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kreditvergleich.ch review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

kreditvergleich.ch suits Swiss borrowers comparing personal loans, debt consolidation, car, business or student finance through a marketplace. Loan amounts start at CHF 1,000 to CHF 1,000,000 and APRs run from 3.9% to 9.9%, while free early repayment adds flexibility for borrowers who may repay ahead of schedule.

Key facts

Best for
People in Switzerland comparing personal loans, debt consolidation, car, business or student borrowing.
APR
3.9% to 9.9%↗
Loan amount
CHF 1,000 to CHF 1,000,000↗
Term
48 months↗
Arrangement fee
0 CHF↗
Credit check
Soft prequal↗
Funding time
about 14 days, minimum two-week statutory waiting period after conclusion↗
Representative example
50,000 CHF over 48 months: 1,128-1,242 CHF per month, 54,136-59,610 CHF total (PostFinance personal loan)↗
Lender type
Marketplace↗
Free early repayment
Yes↗
Eligibility
Max age 64 at end of contract, permanent and indefinite employment, Swiss or C/B permit holders, ID plus payslips of the last 3 months↗
Origination fee (%)
0%↗
Loan types
Personal, Debt-consolidation, Car, Business, Student↗
Credit needed
Excellent↗
Legal entity
PR Fina Kredit Vergleich Schweiz↗
Headquarters
Switzerland↗
Founded
2017↗
Support channels
Email, Phone↗
Official website
kreditvergleich.ch

Mortgages

Fixed period
2 to 25 years↗
Maximum loan to value
80%↗
Product fee
CHF 0↗
Purpose
Purchase↗

Facts checked September 26, 2026, 8 sources

Apps and profiles

Elsewhere
Wikidatafacebook.com

Pros and cons

Pros

  • Personal loans and other loan types are available through a marketplace, with loan amounts from CHF 1,000 to CHF 1,000,000 and APRs of 3.9% to 9.9%.
  • Free early repayment is available.
  • Origination fees are 0 CHF and 0%.
  • Support is available by email and phone through email and phone.

Cons

  • Funding takes about a waiting period after the conclusion of the loan.
  • Eligibility requires a maximum age at the end of the contract, permanent and indefinite employment, Swiss or C/B permit status, ID and recent payslips.
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Scored 8.9 / 10 by SumCue.

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Who it suits

  • Swiss residents comparing personal loans or debt consolidation options.
  • Borrowers with permanent and indefinite employment who can provide ID and recent payslips.
  • People seeking a marketplace for personal, car, business or student loans.

Who should look elsewhere

  • Cashspace, Sofkredit and Creduma ES may be more relevant if you are outside Switzerland or want to compare a different market and lender range.

The company behind it

Kreditvergleich.ch is operated by PR Fina Kredit Vergleich Schweiz, a marketplace based in Switzerland. The company was founded in 2017. Support is available by email and phone through email and phone, giving you practical ways to contact the service when comparing loan options.

How kreditvergleich.ch compares

Where kreditvergleich.ch is available

Available
Switzerland

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

Frequently asked questions

What does Kreditvergleich.ch offer?+

Kreditvergleich.ch is a marketplace for loans in Switzerland, including personal, debt-consolidation, car, business and student loans. Loan amounts run from CHF 1,000 to CHF 1,000,000, with APRs of 3.9% to 9.9%.

What credit and work conditions are required?+

Kreditvergleich.ch uses a soft prequalification credit check, and the stated credit requirement is excellent. Applicants also need permanent and indefinite employment, Swiss or C/B permit status, ID and recent payslips.

How long does funding take?+

Funding generally takes about a waiting period after the loan is concluded. The stated funding time includes a minimum statutory waiting period, so it may not suit urgent borrowing needs.

Can I repay the loan early?+

Early repayment is free. This can make the loan more flexible if you expect to repay some or all of the balance before the planned end date.

What fees apply?+

Origination fees are 0 CHF and 0%. For mortgage products, the product fee is CHF 0. Personal loan costs should still be assessed against the advertised APR and total repayment figures.

What does the representative example show?+

The stated representative example is a PostFinance personal loan of CHF 1,000 to CHF 1,000,000 over 48, with monthly payments and total repayment amounts as shown in the example. Compare the full cost before applying.

Sources

  • kreditvergleich.ch checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Credit needed, Eligibility, Free early repayment, Lender type, Loan types, Arrangement fee, Representative example, Term

    “Loan amount 1,000 CHF - 1,000,000 CHF (Cashare personal loan)”

  • kreditvergleich.ch/festhypothek checked September 26, 2026

    Backs: Fixed period

  • kreditvergleich.ch/hypothek checked September 26, 2026

    Backs: Maximum loan to value, Purpose

  • kreditvergleich.ch/hypothekenvergleich checked September 26, 2026

    Backs: Product fee

  • kreditvergleich.ch/impressum checked September 26, 2026

    Backs: Headquarters, Legal entity, Support channels

    “Kreditvergleich.ch - PR Fina Kredit Vergleich Schweiz, commercial register number CH-300-1018928-3, VAT CHE-296.111.736”

  • kreditvergleich.ch/privatkredit checked September 26, 2026

    Backs: Funding time

    “In Switzerland disbursement is subject to a waiting period of at least two weeks; loans are usually transferred after about 14 days”

  • kreditvergleich.ch/rechtliche_hinweise checked September 26, 2026

    Backs: Origination fee (%)

    “Our offer is free of charge and non-binding”

  • kreditvergleich.ch/ueber_uns checked September 26, 2026

    Backs: Founded

    “The operator and founder of the Kreditvergleich.ch platform is Joachim Koelmel; CEO of Kreditvergleich.ch since 2017”

Compiled from 8 source pages, checked September 26, 2026. We did not open an account.

Related by the facts

kreditvergleich.ch

kreditvergleich.ch

People in Switzerland comparing personal loans, debt consolidation, car, business or student borrowing.

8.9/10See alternatives