Online loan calculator Switzerland ✓ From 4.4% - Mutuo AG

Obtain your desired
loan with

Mutuo AG

Loan calculator Mutuo AG
Your flexible personal loan e.g.:

Loan amount
loan calculator 3’000
calculate credit 350’000
Time period in months
Monthly rate in CHF 801

Interest : starting from 4.4%

Total cost: starting from CHF 3’799 Processing fee: CHF 0

A loan is prohibited if it leads to over-indebtedness
(pursuant to statutory statement, Article 3 UC). See a representative example here.

starting at4.4%

  • Now from 6 – 120 monthly rates
  • Fair, safe and confidential
  • No processing fees
  • Nonbinding offer
  • Early repayment and interest rate insurance upon request
  • calculate loan Save cash thanks to favorable interest rates

  • online calculator credit Little effort: we will manage everything for you for free.

  • online loan calculator Mutuo AG for over 30 years and over 44764 satisfied clients

Save on interest through refinancing

Refinance your loan and save up to 35% on expenses

loan save on interest

Despite active credits you have the possibility to take out a loan at the Mutuo AG. With this more favorable loan you will be able to refinance your existing loans. In this way you will only pay one lower monthly installment and thereby save money.

We take over everything (outstanding loans, debts through credit cards, leasing etc.) and you only pay our lower rate.

Your personal loan in only four steps

  • loan calculator

    You calculate your requested loan with our online loan calculator and complete our nonbinding loan application.

  • credit calculator

    Based on your indications you will receive your provisional decision in a max. of 24h.

  • calculator loan

    You send us your documents by email, post, fax or WhatsApp and we will establish your loan agreement based on these.

  • calculation loan

    You sign the loan agreement and receive the money on your account (once the revocation period has passed).

Our recommendation: Send us the necessary documents
(identity card and pay slip) as soon as possible in order to receive a precise offer.

Over 44764 satisfied customers


Thank you for the immediate execution and the favourable offer. Everything worked out well and quickly. I will recommend Mutuo AG right away.


The Mutuo team gave me the chance to bring my finances in order thanks to one of their loans. I’m very happy about the offer I received. Thank you very much!

Switzerland loan

Fast processing of my request. In addition, a friendly, competent and reliable service. Thank you so much for your efforts.

Mutuo AG

Credit Mutuo AG is one of the leading online loan providers in Switzerland and located in Basel. We have been operating as a financial service provider for over 30 years and above all our success comes from satisfied, loyal clients, who recommend us. We are happy about your visit in our branch office or call to attend to you personally. Use our online loan calculator in order to calculate your optimal monthly installment and benefit from an easy and efficient processing of your online loan inquiry with the best terms.

  • Stop by our branch!
    Mutuo AG
    Clarastrasse 19
  • Mo.-Fr. 09:00-12:30;
  • Phone
    061 681 85 50
  • Fax
    061 692 57 77
  • Show map
    Google Maps

We offer the best conditions for:

Mutuo AG Blog: Our recommendations for your loan

Interest rate insurance:
Your protection in case of unemployment, illness or accident

The insurance covers your monthly installment in the event of unemployment and incapacity of work.

Also for self-employed
workers now

loan calculator
  • Protect yourself from unexpected financial costs.
  • Avoid payment difficulties and preserve your solvency.
  • Voluntary, but advisable.
  • No medical examination necessary.

FAQ: Frequently Asked Questions About your Loan

Can I offset the loan interest against my taxes?

You can offset your interest on debt against your personal income tax. The interest statement needed for this will be automatically sent to you via e-mail at the end of the year. Feel free to contact our staff for more information.

How does the repayment of the loan work?

The personal loan is paid back by monthly rates, which stay the same (the last rates may vary).
Unscheduled payments are also possible, if you wish.
The first rate has to be paid one month after the disbursement. This loan format is also called rate loan.

Are there any fees for the completion of a loan?

No, there are no transaction or account management fees.

What kind of documents do I need to apply for a loan?

For this you need the following documents:

  • The last two pay slips for both spouses/partners
  • A copy of a valid identity card or passport
  • For foreigners we additionally need a copy of your foreigner ID.

We will contact you if any additional documents are needed, for example evidence about your living situation, health insurance, your work situation and your financial ability or about current loans.

What interest rates are offered by Mutuo AG?

Mutuo AG offers interest rates from 4.4% to 9.9%. The minimum interest is granted when the borrower is Swiss or owns the B or C permit and has a permanent employment and a good credit rating (not having been prosecuted in the last 3 years). We will always find the most favourable offer for you.

What durations and what rate amounts are offered?

The duration of your loan can be between 12 and 120 months; the rate amount is therefore flexible and individually selectable.

What loan amounts are possible for my loan?

A loan application is possible for amounts between 3’000 CHF and 350’000 CHF.
You benefit from our special customer service for big loans with amounts starting at 80’000 CHF. Therefore, it is preferable that you ask us directly via e-mail or telephone for amounts starting at 80’000 CHF.

What kind of requirements do I need to meet for a loan?

For our loans the following requirements need to be fulfilled:

  • Legal age
  • Employed or self-employed (for more than 12 months in the second case)
  • No loss certificate
  • Live in Switzerland or Liechtenstein or be a cross-border commuter

Additionally the allocation of a loan is generally dependent of your financial standing. Every loan application is reviewed individually in this context.

When will I receive the money?

You will receive the money once the revocation period of 14 days has passed, for which the date of the contract is decisive.

What is the authentication and where can I obtain it?

It concerns the “yellow identification“, which can be obtained at a post office near you.

How does the Mutuo AG calculator work?

Our loan calculator allows you to combine different credit amounts and terms within the given limits and automatically calculates the corresponding monthly rate. In this way, you can easily determine your optimal installment and apply for your dream loan.

Example calculation:
10‘000 CHF for a duration of 12 months:
The interest (total cost) is between CHF 235 and CHF 520.
The interest rate is between 4.4% – 9.9%.
The monthly rate is between CHF 853.- and CHF 868.-.
A loan is prohibited if it leads to over-indebtedness (Art. 3 UC).