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Credaris review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Credaris is a Swiss credit broker for adults who want a personal loan without a brokerage charge, and the arrangement fee is free. Effective annual rates start low, the money goes straight to your account, and you can repay early at no cost, which suits planned spending rather than emergencies.

Key facts

Best for
Swiss adults borrowing for a car, home improvement or debt consolidation without a brokerage fee.
APR
4.4% to 9.95%↗
Loan amount
CHF 500 to CHF 80,000↗
Term
6 to 120 months↗
Arrangement fee
0 CHF (credit brokerage is free of charge for the borrower by law)↗
Credit check
Hard↗
Funding time
Paid to your account after contract signature and the 14-day statutory withdrawal period (loans outside the KKG are paid without waiting period)↗
Representative example
Privatkredit of CHF 25000 over 36 months at 4.7% to 9.95% effective annual rate: cost CHF 1813.15 to 3839.39, monthly rate CHF 744.81 to 801.09↗
Lender type
Broker↗
Free early repayment
Yes↗
Eligibility
Minimum age 18; Swiss citizens, Liechtenstein and C-permit holders generally without restrictions, other permits face limits; employment and income must be evidenced with payslips↗
Loan types
Personal, Car, Debt-consolidation↗
Use cases
Home-improvement↗
Legal entity
Credaris AG (UID CHE-110.346.162)↗
Headquarters
Switzerland↗
Founded
2014↗
Support channels
Email, Phone, Help-centre↗
Official website
credaris.ch

Facts checked September 26, 2026, 6 sources

Apps and profiles

Elsewhere
provenexpert.comgoogle.com

Pros and cons

Pros

  • Brokerage is free of charge for the borrower by law, so no arrangement fee sits on top of the loan
  • Effective annual rates of 4.4% to 9.95% sit well below the 15.5% typical of listed lenders
  • Free early repayment lets you clear the balance sooner if your situation improves
  • Support runs on email, phone and help centre

Cons

  • It is a broker rather than the lender, so the rate you are offered depends on the partner it places you with
  • Applications run a hard credit check on hard, so a decline is recorded on your file
  • Most loans are paid out only after the contract signature and the statutory withdrawal period
Credaris

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Scored 9.0 / 10 by SumCue.

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Who it suits

  • Swiss citizens and C-permit holders with payslips to evidence, who value a fee-free broker
  • Adults consolidating debt or funding home improvement, car purchase
  • Borrowers who want to repay early without a charge

Who should look elsewhere

  • Anyone needing money the same day, since most loans are paid after the statutory withdrawal period
  • Borrowers with thin files, as the hard credit check on hard is applied
  • People outside Switzerland, where this broker does not operate

Safety of your money

Credaris is a broker, not a lender, so the contract you sign is with a partner credit provider. The representative example shows a private loan repaid over 6 to 120 at an effective annual rate drawn from the 4.4% to 9.95% range, with the total cost and monthly instalment set out. It holds a cantonal credit brokerage permit from Kanton Zuerich. Because funding follows contract signature and the statutory withdrawal period, you can still step away before the money moves.

Who runs it

The broker is Credaris AG (UID CHE-110.346.162), based in Switzerland and operating since 2014. It works as a credit intermediary, matching applicants with lenders for personal, car and debt consolidation loans rather than lending from its own balance sheet. Questions are handled by email, phone and a help centre, so there is a person to reach at each stage of an application.

How Credaris compares

Where Credaris is available

Available
Switzerland
Licence in Switzerland
Kanton Zuerich (cantonal credit brokerage permit), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does Credaris cost the borrower?+

There is no arrangement fee. Credit brokerage is free of charge for the borrower by law, so the cost of borrowing is the interest on the loan itself, priced at an effective annual rate of 4.4% to 9.95%. Early repayment is also free, so clearing the balance early costs nothing extra.

How much can I borrow and over what period?+

Loan amounts run from CHF 500 to CHF 80,000, and terms run 6 to 120. You can use the money for personal spending, a car, debt consolidation or home improvement, which is the purpose the broker highlights most often.

Does Credaris lend the money itself?+

No, broker means Credaris acts as an intermediary. Your application is placed with a partner lender and the contract you sign is with them, so the final rate depends on which partner takes the application.

Is Credaris regulated and where is it based?+

The company is Credaris AG (UID CHE-110.346.162), registered in Switzerland. It holds a cantonal credit brokerage permit from Kanton Zuerich, and the requirement that brokerage is free of charge for the borrower is a matter of law rather than a promotional offer.

How long does it take to receive the money?+

Payment goes to your account after you sign the contract and the statutory withdrawal period has passed. Loans that fall outside the KKG are paid without any waiting period, so if your borrowing is exempt the timeline shortens considerably.

What credit check do I need to pass?+

The check is hard, so a decline will be recorded on your credit file. Applicants also need to evidence employment and income with payslips, which makes the process smoother if your paperwork is in order.

Who can apply?+

Applicants must be adults, and Swiss citizens, Liechtenstein nationals and C-permit holders are generally without restrictions, while other permit holders face limits. Employment and income must be evidenced with payslips before a lender will assess the application.

What support do I get?+

Help runs through email, phone and help centre. You can email, call or use the help centre, which matters most during the application itself since a broker has to answer lender questions about your documents.

Sources

  • credaris.ch/de checked September 26, 2026

    Backs: Founded, Support channels

    “Credaris AG, Stauffacherstrasse 16, CH-8004 Zuerich, T: +41 44 556 60 00, info@credaris.ch, Kundencenter”

  • credaris.ch/de/impressum checked September 26, 2026

    Backs: Headquarters, Legal entity, Lender type, Licences

    “Credaris AG, Stauffacherstrasse 16, 8004 Zuerich”

  • credaris.ch/de/kleinkredit checked September 26, 2026

    Backs: Eligibility

  • credaris.ch/de/konsumkredit checked September 26, 2026

    Backs: Credit check, Free early repayment, Funding time

  • credaris.ch/de/kredit checked September 26, 2026

    Backs: Loan amount, Loan types, Arrangement fee, Representative example

    “Kreditbetrag zwischen CHF 500 und 80'000 (Konsumkredit/Privatkredit)”

  • credaris.ch/de/privatkredit checked September 26, 2026

    Backs: APR, Term, Use cases

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Related by the facts

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Swiss adults borrowing for a car, home improvement or debt consolidation without a brokerage fee.

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