Who writes the content in the eny guide?

The content is produced at eny Finance AG and is reviewed by specialists before publication. Each page names the responsible person. eny Finance AG

How up to date is the information?

Each page carries a visible update date. Guide texts are reviewed at least twice a year; product and legal information additionally whenever changes occur.

Who is behind the guide?

The publisher is eny Finance AG, which itself offers personal loans and may, depending on the case, broker applications to lending partners. Product information is therefore clearly labelled as such.

Where do the figures and legal information come from?

Legal information comes from the Consumer Credit Act and the corresponding ordinance on Fedlex, information on ZEK and IKO from the respective associations themselves. All sources are listed with a date at the end of each page.

Does the guide replace advice?

No. For an independent assessment of your financial situation, the non-profit specialist debt counselling offices and Budgetberatung Schweiz are responsible — neither is connected to us.

Loan guide Switzerland

What does a personal loan cost? How is ability to repay assessed? And when can debt consolidation make sense? In the eny guide you'll find understandable answers, calculators and current sources — so you can compare offers realistically and make a decision that fits your budget.

What you’ll find here

Start with the question on your mind right now: preparing a loan, understanding creditworthiness, comparing costs, or checking an existing loan. Legal and numerical information is provided with an update date and traceable sources.

The basics

Page	Answers the question
Taking out a loan in Switzerland: process and requirements	Who qualifies, which documents are needed, how does the application proceed?
When a personal loan makes sense – and when it doesn’t	Should I take out a loan at all? What alternatives are there?
Facts about personal loans	What distinguishes a personal loan from other forms of financing?

Creditworthiness and assessment

Page	Answers the question
Credit assessment in Switzerland: process, criteria, ZEK	What is examined, what role do ZEK and IKO play, what influences the outcome?

eny reviews every loan application. For loans subject to the KKG, the assessment of ability to repay is required by law. It is meant to prevent a loan from leading to over-indebtedness.

Costs and interest

Page	Answers the question
Loan calculator: calculate instalment and total cost	What does my desired amount cost per month and in total?
Interest calculator	How do interest rate and term affect the total cost?
Maximum interest rate for consumer loans	How much interest may a consumer loan subject to the KKG carry at most in Switzerland?

The annual percentage rate covers all costs of the loan and is the key standardised comparison figure. Also compare the term, monthly instalment and total repayment.

Existing loans

Page	Answers the question
Switch a loan: calculator for debt consolidation	Is it worth switching my existing loan?
Debt consolidation: combining several loans	How does a consolidation work, and when does it bring a benefit?

Debt consolidation is only worthwhile if the total cost falls — not if only the monthly instalment gets smaller. A lower instalment with a longer term is often more expensive.

Who the guide is for

The content is aimed at people in Switzerland who are considering a personal loan, comparing offers, or want to restructure an existing loan. The specific requirements for an application with eny can be found on the loan overview.

Key terms

Term	Brief explanation
Annual percentage rate	The total cost of the loan as a percentage per year. It is the key standardised comparison figure.
Total cost	Loan amount plus all costs over the agreed term.
Ability to repay	The calculated capacity to repay a KKG loan without touching the non-attachable part of income.
Creditworthiness	Assessment of ability to pay and prior payment behaviour.
ZEK and IKO	Information offices that hold credit information to the respective prescribed extent.
Debt consolidation	Paying off one or more loans with a new loan. It only makes sense if the total cost falls.

About our editorial team

These pages are produced at eny Finance AG in Zürich. Legal and product statements are reviewed by specialists before publication. The statutory maximum interest rate applies indefinitely but is reviewed at least once a year; relevant changes are updated promptly.

We write in our own interest. Where we have an economic interest, we name it — and where a solution other than a loan is the right one, we say that too.

Publisher information eny Finance AG

Publisher eny Finance AG, Baslerstrasse 60, 8048 Zürich. The lender is eny Finance AG, based in Zürich. Granting a loan is prohibited if it leads to over-indebtedness of the consumer.

As of: 6 August 2026 · Next review: January 2027 (maximum interest rate) and January 2027 (guide review cycle, twice yearly)