Fixed 2% APR · LCC compliant

Swiss Personal Loan

Borrow freely, with no justification required. Your money, your projects, your decisions — with a guaranteed fixed rate of 2% and a response in under 24 hours.

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Free use – no justification

Borrow without constraints

The CréditPro personal loan does not ask you to explain how you will use the funds. Your project is yours — we handle the financing, in full compliance with the Swiss Consumer Credit Act (LCC, RS 221.214.1).

  • No justification of use required
  • Fixed 2% APR · transparent and clear, LCC compliant
  • CHF 3,000 to CHF 800,000
  • Term 12 to 360 months according to your budget
  • Early repayment, no fee (LCC Art. 17)
  • ZEK / CRIF creditworthiness check · data protected under nFADP
  • 100% online process — electronic signature
Free use — no justification
2.0%
Fixed annual rate
CHF 3,000
Min. amount
CHF 800,000
Max. amount
12 months
Min. term
360 months
Max. term
Representative example CHF 10,000 over 36 months — CHF 286.41/month
Fixed rate 2% — Total due: CHF 10,310.76

All your projects

Finance any project

The personal loan adapts to all your wishes, without you having to justify how you use the funds.

🚗

Vehicle purchase

Finance your new or used car, motorbike or motorhome without going through a dealership.

💍

Wedding

Give yourself the celebration of your dreams — venue, catering, dress, honeymoon — without compromise.

🌍

Travel

World trip, safari, luxury cruise or extended city break — go with peace of mind.

🚀

Business start-up

Launch your project, finance your initial stock, equipment or set-up costs.

🏠

Renovation

Transform your interior, renovate your façade or landscape your garden as you wish.

🆘

Financial emergency

Deal with an unexpected expense, cover an overdraft or handle an emergency without stress.

Comparison

Personal loan vs earmarked credit

Understanding the difference helps you choose the solution best suited to your situation.

Our offer

Personal loan

  • No justification of fund use required
  • Usable for any type of project
  • Funds paid directly to your account
  • Early repayment without penalty (LCC Art. 17)
  • 100% online, fast process
  • Fixed 2% APR — stable monthly payments
Alternative

Earmarked credit

  • Mandatory proof of purchase required
  • Tied to a specific purchase (car, works…)
  • Funds paid to the seller or service provider
  • Cancelled if the purchase is cancelled
  • Sometimes longer processing time
  • Variable rate depending on the offer

Simple and fast

Get your loan in 3 steps

Online application

Fill in our simplified form in 3 minutes from home. No justification of fund purpose required.

Decision within 24h

Our experts analyse your file with ZEK / CRIF verification and send you a clear offer with your precise monthly payments.

Transfer within 48h

After electronic signing of your contract, funds are credited directly to your Swiss bank account within 48 hours.

Key figures

98%
Satisfied clients
24h
Response time
100%
Online, no travel required
2%
Fixed annual APR

Verified testimonials

What our Swiss clients say

★★★★★

"I launched my consulting business thanks to the CréditPro personal loan. No justification needed, ultra-simple process, funds received in 2 days. A real boost to get started!"

Thomas B.
Lausanne VD · CHF 25,000
✓ Verified review
★★★★★

"I needed to finance a car without going through a dealer. With the personal loan, I negotiated cash and saved on the price. The fixed 2% APR was unbeatable."

Amy L.
Zurich ZH · CHF 18,000
✓ Verified review
★★★★★

"Impeccable service from start to finish. The fixed 2% APR is truly competitive and the freedom to use funds as you wish is a considerable advantage. I strongly recommend CréditPro."

John M.
Bern BE · CHF 40,000
✓ Verified review

Frequently asked questions

FAQ — Personal Loan

No, not at all. That is the great freedom of the unsecured personal loan: you have no obligation to justify how you use the funds. They are paid directly into your Swiss bank account and you are free to use them as you wish, for any personal or professional project.
The 2% rate is a fixed annual rate. This means it is guaranteed for the entire duration of your contract, per the LCC (RS 221.214.1). Your monthly payments will never change — not in the event of market rate rises, nor for any other reason. What you sign is what you pay, from start to finish.
A personal loan is a form of unsecured consumer credit, governed by Swiss LCC (RS 221.214.1). Both allow free use of the funds. At CréditPro, we use the term "personal loan" to emphasise the total absence of justification and the purpose of financing larger or more structuring projects.
Yes, self-employed workers, freelancers and business owners in Switzerland can apply for a personal loan with CréditPro. We assess each file individually, taking into account your actual income. You will need to provide your last two balance sheets or turnover statements to validate your repayment capacity per LCC Art. 3.
Yes, per Art. 17 LCC, you can make a partial or full early repayment at any time, with no fees or penalty. Simply request it through your online client area or by contacting your CréditPro adviser. A balance statement will be provided within 5 business days of your request.
Your data is processed in accordance with the new Federal Act on Data Protection (nFADP, RS 235.1), hosted on servers in Switzerland. Creditworthiness checks are performed with ZEK and CRIF AG, Swiss credit information registries. You have the right to access, rectify and delete your data (nFADP Art. 25).

Your project deserves unconstrained financing

No justification, fixed 2% APR, response in 24h. Apply online now.

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