Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

MultiCredit 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

MultiCredit suits Swiss earners who want a fixed-rate personal loan with no arrangement fee and no charge for settling early. It works as a broker, with rates running 4.9% to 10% over terms of 6 to 84, and approved money lands in your account within 14 days (legal deadline) of signing.

Key facts

Best for
Swiss borrowers who want a fee-free, fixed-rate loan they can settle early without a charge.
APR
4.9% to 10%↗
Loan amount
CHF 3,000 to CHF 400,000↗
Term
6 to 84 months↗
Arrangement fee
CHF 0 (no application fees)↗
Credit check
Hard↗
Funding time
14 days (legal deadline)↗
Representative example
Financing of CHF 10,000 over 12 months at an effective annual rate of 4.9%-10%, total interest about CHF 270-550, no fees↗
Rate type
Fixed↗
Lender type
Broker↗
Free early repayment
Yes↗
Eligibility
18+, working in Switzerland on an indefinite or long-term contract, Swiss national or B/C/G permit or legitimation card, no pending lawsuits; self-employed registered 2 years, B permit holders 12 months in Switzerland↗
Loan types
Personal, Debt-consolidation, Car, Student, Business↗
Credit needed
Good↗
Use cases
Home-improvement↗
Legal entity
Cashflex MultiCredit GmbH↗
Headquarters
Switzerland↗
Founded
1999↗
Support channels
Email, Phone, Help-centre↗
Pricing model
Fixed rate
Official website
multicredit.ch

Mortgages

Initial rate
4.9%↗
APRC
4.9%↗
Fixed period
1 to 7 years↗
Product fee
CHF 0↗
Purpose
Purchase, Remortgage↗

Facts checked September 26, 2026, 7 sources

Apps and profiles

Elsewhere
LinkedInyoutube.com

Pros and cons

Pros

  • Nothing to pay to apply or hold the loan: CHF 0 (no application fees) and CHF 0.
  • Pricing is fixed and early repayment carries no charge, so the payment stays level and you can exit the loan early.
  • The company holds a cantonal authorisation for consumer credit brokerage from the Canton of Zug, and support runs on email, phone and help centre.

Cons

  • The credit check is a hard search against a good credit profile, so a thin file can block the application.
  • Payout takes 14 days (legal deadline), which is slow for an urgent purchase or move.
  • As a broker, it introduces you to a lender rather than lending to you itself.
MultiCredit

Ready to try MultiCredit?

Scored 9.1 / 10 by SumCue.

See alternatives

Who it suits

  • Swiss employees on indefinite or long-term contracts who want a fee-free fixed-rate loan.
  • Borrowers consolidating debt or funding a car, study or home project: purposes cover personal, debt consolidation and car.
  • Homebuyers and remortgagers, with an initial rate of 4.9% and a fixed period of 1 to 7.

Who should look elsewhere

  • Borrowers outside Switzerland, where the service is built for people working in the country, and Cashspace covers PHP 12 to PHP 36 instead.
  • Anyone weighing Sofkredit, whose 10.74% to 18.06% sits above the 4.9% to 10% MultiCredit offers.
  • Applicants who want a lender rather than a broker, or a euro loan, since amounts there start at from €12,000.

Who runs it

MultiCredit is run by Cashflex MultiCredit GmbH, registered in Switzerland, and has traded since 1999, so the name on your agreement is a legal entity rather than a trading label alone. Applications and servicing sit with a single team, and support comes through email, phone and help centre, with a help centre alongside email and phone for questions before and after a loan is signed.

How MultiCredit compares

Where MultiCredit is available

Available
Switzerland
Licence in Switzerland
Canton of Zug (cantonal authorisation for consumer credit brokerage), checked September 26, 2026

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

Frequently asked questions

What does a MultiCredit loan cost?+

There is nothing to pay to apply and no ongoing product fee: the arrangement charge is CHF 0 (no application fees) and the product fee is CHF 0. Interest is the only cost, and the rate on a personal loan runs 4.9% to 10% depending on the lender.

Is my money safe with a broker rather than a bank?+

MultiCredit is a broker, so it arranges the loan and the lender you are matched with is who you repay. It holds a cantonal authorisation for consumer credit brokerage from the Canton of Zug, which covers broking rather than the safety of savings deposits.

How much can I borrow and over what term?+

Personal loans cover CHF 3,000 to CHF 400,000, with terms of 6 to 84 and a fixed rate. A fixed rate holds the monthly payment steady for the whole term instead of shifting with market rates, so budgeting stays simple, and the sum you can borrow scales with what the lender offers.

What credit profile do I need?+

MultiCredit runs a hard credit check and expects a good credit profile. Applicants must be adults working in Switzerland on an indefinite or long-term contract, hold Swiss nationality, a B, C or G permit or a legitimation card, and have no pending lawsuits.

How quickly is the money paid out?+

The payout runs to 14 days (legal deadline), a legal deadline rather than a service target. That is slower than the same-day funding offered by 57.5% of lenders in this ranking, so start the application well before a purchase or move with a fixed date.

Does MultiCredit arrange mortgages as well as personal loans?+

Yes, home finance runs through the same broker, with an initial rate of 4.9%, an annual percentage rate for reference of 4.9% and a fixed period of 1 to 7. Purposes cover purchase and remortgage, so a purchase and a remortgage follow the same application route.

Can I apply from outside Switzerland?+

No, the service is built for people living and working in Switzerland. The eligibility rules ask for adults on an indefinite or long-term contract, with self-employed applicants needing a minimum registered period and B permit holders a minimum time in the country.

How risky is borrowing at these rates?+

Around 70.15% of retail borrowers lose money on the product they signed up for, so the real test is whether the monthly payment fits the budget with room to spare, not the rate on paper.

Sources

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

MultiCredit

MultiCredit

Swiss borrowers who want a fee-free, fixed-rate loan they can settle early without a charge.

9.1/10See alternatives