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The advantages of FINROX private loan

With the FINROX personal loan you increase your financial flexibility. Thanks to low and constant monthly installments you have the greatest possible planning ability.

Personal loan conditions

Here you can find out more about the personal loan conditions – open and transparent.

Loan amounts

The loan amounts range from CHF 1’000 to 250’000 – for your small and big plans. On request, we can also advise you on larger amounts.


You can choose between durations of 6 to 120 months. This allows you to flexibly structure your monthly loan installments according to your needs.

Interest rate

The effective annual interest rate varies between 4.9% and 9.9% depending on the market situation throughout the entire loan duration.


Monthly repayment by fixed installments. Early repayment is possible at any time free of charge (without penalty payments).

Eligibility criteria

Lending is targeted at working private individuals in Switzerland who are of full age. Regular income and a positive payment experience are required.


You can optionally insure your monthly installments in case of illness, accident or unemployment
(see Payment Protection Insurance). The residual debt risk in case of death is included.

Frequently asked questions

Can I change an existing loan to FINROX?

We are happy to check the current loan conditions for you, without obligation and free of charge. Often our customers pay too much to third-party providers. A loan replacement is almost always worthwhile and is free of charge, because we take care of the administration for you.

Here you can have a loan replacement checked.

Can I repay the loan earlier?

Ja. Eine frühzeitige Kreditrückzahlung ist jederzeit möglich – ohne zusätzliche Kosten. Für die verbleibende Kreditdauer fallen keine Zinsen mehr an.

Eine frühzeitige Kreditrückzahlung kommt immer wieder vor, wenn sich Ihre finanzielle Situation ändert und Sie z.B. einen Bonus erhalten oder durch Erbe oder Schenkung im Familien- und Bekanntenkreis zu zusätzlichen finanziellen Mitteln kommen.

When is a credit inquiry advisable?

This depends on your current and individual situation. We can do a free, non-binding loan check for you and advise you on your options.

Please note the following points:

  • Banks are obliged to register loan applications with the Central Office for Loan Information (ZEK)
  • All banks query ZEK to check current loans or open loan requests
  • Too many open loan requests can have a bad effect on your loan conditions!

Therefore we recommend to first make a free and non-binding loan check with FINROX.