Compare the cost of two loan offers

(Calculator widget directly below: three fields — “Desired amount in CHF”, “Term from 6 to 120 months”, “Interest rate in % with another provider” — and the results table. The labels of the live page are kept as is.)

1. What does the eny Credit loan comparison do?

The calculator sets two calculation variants side by side: your existing or available offer and a calculation using eny’s terms. You enter the amount, the term and the interest rate of the other provider. The calculator shows the monthly instalment, the total loan cost and the calculated difference.

What the calculator does not do: it does not retrieve other providers’ terms and does not list a market overview. The comparison value in the field “Interest rate in % with another provider” comes from you. We make this transparent, because a comparison is only as good as the figure you enter.

The calculation is free of charge, requires no registration and is non-binding. It is an estimate, not an offer: the interest rate that applies to you is only fixed after the assessment of your ability to repay and your creditworthiness.

2. Which three details do you need for the comparison?

Field	What to enter	Where to find the value
Desired amount in CHF	the desired loan amount, CHF 1,000 – 250,000. When switching a current loan: the current outstanding balance	loan agreement or balance statement from your lender
Term	6 – 120 months. When switching: the remaining term	loan agreement
Interest rate in % with another provider	the annual percentage rate of the comparison offer — not the nominal rate, not the monthly instalment	loan agreement or offer

Always use the annual percentage rate for the third field. If you accidentally enter a nominal rate there, the calculated saving will come out too high.

3. Why is the annual percentage rate the key comparison figure?

The annual percentage rate covers all costs of the loan and is standardised to one year. For loans subject to the KKG, this disclosure is required by law. Nonetheless, only compare offers with the same amount and the same term, and also consider the monthly instalment, the total amount and the contractual terms.

The monthly instalment, by contrast, is not a valid basis for comparison. A longer term lowers the instalment while increasing the interest cost at the same time. Two offers with an identical instalment can differ by several thousand francs in total cost.

An example of the effect of the interest rate with the same amount and the same term:

Amount	Annual percentage rate	Term	Monthly instalment	Total loan cost
CHF 35,000	4.90 %	60 months	CHF 657.18	CHF 4,431.01
CHF 35,000	9.90 %	60 months	CHF 734.68	CHF 9,080.61

Sample calculation without optional instalment protection insurance; rounding differences are possible. The rate used is an annual percentage rate.

Anyone who compares only the monthly instalment does not see the full extent of this difference: over the whole term, the two variants differ by CHF 4,649.60.

4. What you should compare besides the interest rate

Criterion	Why it matters	At eny Credit
Annual percentage rate	includes all costs, comparable across providers	4.90 % – 9.90 %, depending on creditworthiness
Approved amount	a low rate is of no use if the amount you need is not approved	CHF 1,000 – 250,000, subject to ability to repay
Term range	determines the instalment and the total cost	6 – 120 months
Early repayment	if you want to repay earlier, you should know the conditions beforehand	possible at any time for KKG contracts; further terms in the fee sheet
Further fees	processing or arrangement costs change the annual percentage rate	see fee sheet
Optional cover	additional benefit that affects the price	eny Credit Insurance, optional

Here we compare exclusively our own terms with the value you enter. We do not make statements about the terms of individual other providers.

5. What does the statutory maximum interest rate require?

For loans subject to the KKG, a maximum interest rate of 10 % annual percentage rate for cash loans and 12 % for overdraft loans has applied since 1 January 2026. The cap is an upper limit, not a normal value. eny Credit, with a maximum of 9.90 %, is below the current cap for KKG cash loans. For older agreements, the legal position in force at the time of conclusion is decisive; a lower maximum interest rate today does not automatically make an earlier agreement unlawful. In detail: how the maximum interest rate for consumer loans is set.

6. Does the comparison trigger a credit application or a ZEK entry?

No. The calculator on this page is a calculation, not an application. It does not transmit personal data and does not result in an entry with the Central Office for Credit Information (ZEK).

Only within the framework of an application does eny assess the ability to repay and creditworthiness and obtain the information required for this. For KKG contracts, this assessment is required by law. What happens during the assessment is explained in the guide Credit assessment.

7. What happens after the comparison?

• You want to take out a new loan: Online loan — application, assessment, payout describes the process and the documents needed.
• You want to switch a current loan: Debt consolidation — when switching pays off weighs the cost of switching against the interest saving.
• You just want to know the instalment for an amount: Loan calculator.

8. What to do if an application was rejected

A rejection is not a formality that another provider will automatically fix. It has substantive reasons — for example insufficient ability to repay, open debt enforcement proceedings or payment arrears. For KKG contracts, no provider can bypass the statutory assessment of ability to repay.

Three steps make sense in this situation: ask for the reason, check your own entries with ZEK and information offices — you have a right to information — and work through your budget before submitting another application. Several applications in quick succession do not improve the situation.

If your monthly commitments are already unaffordable today, an additional loan is the wrong answer. The free, independent Schuldenberatung Schweiz is then the right place to turn.