Is the credit simulation free and without obligation?

Yes, our simulator is completely free and without obligation. The simulation has no impact on your ZEK creditworthiness score, as no credit bureau query is performed at this stage.

What amounts can I simulate with the CréditPro calculator?

Our simulator covers amounts from CHF 3,000 to CHF 800,000, for durations of 12 to 360 months, at a fixed annual rate of 2% APR. The calculation is instant and shows the monthly payment, total cost and interest.

How is the monthly payment displayed in the simulator calculated?

The monthly payment is calculated using the constant amortisation formula: M = C × [r(1+r)^n] / [(1+r)^n – 1], where C is the borrowed capital, r the monthly rate (annual rate 2% / 12) and n the number of monthly payments. Example: CHF 10,000 over 36 months = CHF 286.41/month, total cost CHF 10,310.76.

Is the rate shown in the simulator guaranteed?

The fixed annual rate of 2% shown is our guaranteed standard rate, applicable to the vast majority of accepted applications. This rate does not change throughout the entire credit term. It complies with the Swiss Consumer Credit Act (LCC, RS 221.214.1).

100% free & instant simulation

Calculate your monthly payment in seconds

Our simulator calculates your monthly payment, total cost and credit cost in real time. A single fixed rate of 2% for all profiles and all amounts. No obligation, no impact on your ZEK profile.

Fixed 2% APR, no conditions
CHF 3,000 to CHF 800,000
12 to 360 months
Non-binding result

100% free, no registration

The simulation commits you to nothing. No fees, no registration required.

Real-time calculation

Results update instantly with every slider movement.

No impact on your ZEK file

The simulation is purely indicative and triggers no ZEK or CRIF query.

Monthly Payment Simulator

Credit type

Requested amount 3,000 CHF

Repayment term 60 months

Estimated monthly payment

—

per month · fixed 2% APR

Total repaid

—

Total interest

—

Fixed APR

—

Right of withdrawal (Art. 16 LCC)

14 days

Apply now → Adviser

Fixed APR 2.0% · Non-binding calculation · Subject to file acceptance pursuant to Art. 3 LCC (RS 221.214.1)

Full transparency

Indicative amortisation schedule

See how your repayments are split between principal and interest month by month. Example based on CHF 10,000 over 36 months at fixed 2% APR.

Month	Instalment	Principal repaid	Interest	Outstanding balance
1	CHF 286.41	CHF 269.74	CHF 16.67	CHF 9,730.26
2	CHF 286.41	CHF 270.19	CHF 16.22	CHF 9,460.07
3	CHF 286.41	CHF 270.64	CHF 15.77	CHF 9,189.43
6	CHF 286.41	CHF 272.00	CHF 14.41	CHF 8,377.11
12	CHF 286.41	CHF 274.72	CHF 11.69	CHF 6,673.40
18	CHF 286.41	CHF 277.49	CHF 8.92	CHF 4,935.12
24	CHF 286.41	CHF 280.30	CHF 6.11	CHF 3,161.28
36	CHF 286.41	CHF 285.93	CHF 0.48	CHF 0.00
Total		CHF 10,000.00	CHF 310.76	CHF 10,310.76

* Example for CHF 10,000 over 36 months at fixed 2.0% APR. Amounts rounded. Non-binding calculation.

Why choose our simulator?

Simple, accurate and transparent

Instant calculation

Real-time result with every slider movement. No waiting, no form to submit.

Fixed 2% APR

A single fixed rate for all credit types, all amounts, all durations. No surprises.

6 credit types

Consumer, personal, consolidation, car, home works, mortgage: adapted to every Swiss project.

Amortisation schedule

Visualise the principal/interest breakdown month by month to fully understand your credit.

Ready to take the next step?

Turn your simulation into a real application

Found the monthly payment that suits you? A dedicated adviser analyses your file and contacts you within 24 business hours.

✓No application fees
✓Decision in principle within 24 hours
✓No ZEK query for the simulation
✓14-day right of withdrawal (Art. 16 LCC)

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Questions about your simulation?

Our advisers are available Monday to Friday from 8:30 am to 6:00 pm to help you with your financing project in Switzerland.

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