Loans in Switzerland

Here you will find an overview of the terms, the requirements and the process. For details, every entry leads directly to the matching product, guide or calculator page.

1. Which loans does eny Credit offer?

eny offers cash loans that are not tied to a specific purpose. Up to and including CHF 80’000 they are in principle subject to the Swiss Consumer Credit Act (KKG), unless another statutory exception applies. Loans above CHF 80’000 do not, in principle, fall within its scope.

Offer	Suitable if you …	Page
Personal loan	need a loan without a fixed purpose	Terms and representative example for the personal loan
Consumer loan	want to know which legal framework applies	Consumer loan under the KKG: framework, rights, costs
Car loan	want to buy a vehicle and remain its owner	Car loan: the vehicle stays your property
Refinancing	want to replace an existing, more expensive loan	Refinancing: replacing an existing loan

In all cases you apply digitally. The process is described step by step on the page Online loan: application, assessment, payout.

2. Which terms apply?

Feature	Value
Loan amount	CHF 1’000 – CHF 250’000
Term	6 – 120 months
Annual percentage rate	4.90 % – 9.90 %, depending on creditworthiness
Statutory maximum rate	10 % since 1.1.2026 for cash loans subject to the KKG
Monthly instalment	fixed for the whole term
Early repayment	possible at any time with KKG contracts
Provisional credit decision	usually around 3 minutes; not a binding credit commitment
Currency and market	CHF, Switzerland only
Intended use	free, no details required
Optional cover	eny Credit Insurance

For cash loans that are subject to the KKG, the maximum interest rate was reduced to 10 % with effect from 1 January 2026. The eny maximum rate of 9.90 % is a product feature and also applies to larger eny loan amounts.

Which rate within this range applies to you only emerges from the assessment of your credit capacity and creditworthiness. A best rate cannot seriously be promised without that assessment.

3. Who can apply for a loan?

Requirements

• Residence in Switzerland
• Employment as an employee (income from salaried employment)
• Swiss citizenship or residence permit B or C
• Legal age (18 years)

Not possible

• Self-employed and freelance workers
• People without earned income
• Residence abroad, residence categories other than B or C
• Business loans — for companies there is the separate offer SME financing

We say this openly because it saves both sides time. The requirements are the condition for an assessment, not for approval: every application is assessed individually.

4. How does the application work?

1. Complete the application — online and without obligation.
2. Provisional decision — usually within around 3 minutes. It is not yet a credit commitment.
3. Final assessment — your details and documents are assessed in full. With KKG loans the credit capacity assessment is required by law; it assumes repayment within 36 months.
4. Offer and contract — you receive an individual offer showing your annual percentage rate, your monthly instalment and the total costs.

With a KKG contract the withdrawal period is 14 days from receipt of the copy of the contract. Details: Online loan: application, assessment, payout.

5. What does a loan cost?

The annual percentage rate contains all costs of the loan and is the central standardised basis for comparison. In addition, compare the term, the monthly instalment and the total amount.

Two ways to see the figure for your situation:

• Loan calculator: work out the monthly instalment and the total costs
• Loan comparison: work out the savings potential against your current rate

The representative example is shown under “Mandatory information”.

6. Which rights do you have as a borrower?

For loans that are subject to the KKG, the following apply among others:

• Withdrawal from KKG contracts — within 14 days of receiving the copy of the contract, without giving reasons.
• Early repayment — possible at any time; you do not pay interest for the part of the term you no longer use.
• Protection against over-indebtedness — the credit capacity assessment is a duty of the lender. Granting credit is prohibited if it leads to the over-indebtedness of the consumer. The German version of this notice is legally binding.

Explained in detail: Credit assessment in Switzerland — what is checked.

7. Which calculator matches your question?

Your question	Calculator
How high will my monthly instalment be?	Loan calculator
What will the interest cost me over the term?	Interest calculator
Is it worth replacing my existing loan?	Loan replacement calculator
Loan or leasing for a vehicle?	Leasing calculator

All calculators are non-binding, free of charge and can be used without registration. They do not trigger a credit enquiry and therefore no entry with the Central Office for Credit Information (ZEK).

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