Free tool · No commitment · No registration
Free Credit Simulator
in € for Europe
Calculate your monthly payment in € in seconds. Personal loan, consumer credit or debt consolidation — get a realistic estimate tailored to your project.
€ Credit Calculator
Estimated monthly payment
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per month (€)
Total cost
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Cost of credit
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Indicative APR
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Non-contractual calculation · Indicative APR: 2.5% · Max. legal rate CH: 12% (CCA, RS 221.214.1)
Apply now — Free & no commitment →Preliminary response within 24 business hours
How the simulator works
Our simulator calculates your estimated monthly payment based on your desired amount, term and an indicative annual percentage rate (APR) of 2.5%. The calculation uses the standard amortisation formula used by Swiss financial institutions.
The result is indicative and non-contractual. The actual rate offered depends on your personal situation (income, expenses, credit history).
Swiss legal framework
- Maximum legal rate: 12% per year (CCA, RS 221.214.1)
- Maximum CCA term: 84 months (7 years)
- Amounts above € 80,000: governed by the Code of Obligations
- Mandatory 14-day withdrawal right (art. 16 CCA)
- Creditworthiness verification required (art. 28 CCA)
Example calculations in €
| Amount | Term | Monthly payment* |
|---|---|---|
| 10,000 € | 36 months | ~300 € |
| 20,000 € | 60 months | ~375 € |
| 50,000 € | 84 months | ~711 € |
| 80,000 € | 84 months | ~1,137 € |
*Indicative at 2.5% APR. Subject to file acceptance.
Ready to apply?
Our secure form takes just 5 minutes. Preliminary response within 24 business hours. No impact on your credit file.
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