Lend loan

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+).

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

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

Regular income and ongoing, unlimited employment.

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), extract from the debt collection register and ZEK self-disclosure. Additional documents like divorce settlements, home rental agreements and other documents may be required.

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.