kreditvergleich.ch review

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

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Our verdict

kreditvergleich.ch is a Swiss comparison marketplace for personal, debt consolidation, car, business and student loans alongside purchase mortgages, built for applicants with excellent credit and permanent employment. Rates run 3.9% to 9.9% and the origination fee on the loans is 0 CHF.

Key facts

Best for
Comparing personal loans and purchase mortgages in Switzerland without paying a fee.
APR
3.9% to 9.9% (Source, checked September 26, 2026)
Loan amount
CHF 1,000 to CHF 1,000,000 (Source, checked September 26, 2026)
Term
48 months (Source, checked September 26, 2026)
Arrangement fee
0 CHF (Source, checked September 26, 2026)
Credit check
Soft prequal (Source, checked September 26, 2026)
Funding time
about 14 days, minimum two-week statutory waiting period after conclusion (Source, checked September 26, 2026)
Representative example
50,000 CHF over 48 months: 1,128-1,242 CHF per month, 54,136-59,610 CHF total (PostFinance personal loan) (Source, checked September 26, 2026)
Lender type
Marketplace (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Max age 64 at end of contract, permanent and indefinite employment, Swiss or C/B permit holders, ID plus payslips of the last 3 months (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation, Car, Business, Student (Source, checked September 26, 2026)
Credit needed
Excellent (Source, checked September 26, 2026)
Legal entity
PR Fina Kredit Vergleich Schweiz (Source, checked September 26, 2026)
Headquarters
Switzerland (Source, checked September 26, 2026)
Founded
2017 (Source, checked September 26, 2026)
Support channels
Email, Phone (Source, checked September 26, 2026)
Official website
kreditvergleich.ch

Mortgages

Fixed period
2 to 25 years (Source, checked September 26, 2026)
Maximum loan to value
80% (Source, checked September 26, 2026)
Product fee
CHF 0 (Source, checked September 26, 2026)
Purpose
Purchase (Source, checked September 26, 2026)
Lender type
Marketplace (Source, checked September 26, 2026)
Legal entity
PR Fina Kredit Vergleich Schweiz (Source, checked September 26, 2026)
Headquarters
Switzerland (Source, checked September 26, 2026)
Founded
2017 (Source, checked September 26, 2026)
Support channels
Email, Phone (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
Wikidatafacebook.com

Pros and cons

Pros

  • Origination fees on the loans are 0 CHF and the fee percentage is 0%.
  • Rates run 3.9% to 9.9% on the personal loans listed, below the 12.25% median across personal loan brands.
  • The credit check is soft prequal, and early repayment is free.
  • Purchase mortgages come with fixed periods of 2 to 25 and a product fee of CHF 0.

Cons

  • Applicants need excellent credit, so anyone with a thinner file sees fewer offers.
  • Funding takes around a fortnight, with a minimum two-week statutory waiting period after the contract is concluded, so the money arrives on a set timetable.
  • Support runs on email and phone only, so contact runs through those two routes.
kreditvergleich.ch

Ready to try kreditvergleich.ch?

Scored 8.9 / 10 by BorrowCue.

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Who it suits

  • Swiss residents with permanent employment comparing personal, car, business or student borrowing in a single place.
  • Borrowers weighing a larger sum, with amounts running CHF 1,000 to CHF 1,000,000.
  • Applicants who want an indicative rate before sending documents to a lender.

Who should look elsewhere

  • Monzo Flex, whose rates run 10% to 23%, sits in another market, so it is the pick there rather than here.
  • Cashspace, at PHP 12 to PHP 36, serves applicants outside Switzerland and is worth a look only for those offers.

How it compares on our data

On maximum loan amount, kreditvergleich.ch ranks 282 of 685 brands. On term it ranks 103 of 232. A mid-table place on amount and a stronger one on term suggests the fit is judged more by the length of the loan than by the amount you need.

The company behind it

kreditvergleich.ch is operated by PR Fina Kredit Vergleich Schweiz, based in Switzerland and running since 2017. Everything compared is Swiss, so the loans and mortgages on the site are priced for the local market rather than borrowed from abroad. Support runs on email and phone.

How kreditvergleich.ch compares

Where kreditvergleich.ch is available

Available
Switzerland

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

Frequently asked questions

What does it cost to use kreditvergleich.ch?+

Nothing to use. The origination fee on the personal loans is 0 CHF and the fee percentage is 0%, and the mortgage comparison carries a product fee of CHF 0. What a lender charges on the loan itself is a separate matter.

What rates and amounts do the listed lenders offer?+

Amounts run CHF 1,000 to CHF 1,000,000 and rates run 3.9% to 9.9%, with a term of 48 months in the example shown. That is a wide span for a single Swiss comparison, and each lender sets its own terms within it.

What credit check is used?+

The check is soft prequal, so an indicative quote is gentler on the file than a full application. The bar for offers is excellent credit, a demanding standard for anyone with a mixed credit history.

Who can apply?+

Applicants need permanent and indefinite employment, a Swiss or C/B permit, an ID and recent payslips, and excellent credit. A maximum age applies at the end of the contract, and the employment rule points away from freelancers with irregular income.

Can I repay a loan early?+

Yes, early repayment is free, so clearing part or all of the balance before the end of the 48 month term costs nothing extra. Worth weighing against a cheaper bank facility before you sign.

Does it compare mortgages as well as loans?+

Yes, for purchase: purchase is the stated purpose, with a maximum loan to value of 80% and fixed periods of 2 to 25. A product fee of CHF 0 applies to that comparison.

Who actually lends the money?+

The site runs as a marketplace, so an application goes to a lender on the list rather than to the comparison site itself. The operator behind it is PR Fina Kredit Vergleich Schweiz, based in Switzerland.

Sources

  • kreditvergleich.ch checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Credit needed, Eligibility, Free early repayment, Lender type, Loan types, Arrangement fee, Representative example, Term

    “Loan amount 1,000 CHF - 1,000,000 CHF (Cashare personal loan)”

  • kreditvergleich.ch/festhypothek checked September 26, 2026

    Backs: Fixed period

  • kreditvergleich.ch/hypothek checked September 26, 2026

    Backs: Maximum loan to value, Purpose

  • kreditvergleich.ch/hypothekenvergleich checked September 26, 2026

    Backs: Product fee

  • kreditvergleich.ch/impressum checked September 26, 2026

    Backs: Headquarters, Legal entity, Support channels

    “Kreditvergleich.ch - PR Fina Kredit Vergleich Schweiz, commercial register number CH-300-1018928-3, VAT CHE-296.111.736”

  • kreditvergleich.ch/privatkredit checked September 26, 2026

    Backs: Funding time

    “In Switzerland disbursement is subject to a waiting period of at least two weeks; loans are usually transferred after about 14 days”

  • kreditvergleich.ch/rechtliche_hinweise checked September 26, 2026

    Backs: Origination fee (%)

    “Our offer is free of charge and non-binding”

  • kreditvergleich.ch/ueber_uns checked September 26, 2026

    Backs: Founded

    “The operator and founder of the Kreditvergleich.ch platform is Joachim Koelmel; CEO of Kreditvergleich.ch since 2017”

Compiled from 8 source pages, checked September 26, 2026. We did not open an account.

kreditvergleich.ch

kreditvergleich.ch

Comparing personal loans and purchase mortgages in Switzerland without paying a fee.

8.9/10See alternatives

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