MultiCredit review

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

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Our verdict

MultiCredit suits Swiss-based employees and registered self-employed borrowers who want a fee-free fixed-rate loan with free early repayment. Annual rates run 4.9% to 10% and amounts reach CHF 3,000 to CHF 400,000, with 14 days (legal deadline) to payout once a lender agrees.

Key facts

Best for
Swiss residents wanting a fixed-rate personal loan with no application or product fees.
APR
4.9% to 10% (Source, checked September 26, 2026)
Loan amount
CHF 3,000 to CHF 400,000 (Source, checked September 26, 2026)
Term
6 to 84 months (Source, checked September 26, 2026)
Arrangement fee
CHF 0 (no application fees) (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
14 days (legal deadline) (Source, checked September 26, 2026)
Representative example
Financing of CHF 10,000 over 12 months at an effective annual rate of 4.9%-10%, total interest about CHF 270-550, no fees (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
18+, working in Switzerland on an indefinite or long-term contract, Swiss national or B/C/G permit or legitimation card, no pending lawsuits; self-employed registered 2 years, B permit holders 12 months in Switzerland (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation, Car, Student, Business (Source, checked September 26, 2026)
Credit needed
Good (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Cashflex MultiCredit GmbH (Source, checked September 26, 2026)
Headquarters
Switzerland (Source, checked September 26, 2026)
Founded
1999 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
multicredit.ch

Mortgages

Initial rate
4.9% (Source, checked September 26, 2026)
APRC
4.9% (Source, checked September 26, 2026)
Fixed period
1 to 7 years (Source, checked September 26, 2026)
Product fee
CHF 0 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Legal entity
Cashflex MultiCredit GmbH (Source, checked September 26, 2026)
Headquarters
Switzerland (Source, checked September 26, 2026)
Founded
1999 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
LinkedInyoutube.com

Pros and cons

Pros

  • Annual rates of 4.9% to 10% sit well below the personal loan median of 12.25%
  • No application fees, at CHF 0 (no application fees)
  • Free early repayment means you can settle the loan ahead of schedule without a charge
  • Fixed-rate lending across personal, debt consolidation and car

Cons

  • A hard credit check, so applications leave a visible mark on the credit file
  • Funding takes 14 days (legal deadline) rather than a same-day payout
  • A broker rather than a direct lender, so offers depend on partner underwriting
MultiCredit

Ready to try MultiCredit?

Scored 9.1 / 10 by BorrowCue.

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Who it suits

  • Swiss employees on an indefinite or long-term contract
  • Registered self-employed applicants
  • Borrowers consolidating existing debts

Who should look elsewhere

  • Borrowers needing a same-day payout
  • Anyone unable to pass a hard credit check
  • Buyers wanting a fixed-rate mortgage, since purchase and remortgage covers purchase and remortgage only

Who runs it

MultiCredit is operated by Cashflex MultiCredit GmbH and is based in Switzerland. It has been arranging credit since 1999 and works as a broker rather than a lender itself. Applicants are reached on email, phone and help centre, so help is available by email, phone and a help centre once you have a file with them.

How MultiCredit compares

Where MultiCredit is available

Available
Switzerland
Licence in Switzerland
Canton of Zug (cantonal authorisation for consumer credit brokerage), checked September 26, 2026

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

Frequently asked questions

How much can I borrow from MultiCredit?+

Borrowing runs CHF 3,000 to CHF 400,000 for personal loans, which covers larger purchases as well as smaller ones. Terms last 6 to 84, and every loan is arranged on a fixed rate, so the monthly cost stays level for the whole period.

What does a MultiCredit loan cost?+

There is no charge for the application, at CHF 0 (no application fees), and the product fee is also CHF 0. Your cost is the interest on the balance, and the effective annual rate sits at 4.9% to 10% depending on your profile.

How fast is the money?+

Plan for 14 days (legal deadline), which is the legal deadline for disbursement once a lender has agreed your application. If you need cash the same day, this timeline will not suit you.

What credit check does MultiCredit run?+

It runs a hard credit check, and good is the level of credit history lenders typically want. A hard search is recorded on your file, so apply only when you are ready to be assessed.

Can I repay a MultiCredit loan early?+

Yes. Free early repayment is available, so settling the balance ahead of the agreed term carries no penalty. That makes a fixed rate more useful if your income is likely to rise or your plans may change.

Who can apply?+

Applicants must be adults working in Switzerland on an indefinite or long-term contract, and hold Swiss nationality, a B, C or G permit, or a legitimation card. Self-employed applicants need a registration period, and B permit holders need a minimum stay in Switzerland.

Is MultiCredit regulated?+

MultiCredit holds a cantonal authorisation for consumer credit brokerage from the Canton of Zug, and is a broker rather than the lender. The rate you are offered therefore comes from a partner lender and depends on their assessment.

What kinds of loan does MultiCredit arrange?+

It covers personal, debt consolidation and car, including personal loans, debt consolidation, car, student and business lending, plus home improvement projects. It also covers purchase and remortgage for property, with an initial rate of 4.9%.

How do I get help?+

Support runs on email, phone and help centre: email, phone and a help centre. Contact is generally arranged once you apply, so expect to have your file reference to hand when you call.

Sources

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

MultiCredit

MultiCredit

Swiss residents wanting a fixed-rate personal loan with no application or product fees.

9.1/10See alternatives

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