Personal Loans: How to Compare Offers and Avoid Hidden Costs

The effective rate, fees and insurance add-ons that decide the true price.

4 min read · Loans & Credit

A low advertised rate can hide fees.

Compare effective rates

The effective annual rate includes fees and shows the true cost. Compare offers on this basis.

Effective annual rate – depending on Upfront fees

Example with default values. Open the calculator →

Extras

Payment protection insurance.
Processing fees.
Early repayment conditions.

Borrow carefully

Check the contract

You have a right of withdrawal within 14 days of receiving a copy of the contract. Read the terms on repayment, fees and what happens if you miss a payment.

Borrow only what you need. Calculate the effective rate with the effective loan rate calculator.

Try the calculators

💳 Loans & Credit

Effective Loan Rate (APR)

Find the true yearly cost of a loan including upfront fees.

💳 Loans & Credit

Loan Payment Calculator

Monthly instalment and total interest for an annuity loan.

💳 Loans & Credit

Consumer Credit Interest Cap Check

Check a Swiss consumer loan against the legal maximum rate of 10 % per year.

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Debt Collection in Switzerland (Betreibung): Process and Your Rights

What happens after an unpaid bill, how to object and how to avoid a record in the register.

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Credit Cards and Overdrafts in Switzerland: Costs and Smarter Alternatives

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