Refinancing loan

Prioritzing your balances

Desired Credit Amount
CHF
Duration in Months
Months
Interest Charges fromCHFtoCHF
Monthly Rate fromCHF1'474toCHF1'900
Nominal Interest from4.10%to5.30%

After a deduction of CHF in costs, you will receive a total net pay-out of CHF . The minimum repayment period is 12 month and maximum repayment period is 60 month. The effective annual interest including fees and death insurance "CG24 Safe" is minimum 4.8% and maximum 9.9% and is calculated on the basis of your personal financial situation by CreditGate24 (Schweiz) AG. Example for a private loan of CHF 30’000 with a term of 24 months: Effective annual rate is 5.6% (rating AA, incl. fees and insurance), CG24 fee (one-time): CHF 450 (This amount is deducted once from the amount of the loan requested), monthly rate: CHF 1’303 (Amortization, interest rate costs and insurance), total interest rate costs: CHF 1’194, total insurance fee: CHF 91, total costs (credit amount including interest rate costs and insurance fee): CHF 31'736. The grant of a loan is forbidden if it leads to over-indebtedness (Art. 3, Federal Unfair Competition Act).

Replace your loan and safe money

Did you know that you can repay your loan without additional costs? *

* This applies to all loans covered by the Consumer Credit Act (KKG). Further information on the current KKG can be found here: Federal Law on Consumer Credit (KKG)

 why early loan exchange could benefit

Take advantage of the opportunity to redeem your loan prematurely and at no extra cost. With a loan resolution, you can minimize your monthly charge and save a lot of money thanks to the lower interest rate. Stay flexible in your future planning.

The following example will help you understand how much you can save money if you can reduce your interest rate. You have a current personal loan with a remaining credit amount of CHF 60,000. Your current interest rate is 9.6 percent and the remaining term of the loan is still 48 months. Your monthly rate is currently CHF 1'460. You have received an offer from a new lender with an effective interest rate of 6.2 percent (interest including all fees). Instead of the CHF 1'460 you would only pay CHF 1'370 monthly with the new offer with the same term. You save over CHF 4'100 over the entire term of 4 years.

key figurescurrent conditionsearly loan exchange
remaining loan amountCHF 30'000CHF 30'000
reamaining term48 month48 month
interest rate9.7%6.2%
monthly rateCHF 1'460CHF 1'370
monthly savingsCHF 90
total savings> CHF 4'100

A premature loan resolution would already be worthwhile in this case. Even in the event that you would pay fees for the financial statement, you benefit from a premature loan debt.

Financing the easy way

Register online and apply for your personal loan directly from home.

Based on your documents, we will create your personal loan offer.

With your signature, we will put your loan project online.

Our investors will finance your loan and we will transfer the loan to you after a maximum of 14 days (compliance with the KKG).

Prerequisite for early loan termination

According to the Swiss Consumer Credit Law (Konsumkreditgesetz - KKG), the termination of a consumer credit in Switzerland is free of charge. Loans under the KKG (loans up to CHF 80'000) can be terminated at any time, without repaying the outstanding installments or paying interest. If you want to replace your current loan or several loans prematurely, the new lender needs a final settlement from the current vendors.

The final balance sheet contains the outstanding amount of the current loans. It should be noted that some credit institutions may charge fees for the preparation of the final settlement. If the current loan under the KKG is the final invoice free of charge.

Procurement of the final invoice can only be requested by the borrower. Make sure that the final statement has been compiled correctly and the outstanding amount has been determined exactly. With the final invoice, the new lender can then determine a new loan offer for you.

We recommend that you cancel the old loan agreement only after you have received the written approval from the new creditor.

SAVE MONEY AND TIME with CreditGate24

Apply for your loan directly online, regardless of opening hours.

Benefit from low interest rates and a simple process.

Get your loan decision within 24 hours.

More than 7,000 customers trust CreditGate24.

Transparent fees

Registration and account opening: free of charge

Loan request: free

CreditGate24 fee: 0.6-0.8% p.a.*

Insurance fee of Generali: already included in the monthly rate **

* Customers will be charged a one-time upfront fee for your loan depending on the term and credit amount. Minimum fee for amortization loans: CHF 100. 

** In all grades, the residual debt (up to CHF 100,000) is insured by Generali in the event of death and is not transferred to the heir.

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