budgetcredit.ch
0800 55 55 00
5.0 on Google · 800+ customer reviews
Your budget. Your possibilities.

Find out in minutes which loan fits your budget.

Free and non-binding. Loans from CHF 1,000 to CHF 250,000, with effective annual interest from 4.5%, depending on your creditworthiness.

  • Free & non-binding
  • Cantonal licence
  • Personal advice

Non-binding estimate, not a loan approval

Loan calculator

from4.5%annual interest
CHF
CHF 1’000CHF 250’000
Loan protection
Monthly payment4.5–9.95% effective annual interest rate
A simple way to see the whole picture

Three clear steps.

01

Enter your budget

Enter your income and main expenses.

02

Calculate borrowing capacity

See straight away what amount could fit your budget.

03

Request a personal offer

Continue without obligation to the short application or personal advice.

4,5–9,95 %

Effective annual interest rate, depending on your creditworthiness.

You stay in control

You can edit your details at any time.

Personal support

Non-binding advice on your options.

Personal. Independent. Here for you.

Reasons to trust us

Canton of Zurich – Office for Economy and Labour

Cantonal authorisation for credit brokerage

budgetgroup.ch GmbH holds cantonal authorisation for credit brokerage.

View company details

What our customers say

Selected customer reviews in their original language, from budgetcredit.ch.

5.0 on Google – more than 800 customer reviews
Read reviews on Google ↗
Personale serio e affidabile. E la terza volta che mi affido a loro e mi sono sempre trovato bene. Lo consiglio.
Daniel
We worked with Damir for our credit and he was absolutely fantastic. Extremely knowledgeable, incredibly quick, and very efficient. He made everything easy and stress-free.
Mikaela
Ich bin sehr zufrieden. Alles wurde sehr schön und verständlich erklärt. Vielen Dank für die schnelle und professionelle Hilfe!
Mikii
Sehr professioneller und ruhiger Service. Merlina hat mir alle Optionen verständlich erklärt und die beste Lösung gefunden. Der ganze Prozess war schnell und unkompliziert.
Petrit
Alles super und unkompliziert abgelaufen, sehr nettes Personal. Hatte mit Damir einen sehr guten Berater. Bei Fragen bekam ich sehr schnell eine Antwort.
Michael
Persone eccellenti, gentili, affidabili e molto professionali. Tutto perfetto, consiglio questa azienda a tutti.
Gianluca
Agenzia super efficiente, veloce e chiara. La consulente mi ha seguito in modo eccellente in ogni fase.
Andre
Ich war sehr zufrieden mit dem Service und der Hilfe! Kann ich nur weiterempfehlen. Vielen Dank, Damir, für deine Bemühungen.
Natascha
Très bien
Rizwan
Two people discuss their household budget at the kitchen table.
Illustrative image
Confidence starts with a clear overview

What really fits
your monthly budget?

Rent, health insurance, everyday costs: your budget is more than a loan payment. A few details show what remains for financing after your main expenses.

You can change amounts and compare different terms at any time.

Calculate your financing range
Digital assistance

Daria – your digital budget assistant

Personal, digital and easy to understand.

Daria guides you through your budget step by step, answers your questions and helps you find financing that fits. You can get started at any time.

  • Approachable
  • Trustworthy
  • Easy to remember

You can pause, correct details or continue in writing at any time. Your personal offer follows a review by our advisers.

Hello! I’m Daria, Budgetcredit’s AI assistant. I’m happy to help!

Click to start the conversation.

Good to know

Your questions.
Clearly answered.

More questions? We are here to help.

0800 55 55 00
Why is an interest rate range shown?

Your rate depends on your creditworthiness and the offer. The detailed example uses 4.5%. You can also see the instalment at 9.95% for comparison.

Does the budget calculation mean my loan is approved?

The overview helps you plan. The lender carries out the final affordability assessment and determines your terms.

Why does my canton of residence matter?

We use the cantonal basic allowances for your household. This estimate is provisional. Our advisers will check outstanding taxes and additional expenses, which may reduce the amount.

What does the 36-month assessment mean?

For loans subject to the relevant Swiss Consumer Credit Act assessment, repayment must be mathematically possible within 36 months. This also applies to longer contractual terms. A lower monthly payment alone is therefore not enough.

Can I change my details later?

Yes. You can correct your details and recalculate the overview at any time.

The Budgetcredit team
We are Budgetcredit

People who are here for you.

Our credit specialists advise you personally in several languages. We also welcome you at our office in Winterthur.

budgetgroup.ch GmbH
Untertor 8 · 8400 Winterthur
0800 55 55 00Meet our teamWhatsApp
Privacy and legal noticeFree assessment without obligation
budgetcredit.ch
Personal. Independent. Here for you.

budgetgroup.ch GmbH · Untertor 8 · 8400 Winterthur

0800 55 55 00

Effective annual interest: 4.5–9.95%, depending on your creditworthiness. Terms: 6–120 months. Lending is prohibited if it leads to over-indebtedness.

For CHF 10,000 over 12 months at an effective annual rate of 4.5% to 9.95%, total interest is CHF 240.20 to CHF 523.40. Monthly instalments are rounded to the nearest CHF 0.05. Excludes optional payment protection.

budgetcreditIn conversation

Room for your possibilities

Calculate in conversation.

Your budget. Your questions. Your next step.

Connecting you …

You can interrupt, correct details or end the conversation at any time.

Privacy & legal notices ↗
You set the pace.

How we use your details.

The budget calculation takes place in your browser. Calculating does not send your details to our advisers.

Form entries are saved in this browser tab for this session and remain available after reloading. “Delete budget” removes your budget; details already included in an application remain in the application draft.

Depending on the voice connection, ElevenLabs or OpenAI processes your voice, conversation text and current form details. The conversation text is not displayed. For quality assurance, conversation texts, response times, technical events and changes to your details are stored in a restricted-access diagnostic log. It is automatically deleted after seven days; deletion runs every five minutes. Audio files are not stored. To avoid repeating details, the structured conversation state is temporarily stored in our protected database. It remains available for 20 minutes after the last update and is deleted within five minutes afterwards. Selecting “Review details” validates your application on our server. It is sent to budgetgroup.ch GmbH only after your explicit confirmation: by selecting “Send application” or, after the spoken summary, saying “Yes, send my application”. You can save the budget overview as a PDF.

Delete all details?

Your entries for budget, loan request and personal details will be removed from this browser. This cannot be undone.