Lend loan

  • Interest rate varies depending on credit rating

  • Digital identification possible

  • For property owners better rates

General conditions:

Request a non-binding free quote without affecting your ZEK credit history.

Residence in Switzerland or Liechtenstein required. A Swiss bank account is also required.

Interest rates vary based on the creditworthiness, loan terms and financial situations of applicants. 

Credit rating required to obtain a loan: A+, A, B, C or D.

Important: The lowest interest rate is only available to applicants with the highest credit ratings (with collateral or home owners: A+).

Min. effective interest rate:
4.5%
Max. effective interest rate:
10.95%
Minimum amount of loan:
CHF 10,000
Max. amount of loan:
CHF 200,000
Minimum duration:
12 months
Maximum duration:
84 months
Minimum age:
20 years
Maximum age:
64 years
Special services:
Early repayment
Type of loan:

New loans, loan refinancing. Loans can be increased at later points in time within the loan term.

Residence permit:

Swiss citizens. Non-citizens who hold C or B residence permits.

Employment:

Regular income and ongoing, unlimited employment.

Documents:

Copy of ID card or passport. Non-citizens must provide a copy of their residence permit in addition to a copy of their passport. Salary statements (last three months) and extract from the debt collection register. Additional documents like divorce settlements, home rental agreements and other documents may be required.

General information:

The interest rates used vary between loans depending on the creditworthiness and financial situation of applicants. Interest rates may also vary based on the lengths of loan terms. With insurance, the interest costs can be lower.


Special offers for Moneyland users

Moneyland Special Offers

Credit card promotion

Amex Platinum

  • Extra bonus until November 10: 75,000 instead of 45,000 Membership Rewards points

  • ½ annual fee in the first year

  • Comprehensive benefits

Credit card promotion

Amex Gold

  • Extra bonus until 11.11.: 40,000 instead of 15,000 Membership Rewards points

  • ½ annual fee in the first year

  • Up to CHF 100 credit per year for consumption in a restaurant or with a delivery service of your choice

Swiss digital bank

Alpian

  • CHF 100 welcome bonus

  • Favorable foreign exchange rates

  • Multi-currency account with Visa card (CHF, EUR, USD, GBP) 

Funds

Allianz Fund Investments

  • Special offer with CHF 200 welcome bonus

  • No prior knowledge necessary: Advice from experts

  • One of the 10 largest asset managers worldwide

Swiss Trading Platform

Cornèrtrader Special Offer

  • Special offer: particularly favorable conditions for Moneyland users

  • No custody account fees for shares

  • Swiss online bank with FINMA license

Swiss Broker

Saxo Bank Special Offer

  • Special offer: Reimbursement of brokerage fees up to CHF 200 for 90 days

  • Licensed Swiss bank (FINMA)

  • Free expert research and trading signals

Gold subscription

Philoro Schweiz AG

  • Secure CHF 20 starting credit with the ML24 voucher

  • Invest in gold monthly from CHF 25

  • Withdrawable at any time or available as gold

Special offers for Moneyland users

Moneyland Special Offers

Credit card promotion

Amex Platinum

  • Extra bonus until November 10: 75,000 instead of 45,000 Membership Rewards points

  • ½ annual fee in the first year

  • Comprehensive benefits

Credit card promotion

Amex Gold

  • Extra bonus until 11.11.: 40,000 instead of 15,000 Membership Rewards points

  • ½ annual fee in the first year

  • Up to CHF 100 credit per year for consumption in a restaurant or with a delivery service of your choice

Swiss digital bank

Alpian

  • CHF 100 welcome bonus

  • Favorable foreign exchange rates

  • Multi-currency account with Visa card (CHF, EUR, USD, GBP) 

Funds

Allianz Fund Investments

  • Special offer with CHF 200 welcome bonus

  • No prior knowledge necessary: Advice from experts

  • One of the 10 largest asset managers worldwide

Swiss Trading Platform

Cornèrtrader Special Offer

  • Special offer: particularly favorable conditions for Moneyland users

  • No custody account fees for shares

  • Swiss online bank with FINMA license

Swiss Broker

Saxo Bank Special Offer

  • Special offer: Reimbursement of brokerage fees up to CHF 200 for 90 days

  • Licensed Swiss bank (FINMA)

  • Free expert research and trading signals

Gold subscription

Philoro Schweiz AG

  • Secure CHF 20 starting credit with the ML24 voucher

  • Invest in gold monthly from CHF 25

  • Withdrawable at any time or available as gold

Deal of the Day
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Credit card promotion

Amex Platinum

Extra bonus until November 10: 75,000 instead of 45,000 Membership Rewards points