Online Loan Switzerland

Are you looking for a reliable financing option in Switzerland? Then the financial experts at Miro Kredit AG are the right people for you! With us, you not only receive customized financing but also the opportunity to decide for yourself what you want to use the personal loan for. Miro Kredit AG offers you the flexibility to achieve your financial goals. With attractive conditions and flexible terms, the Miro Online Loan is a tailor-made financing solution.

Online loan Switzerland ➤ Apply for a loan with Miro Kredit AG

Take out a loan with Miro Kredit AG

Whether you need a car loan, a renovation loan or a personal loan for free disposal – the online loan from Miro Kredit AG is characterized by its uncomplicated application and fast processing. Thanks to our many years of experience, we have been in business since 1978, and transparency and competence are our top priorities.

If you would like to apply for a loan, you can use our free and non-binding loan calculator, which will provide you with precise information about the interest rate you can expect for your desired loan amount and your chosen term. Our goal at Miro Kredit is always to find the most advantageous online loan for you! You also have the option of choosing installment protection. In this way, you can ensure that you are optimally covered in the event of an accident, illness, or disability and do not have to worry about repayment.

Miro Kredit AG enables you to finance your wishes with an online loan in the range of CHF 2,000 to CHF 150,000. We guarantee fast processing so that you will receive a credit decision from us within two working days of your online loan application. Our loan offers are completely free of charge and non-binding. The only costs you bear are the usual credit costs as part of the agreed monthly loan installments of the online loan.

The advantages of an online loan

Why should you opt for an online loan from Miro Kredit AG? The answer lies in the numerous advantages that this modern financing method offers.

Convenient online application

Getting a personal loan has never been so easy. With Miro Kredit AG, you can apply for your loan online from the comfort of your own home. This saves you a trip to the bank branch and you can do everything you need for the loan with just a few clicks from your computer or smartphone. This gives you the opportunity to find out about the conditions at your leisure – without any stress. You can also easily submit your documents online.

This user-friendliness is one of the most outstanding features of the online loan. The entire process, from application to approval, is deliberately designed to be user-friendly to make it as convenient and easy as possible for you to apply for a personal loan. Compared to traditional loan procedures, which often require you to visit a bank branch in person, online comparison platforms like Miro Kredit AG offer you the opportunity to do everything in the comfort of your own home.

Fast and discreet processing

Time is often a decisive factor, especially when it comes to financial matters. Miro Kredit AG therefore attaches great importance to processing your loan application quickly and discreetly. In this way, you will quickly receive certainty about your financing options.

Accelerated online credit approval enables efficient processing of the entire procedure and leads to faster availability of the loan, which brings considerable benefits for you as a borrower. From the identity check to the credit check to the credit decision, the processing of your loan application is completely efficient. This allows us to ensure that you receive your money as quickly as possible. An online loan can therefore be the perfect choice for you, especially in emergency situations or when you urgently need capital.

Favorable interest rates and low fees

Interest rates play a decisive role in online loans. That’s why Miro Kredit AG not only offers you favorable interest rates, but also a transparent fee structure. This means you always have an overview of your financial obligations.

A low interest rate on an online loan leads to a reduction in interest costs over the term of your personal loan. This allows you to repay the loan amount faster and reduce the overall cost of the loan. Compared to traditional bank loans, which often have higher interest rates, online loan providers such as Miro Kredit AG offer you numerous financial advantages. With us, you benefit from a favorable effective annual interest rate of between 4.5 and 11.95 percent.

What’s more, you don’t have to pay any processing fees with Miro Kredit AG. So you only pay for the loan itself, without having to worry about additional fees or costs.


Requirements for taking out a loan

Whether you need a loan for furniture, a loan for a new car, or an urgent cash injection – we at Miro Kredit AG attach great importance to offering you transparent and fair financing. To ensure that this is the case and that your online loan application is successful, you must meet certain requirements in order to successfully take out a loan.

