Consumer Loan, Flexible & Transparent
Whether a new vehicle, modern electronics, or financing a move, with the 123CREDIT consumer loan, you quickly get additional financial flexibility.
Apply for a Consumer Loan Online
Desired Amount
You decide the loan amount you need. It's advisable to include an appropriate financial buffer in your planning to stay flexible for unexpected additional costs.
Term
You determine the repayment period. A longer term reduces the monthly burden and creates additional budget flexibility.
Personal Details
For the legally required credit check, we need some basic personal information. Based on this data, you'll receive an individual offer with your personal interest rate.
Attractive Interest Rates and Transparent Conditions
123CREDIT stands for fair interest rates and clear fee structures. Our goal is to create financial freedom, not additional burdens.
After a positive review, the loan agreement can be concluded within a few days. This way, you quickly receive the funds you need for your purchases or projects.
Important Information About Consumer Loans
A consumer loan is used by individuals to finance goods or services. Examples include:
Mortgages or business loans are not considered consumer loans.
Legal Protection
In Switzerland, consumer loans are subject to the Consumer Credit Act (KKG). This regulates maximum permissible interest rates, contract contents, and borrowers' rights during the term. This provides you with additional legal protection.
Secure Your Financial Flexibility Now
Effective annual interest rate: 4.7%–9.95%. Representative example: Loan amount CHF 10,000, term 48 months, effective annual interest rate 7.9%, monthly instalment CHF 242.05, total cost CHF 11,618.40. Interest rates from 4.7% for homeowners. 123CREDIT GmbH is a licensed credit broker (not a lender) under the Consumer Credit Act (KKG).