11% for personal loans (LCC), 12% for revolving credit (cards).

Is there a cooling-off period?

Yes, 14-day withdrawal right after signing, free of charge.

Yes, in ZEK and IKO databases. Affects future loan applications.

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Personal loan

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11%
Max LCC rate
84 mois
Max term
30%
Max payment
ZEK
Credit check

Tout savoir sur Personal loan en Suisse en 2026

A personal loan finances a personal project without mortgage. Swiss LCC law caps rates at 11% (12% for cards). Responsible lending requires creditworthiness checks (ZEK/CRIF) and the contract allows 7-day withdrawal. Polia compares 15+ providers.

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LCC protection

Legal cap 11%, 7-day right of withdrawal.

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Personal loan en 90 secondes

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Maximum rate?: 11% for personal loans (LCC), 12% for revolving credit (cards).
Is there a cooling-off period?: Yes, 14-day withdrawal right after signing, free of charge.
Is my loan recorded?: Yes, in ZEK and IKO databases. Affects future loan applications.

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