Switchr.lu review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Switchr.lu gathers Luxembourg lenders and insurers on one free page, which suits expats who would rather compare than pick a single provider. Its consumer credit runs at an APR of 4.54% to 5.48% over 12 to 60, and the mortgages it quotes start at an initial rate of 3.69% with fees of €300 to €2,500.
Key facts
- Best for
- Expats in Luxembourg who want quotes for cover, a loan or a mortgage from several providers in one place.
- Premium from
- €25↗
- Insurance types
- Auto, Home, Health, Life↗
- Provider type
- Comparison site↗
- Monthly payments
- Yes↗
- Excess from
- €0↗
- Legal entity
- WeSave SAS (RCS Paris 938 644 317)↗
- Headquarters
- France↗
- Founded
- 2022↗
- Support channels
- Email↗
- Audience
- Expats
- Pricing model
- Monthly
- Official website
- switchr.lu
Loans
Mortgages
Savings
- Access terms
- Open access, no account or registration needed; free comparison service for users↗
- Monthly fee
- €0↗
Facts checked September 26, 2026, 6 sources
Apps and profiles
- Elsewhere
Pros and cons
Pros
- Browsing needs no account or registration, and the comparison service is free for users.
- Cover spans auto, home and health, and monthly payments are available on the quotes.
- Mortgages reach a maximum loan to value of 100%, fixed for 10 years, covering purchases, first-time buyers and buy-to-let.
- The credit profile these loans target is good, and funding is quoted at 2 to 3 days.
Cons
- Support runs on email only.
- Borrowing is limited to personal loans, so debt consolidation and car finance are not quoted.
- Personal loans start at €75,000 to €100,000, which rules out small, short-term borrowing.
Who it suits
- Expats living or working in Luxembourg who need several quotes side by side.
- People insuring a car, home, health or life policy and paying monthly.
- Borrowers weighing a mortgage for a purchase, a first home or a buy-to-let.
Who should look elsewhere
- People who want an account rather than quotes: bunq is a bank you hold directly, with a premium from €0.
- Shoppers settled on a single life policy: Linxea lists life cover from a provider, while Switchr.lu quotes across four types.
Safety of your money
Switchr.lu is a comparison site, not a lender or an insurer, so nothing on the site is underwritten by it. The quotes come from Luxembourg lenders and insurers that assess you on their own terms, which means approval and the rate you are shown are theirs to set. The site carries French ORIAS registration 26004449, and the comparison itself is open to anyone without an account.
How Switchr.lu compares
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8.6 vs 9.4
8.6 vs 8.7Linxea lists life insurance from a provider, so it fits one policy choice rather than a quote across types.
8.6 vs 9.0
8.6 vs 8.8A bank account you hold yourself, with a premium from €0, rather than quotes across Luxembourg lenders.
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Where Switchr.lu is available
- Licence in France
- ORIAS (26004449), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Switchr.lu cost to use?+
Using it costs nothing. The comparison is open, with no account or registration, and the service carries no monthly fee of €0. Insurance on the site can be bought on monthly payments, so a quote can be budgeted month by month rather than paid in one go.
How much does insurance through Switchr.lu cost?+
Home cover starts at €25 and the excess starts at €0. Motor, home, health and life cover are all quoted, and monthly payments are available. What you pay depends on the insurer and the cover you pick.
Is Switchr.lu regulated?+
It is a comparison site rather than a lender or insurer, and it is registered with ORIAS in France under 26004449. Since the site does not underwrite the products, read the terms of the lender or insurer that quotes you before you accept anything.
Who can apply for a loan through Switchr.lu?+
Anyone can put in an application to the Luxembourg lenders the site works with. The credit profile those lenders target is good, and both the approval and the rate depend on your employment situation, your existing debt and your age.
How much can I borrow and over what term?+
Personal loans on the site run from €75,000 to €100,000 over 12 to 60 at an APR of 4.54% to 5.48%. That is a sizeable, longer-term product, and the loans quoted are personal ones only, as personal is the single type listed.
How long does it take to get the money?+
Funding for the personal loans is quoted at 2 to 3 days once an offer is accepted. The decision and the rate sit with the lender, so the clock starts after approval rather than when a quote is shown to you.
Can I get a mortgage through Switchr.lu?+
Yes. The mortgages quoted start at an initial rate of 3.69% with an APRC of 3.77%, fixed for 10 years, and product fees of €300 to €2,500. The maximum loan to value is 100%, and the quotes cover purchases, first-time buyers and buy-to-let.
How do I get help?+
Support runs on email only, so no phone line or live chat is listed for questions. Anything about a specific lender or insurer has to be raised in writing, which keeps a record of what you were told.
Sources
- switchr.lu checked September 26, 2026
Backs: Audience, Excess from, Monthly fee
“Is Switchr really free? Yes, Switchr is 100% free.”
- switchr.lu/assurances/auto checked September 26, 2026
Backs: Pricing model
“Au tiers (RC) ~30-50 EUR/month; Mini-Casco ~50-70 EUR/month; Tous risques ~70-150 EUR/month”
- switchr.lu/assurances/habitation checked September 26, 2026
Backs: Monthly payments, Premium from
“Basic ~25-35 EUR/month; Equilibré ~40-55 EUR/month; Premium ~55-70 EUR+/month”
- switchr.lu/banque/pret-immobilier checked September 26, 2026
Backs: APRC, Fixed period, Initial rate, Maximum loan to value, Product fee, Purpose
“taux débiteur 3,69 % fixé 10 ans”
- switchr.lu/mentions-legales checked September 26, 2026
Backs: Access terms, Provider type, Founded, Headquarters, Insurance types, Legal entity, Lender type, Licences
“The site does not act as intermediary, broker or agent. It is an information service.”
- switchr.lu/nous-contacter checked September 26, 2026
Backs: Support channels
- switchr.lu/pret-consommation checked September 26, 2026
Backs: Loan amount, APR, Credit needed, Eligibility, Funding time, Loan types, Term
“Credit Consommation TAEG 4,54% (BGL BNP Paribas Prunt Personnel, prets jusqu'a 75 000 EUR) to 5,48% (BIL Prunt Personnel)”
Compiled from 7 source pages, checked September 26, 2026. We did not open an account.
Related by the facts
Switchr.lu
Expats in Luxembourg who want quotes for cover, a loan or a mortgage from several providers in one place.