Repay your loan now & save interest
You can pay off existing loans and save up to CHF 1500 in interest per year.
up to CHF 300,000
from 4.9 %
up to 120 months
quick decision
Certified since 2004
SSL data transmission
Repaying a loan brings advantages - how to save sustainably
1 Why can a loan amortisation make sense?
Interest savings
If your old loan was taken out at a higher interest rate, it is often worth switching to a current, more favourable offer.One instalment instead of many
If several financing arrangements are running in parallel, they can be bundled into a single loan. This not only saves costs, but also simplifies administration.More liquidity
Lower interest and repayment instalments mean that more money is available each month for other purposes.Adjust conditions
With a new loan, you can redefine the term, instalment amount and conditions to suit your current life situation.
2 What should you pay attention to when rescheduling?
- Check the early repayment penalty:
Before cancelling your old loan, check whether any fees or early repayment interest will be charged. These costs can reduce the total savings. - Credit rating and creditworthiness:
In order to take out a new loan from a bank (or financial services provider), you must have a good credit rating. A good credit rating usually means more favourable interest rates. - Compare offers:
We will obtain several offers for you so that you can really benefit from the best conditions. Pay attention not only to the APR, but also to any additional costs. - Flexibility of the term:
Check whether the term can be shortened without putting too much strain on your monthly instalments. A shorter term usually means lower interest costs - but you should also make sure that you can afford the instalment in the long term. - Check contract details carefully:
Read the small print so that you don't overlook any hidden fees, for example. - Consider intended use and future plans
Think about how your income situation could develop over the next few years (job change, family planning, possible investments). Plan your loan realistically accordingly.
since 2004
Benefit from our many years of credit experience and professional all-round service. Audited and certified Swiss company with cantonal licence.
Optimal offer
Our credit offers are completely free of charge for you. We take the time and look for you the Optimal credit offer with the best conditions.
Well advised
You will receive free and qualified advice from our Credit experts. With us, you are at the forefront, both online and in person, just the way you want it.
online credit Support: 365 days / 24 available
Tel. 062 823 08 03
Hotline (local rate)
Contact form
Write to us
Frequently asked questions
All answers at a glance
Customer reviews
What our customers say?
How does credit work ?
Take a look at our explanatory video.
bestfinance.ch
Quickly
Secure
Fair
without obligation
Leading credit expert
Since 2004, bestfinance.ch has been the reliable and competent partner for loans for its customers and is one of the largest financial service providers in Switzerland.
Swiss online loan comparison
We compare and find the best loan offer. Quickly, discreetly and cheaply.
reputable credit services
All services are 100 % free of charge. We do not charge any fees or advance payments!
FAQ Loan Redemption
Frequently asked questions and answers
According to the Consumer Credit Act (KKG), the repayment of a loan is basically free of charge for you. As a customer, you can therefore terminate your existing consumer loan early at any time without having to pay further instalments. In fact, all providers accept this.
In practice, however, rescheduling or repaying a loan is not completely free of charge. This is because the new lender usually requires a so-called final statement from your current credit institution - and this usually incurs additional costs. Although this does not amount to CHF 1,000 or more, the amount of this compensation is always between CHF 100 and CHF 200, depending on the case. Depending on the provider, this fee is charged as a lump sum to compensate for the final settlement or is based on the amount and term of the current loan or remaining debt.
With the current low interest rates, it is worthwhile to pay off your old loan early.
A loan redemption or rescheduling refers to the repayment of one or more existing loans by concluding a new loan agreement. The remaining debt is taken over by a more favourable loan.
As a rule, the new and cheaper loan is taken out with a new bank.
Repay your loan & save
Representative calculation example:
CHF 10,000 12-month term:
The interest (total cost) is between CHF 314 and CHF 625.
Effective interest rate 5.9% - 11.95%
The instalment is between CHF 859 and CHF 886 per month.
No processing fees: CHF 0
Credit terms from 6 -120 months.
The granting of credit is prohibited if it leads to over-indebtedness (art. 3 LCD).