicants who cannot pass a hard credit check or supply payslips

Who runs it

Credaris is operated by Credaris AG (UID CHE-110.346.162), based in Switzerland, and trading since 2014. It works as a broker rather than a bank that lends its own money, so the rate offered comes from whichever lender matches an application. Questions are handled through email, phone and help centre, which covers email, phone and a help centre.

How Credaris compares

Where Credaris is available

Available
Switzerland
Licence in Switzerland
Kanton Zuerich (cantonal credit brokerage permit), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate does Credaris quote on a personal loan?+

The effective annual rate runs at 4.4% to 9.95%, and borrowing is arranged for amounts of CHF 500 to CHF 80,000 over terms of 6 to 120. The gap between the two ends of the range is wide, so the outcome depends on the lender your application is matched to.

Does Credaris charge an arrangement fee?+

No. The arrangement fee is free of charge for the borrower, since Swiss law requires credit brokerage to carry no cost for the person borrowing. The only cost of the loan is the interest you pay on the amount the lender advances.

How long does it take to get the money?+

Money reaches your account only after you have signed the credit agreement and the statutory cooling off window has run its course, so plan for a delay. Where a loan falls outside the KKG rules, there is no such wait before disbursement.

Is my credit checked?+

Yes. The check is a hard credit check, hard, which leaves a trace on your credit file. A soft search would not, so a thin credit history leaves fewer options here.

Who is eligible to apply?+

You need to be an adult, and Swiss citizens as well as Liechtenstein and C-permit holders generally apply without further restriction, while other permit holders face limits. Employment and income must be evidenced with payslips, so a formal job makes the process simpler.

Can I repay the loan early?+

Free early repayment is allowed, so settling the balance before the agreed end costs no extra fee. That makes it worth clearing the debt whenever your income allows, rather than paying interest to the end of the term.

What kinds of loan does Credaris arrange?+

The broker handles personal, car and debt consolidation loans, and home improvement is one of the stated uses of the funds. Terms on private loans run to 6 to 120, which is long enough to keep monthly payments lower on a larger amount.

Is Credaris regulated?+

It holds a cantonal credit brokerage permit from Kanton Zuerich, and the legal entity is Credaris AG (UID CHE-110.346.162) in Switzerland. The permit covers brokerage rather than lending its own money, so the funds come from the matched lender.

What does a representative loan look like?+

It shows a personal loan of an amount within CHF 500 to CHF 80,000 repaid over a term within 6 to 120, with total cost and monthly instalment both given as a low and a high case. The gap between those two cases reflects the spread between the two ends of the rate range.

How do I contact Credaris?+

Support runs on email, phone and help centre, so you can reach the team by email, phone or the help centre. A phone call is the quickest route if you want a clear answer on eligibility before applying.

Sources

  • credaris.ch/de checked September 26, 2026

    Backs: Founded, Support channels

    “Credaris AG, Stauffacherstrasse 16, CH-8004 Zuerich, T: +41 44 556 60 00, info@credaris.ch, Kundencenter”

  • credaris.ch/de/impressum checked September 26, 2026

    Backs: Headquarters, Legal entity, Lender type, Licences

    “Credaris AG, Stauffacherstrasse 16, 8004 Zuerich”

  • credaris.ch/de/kleinkredit checked September 26, 2026

    Backs: Eligibility

  • credaris.ch/de/konsumkredit checked September 26, 2026

    Backs: Credit check, Free early repayment, Funding time

  • credaris.ch/de/kredit checked September 26, 2026

    Backs: Loan amount, Loan types, Arrangement fee, Representative example

    “Kreditbetrag zwischen CHF 500 und 80'000 (Konsumkredit/Privatkredit)”

  • credaris.ch/de/privatkredit checked September 26, 2026

    Backs: APR, Term, Use cases

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Credaris

Credaris

Swiss adults with payslips who want a broker to compare lenders for a personal or consolidation loan.

8.9/10See alternatives

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