  1. Minimum age: To be able to apply for a loan, you must be at least 18 years old and therefore have full legal capacity.
  2. Credit rating: Anyone wishing to take out a loan must also have a good credit rating. Lending is prohibited if it leads to over-indebtedness. For your financial protection, we therefore want to ensure that you have a good credit rating and carry out a corresponding credit check.
  3. Regular income: A stable, monthly income is also crucial if you want to take out a loan. In this way, the bank ensures that you are financially liquid and can pay the monthly installment without any problems. This is not only for our protection but also for yours, to protect you from financial bottlenecks.
  4. Documents: Finally, we need important documents from you that prove your identity and creditworthiness. This includes proof of identity. If you are a Swiss citizen, your passport is sufficient. If you are a foreign national, you will need a residence permit B or C. In addition, you will usually need to submit your last three payslips and bank statements to verify your solvency.

However, please note that the exact conditions and document requirements may vary depending on the type of loan you require. At Miro Kredit AG, competent financial experts are available to guide you through the application process and ensure that your financing solution best suits your needs.

The most important facts about Swiss credit

A Swiss loan enables you to finance both planned and unforeseen expenses or to make extraordinary purchases. You can also use a Swiss loan to bridge financial bottlenecks. Miro Kredit AG always strives to offer you the best and most favorable financing solution.

To protect your financial health, all personal loans in Switzerland are regulated by the Federal Consumer Credit Act. The aim of this law is to prevent you from overstretching yourself financially and becoming overindebted. The Central Credit Information Office plays an important role in this by checking information about your financial circumstances. If the check is successful, you will receive your personal loan in your account within a few days.

However, payment can only be made after the 14-day withdrawal period has expired. If you need your money urgently and immediately, you can avoid this deadline by taking out a personal loan of over CHF 80,000.

Are online loans safe?

The security of online loans is a legitimate concern that many borrowers have. However, you don’t have to worry about the security of online loans. When you have a reputable and established partner like Miro Kredit AG on your side, your security is paramount. Modern encryption technologies and strict security protocols ensure the protection of your sensitive data throughout the online application process.

However, there are other loan providers – especially those that advertise loans with a poor credit rating. You should exercise caution here, as they are often dubious and therefore not trustworthy lenders.

Is it easier to get an online loan than a conventional loan?

In many cases, taking out an online loan offers the advantage of faster and less complicated processing compared to traditional loans. Traditional loan procedures, which often require a trip to the bank branch and extensive paperwork, can be time-consuming. Online loans, on the other hand, allow you to complete the entire application process from the comfort of your own home. Miro Kredit AG offers you particularly simple and fast processing.

Nevertheless, you should know that our requirements for a personal loan are the same as for a conventional loan. Banks and lenders attach particular importance to your financial security and therefore carry out an extensive credit check. In this way, the lending bank wants to protect you from over-indebtedness and ensure that you do not get into financial difficulties by taking out a loan.


  • Can I take out a loan in Switzerland as a German?

    Yes, as a German citizen, you can also take out a loan in Switzerland. However, you will need a corresponding residence permit and a place of residence in Switzerland.

  • When can you get a loan in Switzerland?

    To obtain a loan in Switzerland, you must have sufficient creditworthiness and regular income. It does not matter whether your income comes from self-employment or employment. We at Miro Kredit AG will check your details in your online application and make you an offer within a very short time.

  • Can I borrow money from PayPal?

    The option of borrowing money from PayPal is generally only open to companies. This means you can secure a PayPal business loan with your business account. If, on the other hand, you need a personal loan, Miro Kredit AG is your first port of call. We will provide you with expert advice and offer you customized financing solutions.

  • How do I get money if I can’t get a loan?

    If you are unable to obtain a loan due to a poor credit rating or lack of income, it is unfortunately not possible to grant you a loan. In this case, the only option is to take out a private loan from friends, family or acquaintances.

Miro Kredit Swiss - Conclusion

Conclusion Online credit from Miro Kredit AG: Efficient – Uncomplicated – Discreet

The online loan from Miro Kredit AG offers an efficient, uncomplicated, and discreet financing solution for your financial affairs. Regardless of what you want to use the loan for – we offer you individual and tailor-made financing solutions and loans that are particularly quick and easy to apply for. Use our non-binding loan calculator now and get your personal loan offer!

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)