💳 Loans & Credit
Loans, leasing, credit cards, debt payoff and refinancing.
Calculators (10)
Loan Payment Calculator
Monthly instalment and total interest for an annuity loan.
💳 Loans & CreditConsumer Credit Interest Cap Check
Check a Swiss consumer loan against the legal maximum rate of 10 % per year.
💳 Loans & CreditCar Leasing Calculator
Estimate the monthly lease payment from price, residual value and interest.
💳 Loans & CreditCredit Card Payoff Calculator
How long does it take to clear your card balance?
💳 Loans & CreditDebt Snowball vs. Avalanche
Compare two strategies for repaying three debts with a fixed monthly budget.
💳 Loans & CreditEffective Loan Rate (APR)
Find the true yearly cost of a loan including upfront fees.
💳 Loans & CreditEarly Repayment Savings
Interest saved by making a lump-sum repayment and keeping the same instalment.
💳 Loans & CreditOverdraft Cost Calculator
What does going overdrawn on your account cost?
💳 Loans & CreditHow Much Loan Can I Afford?
Estimate a sustainable loan size from your monthly budget.
💳 Loans & CreditRefinancing Break-Even
Is it worth switching to a cheaper loan or mortgage?
Guides (7)
Consumer Credit and Debt in Switzerland: Rules and Smart Payoff
The legal interest cap, how leasing works, and how to get out of debt.
💳 6 min readDebt 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.
💳 5 min readCredit Cards and Overdrafts in Switzerland: Costs and Smarter Alternatives
Interest, fees and the habits that keep card debt from growing.
💳 5 min readCar Loan, Leasing or Cash: Which Is the Cheapest Way to Pay?
How the three options compare in cost, flexibility and risk.
💳 4 min readPersonal Loans: How to Compare Offers and Avoid Hidden Costs
The effective rate, fees and insurance add-ons that decide the true price.
💳 4 min readRefinancing and Early Repayment: When Does It Pay Off?
How to compare switching costs with interest savings and what contracts allow.
💳 5 min readAvoiding the Debt Spiral: Warning Signs and First Aid
How to recognise trouble early, prioritise payments and get help.