Cheap loan Switzerland

Do you have dreams and goals that you would like to fulfill, but lack the necessary financial cushion? Miro Kredit AG has been your reliable partner when it comes to taking out a favorable loan in Switzerland since 1978. Whether it’s for home renovations, further education, or car purchases – we give you uncomplicated access to cheap loans in just a few clicks. The offer adapts flexibly to your individual requirements.

With our many years of experience, expertise, and clear focus on your needs, we offer tailor-made solutions for your financial concerns!

Cheap loan Switzerland ➤ Personal loans with Miro Kredit AG

Take out a favorable loan with Miro Kredit AG

At Miro Kredit AG, we understand that every customer is unique and has individual financial requirements. Our goal is to help you realize your projects – be it renovating your home, financing your education, or realizing other life goals. With our affordable loans, we enable you to realize your plans flexibly and without high financial burdens.

Take out a personal loan online

Simple, convenient, and secure – this is how we design the process of taking out a personal loan online. Our user-friendly website allows you to submit your loan application from the comfort of your own home. Of course, we attach great importance to transparency and data protection so that you can feel secure when you take out your online loan with Miro Kredit AG.

Five steps to a loan

We know that time is often of the essence. That’s why we have made the process of taking out a loan as simple as possible. In just five steps, we accompany you from the application to the disbursement of your desired loan:

  1. Select your desired loan: In the first step, simply select your desired loan amount and the term that best suits your financial needs. You can use our free and non-binding loan calculator for this, which will show you the estimated amount of the loan installments to be paid directly.
  2. Enter your personal details: In the next step, you can enter your basic personal information so that we can process your loan application individually.
  3. Explain your professional situation: Then provide us with some information about your professional situation so that we have a comprehensive picture of your financial situation and your creditworthiness. After all, a loan should not lead to over-indebtedness.
  4. Provide additional information: You then add any further information to your loan application that we may need from you to ensure quick and uncomplicated processing.
  5. Submit your loan application: Once you have provided us with all the necessary information, all you have to do is submit your loan application. We will then check your details as quickly as possible and send you a credit decision with the most favorable credit offer within 24 hours.

Once you have received your positive credit decision and signed the loan agreement, all you have to do is wait for the 14-day withdrawal period and the money will be in your account. If you have applied for a higher loan amount of CHF 80,000 or more, you do not even have to wait for the withdrawal period, so you will receive your money within a few days of your loan application.

Desired loan with Miro Kredit AG

Regardless of whether you need a loan for a specific purpose or as a financial reserve – at Miro Kredit AG you will find the right loan for you. Our wide range of credit offers allows you to adjust both the term and the monthly loan installment to your individual needs.

We offer you flexible terms of up to 120 months and a particularly favorable effective interest rate of between 4.5 and 11.95 percent. With the Miro Kredit AG loan calculator, you can easily adjust your desired loan amount to your financial possibilities and thus obtain full transparency about the monthly installment including interest that you have to pay.

Cheap loan in Switzerland

The right loan for your needs

As a comparison platform, Miro Kredit AG not only offers you favorable loans, but also comprehensive advice to help you find the right loan for your individual needs. Our goal is to give you financial freedom and help you realize your dreams. In addition to the classic personal loan for free use, there are other loans for different needs:

  1. Renovation loan: We offer tailor-made financing solutions, especially for renovation and modernization projects for your home.
  2. Car loan: If you are dreaming of a new vehicle, we can support you with a car loan that is tailored to your financial possibilities.
  3. Training loan: Invest in your future with our training loan, which offers you financial support for training measures.
  4. Loan for furniture: Design your home according to your ideas with a furniture loan that makes it easier to finance your furnishings.

Put your trust in Miro Kredit AG as your partner for cheap loans in Switzerland – together we can make your plans possible!

The most common reasons for a personal loan

The reasons why people take out a personal loan are varied and individual. Personal wishes and life situations are often at the forefront. For example, financing larger purchases such as a car, renovations to a home, or the purchase of high-quality technical equipment are typical reasons for taking out a personal loan.

A survey in April 2017 revealed that around 49% of respondents have already taken out a car loan. However, other purchases such as furniture (13%) and electrical appliances (12%) are also common reasons for taking out a loan, according to the survey.
In addition, many people use personal loans to cope with unexpected expenses – be it in the event of medical emergencies, home repairs, or other unforeseen costs. Debt restructuring can also be a reason for taking out a personal loan. Ultimately, a personal loan offers you the flexibility to bridge financial bottlenecks and realize your individual goals.

Can foreigners also apply for a Swiss loan?

Even if you do not have Swiss citizenship, you can still apply for a Swiss loan. However, you will need a residence permit C, B, or G. If you have a C permit, this is equivalent to a Swiss passport, while you must meet additional requirements for a B permit.

If you have a G residence permit, it is also necessary that you have already been in Switzerland for a long time and have had this residence permit for some time.

In addition, your usual place of residence must also be in Switzerland. In addition, like any other borrower, you must have a stable income and be able to service the monthly loan installments.

How high are the interest rates on loans in Switzerland?

The amount of interest in Switzerland can vary depending on the credit institution, loan amount, term, and your individual creditworthiness. We at Miro Kredit AG offer you particularly favorable credit conditions. You can find a loan with us for as little as 4.5 percent interest.

To get an overview of the total costs of the loan, you can use our free and non-binding loan calculator. You can use it to adjust your desired amount and the term of your loan and receive a direct overview of the expected interest and total costs. In this way, you can optimize your financial planning and ensure that you can afford the monthly loan installments.


  • Which bank offers uncomplicated loans?

    Miro Kredit AG is characterized by its uncomplicated comparison options and offers you individual financial solutions that are tailored to your needs. With a clear focus on transparency, flexibility, and user-friendliness, we provide you with a simple and fast credit process.

  • When will interest rates fall again?

    The annual interest rate is primarily based on the current economic situation, including central bank policy, inflation rates, and global financial developments. Therefore, the question of when the annual interest rate for loans will fall again cannot be answered across the board. However, we at Miro Kredit AG are committed to always offering loans with the most favorable interest rates.

  • Which bank has the best loan?

    If you want to apply for a loan, a loan comparison is often essential to find the best and most favorable loan. As a comparison platform, Miro Kredit AG excels at providing customized loan solutions that are tailored to your individual needs. With competitive terms and a customer-centric approach, we offer an option for anyone looking for a customized and advantageous loan with low interest rates.

  • What to do if you can’t get a loan?

    If your loan application was unsuccessful, it can be helpful to analyze the reasons why. It may be due to your creditworthiness. Lending is prohibited if it leads to over-indebtedness. In order to obtain a personal loan anyway, you should improve your credit rating and reduce existing debts. Talk to our credit specialists and together we will find out what you can do to obtain a loan.

Miro Kredit Swiss - Conclusion


If you are looking for a favorable personal loan, Miro Kredit AG is the right place for you! We offer you tailor-made financing solutions for all your financial needs. What’s more, you can apply for your desired loan easily and conveniently from home, saving you both time and effort.

Whether you need a renovation loan, car loan, furniture loan, or loan for free use – we at Miro Kredit AG are your reliable partner when it comes to fulfilling your financial wishes!

Private loan calculation example:
Private loan calculation example:

Loan amount: CHF 10,000 without insurance. Repayment period: 12 months

Interest (including costs) amounts between CHF 240.50 and CHF 574.25. Effective interest rate 4.5% – 11.95%. Possible loan repayment period from 12 to 120 months

Processing fees: CHF 0.-. Granting a loan is prohibited if it leads to over-indebtedness (§ 3 Unfair Competition Law – UWG)