- ⏱️ Free and non-binding in 2 minutes
- 🔒 100% free & non-binding
- ✔️ No contract – no obligation
Swiss
provider
Secure
Certified
Since 1980
In just a
few steps to
Refinancing
3 steps to Refinancing
1
Step 1:
Complete a non-binding
online application
& check your potential
savings in 2 min
2
Step 2:
We handle everything.
No paperwork.
After your application, we determine your outstanding balance through ZEK. The loan is settled directly by the bank.
3
Step 3:
Refinance your loan
& save every month.
Extra cash if you wish.
Easy loan refinancing in 4 steps
Apply online and receive a suitable refinancing offer
Free & non-binding – you choose the amount, term and instalment.
You may be paying too much for your loan
- Immediate assessment – quick approval
- Compare suitable offers for free
- Combine your loans easily
- Discreet & 100% non-binding
- No paperwork & no bank appointment
Calculate your potential savings
Your result in 2 minutes
We work with
the following banks
CHF
50’000
350’000 CHF
789
CHF
Get an offer now
→
Find the right loan easily
54’205 satisfied customers
with more joining every day. For over 30 years.
What our customers say about taking out a loan
Luca B.
The advice was friendly and knowledgeable. I quickly received a good loan offer and the whole process was straightforward.
Sandra K.
A very transparent process. No hidden costs, and the money was paid out faster than expected. Very happy with Mutuo.
Beat K.
Easy comparison, fair terms and friendly support. This is exactly how I imagine a modern loan process. Everything was great.
Albert M.
The application was entirely online and easy to understand. The money was paid out successfully and I was able to carry out my planned project.
4.9/5
How your loan with Mutuo works
Visit us in Basel
Personal contact, quick and easy to reach
Clarastrasse 19
4005 Basel
09:00–12:30
13:30–18:30
NEED HELP?
Our loan advisers provide personal support
by phone, email or WhatsApp.
Fast, straightforward and confidential.
FAQ: Frequently asked questions about your loan
Can I deduct the loan interest from my taxes?
How is the loan repaid?
The personal loan is repaid in equal monthly instalments (the final instalment may differ).
You can also make additional repayments if you wish.
The first instalment is due one month after the money is paid out. This type of loan is also known as an instalment loan.
Are there any fees for taking out a loan?
What documents do I need to apply for a loan?
You will need the following documents:
The last three payslips for both spouses / partners
A copy of your valid identity card or passport
For foreign nationals, we also need a copy of your residence permit
We will contact you if further supporting documents are needed, for example evidence of your housing situation, health insurance, employment and financial circumstances or existing loans.
What interest rates does Mutuo AG offer?
Mutuo AG offers interest rates from 4.5% to 9.9%. The lowest rate is available to borrowers who are Swiss citizens or hold a B or C permit, have permanent employment and a good credit standing (no debt enforcement proceedings in the last 3 years). We always find the lowest-cost offer for you.
What terms and instalment amounts are available?
Your loan term can range from 12 to 120 months, allowing you to choose an instalment amount that suits you.
What loan amounts are available?
You can apply for a loan of between 3’000 CHF and 350’000 CHF. For amounts from 80’000 CHF, you benefit from our dedicated service for large loans. For amounts from 80’000 CHF, we therefore recommend contacting us directly by email or phone.
What requirements must I meet to get a loan?
The following requirements apply to our loans:
You must be of legal age
You must be employed or have been self-employed for more than 12 months
No certificates of loss
You must live in Switzerland or Liechtenstein or be a cross-border worker
Loan approval also depends on your creditworthiness. We assess every loan application individually.
When will I receive the money?
For contracts over 80’001 CHF, there is no waiting period and the money is paid out immediately after the loan agreement has been checked.
What is a certified copy of my identity document and where can I get one?
Representative calculation example:
10‘000 CHF over a term of 12 months:
The interest (total cost) is between CHF 261.- and CHF 625.-.
Effective interest rate 4.5% – 9.9%
The monthly instalment is between CHF 855.- and CHF 885.-.
Processing fees: CHF 0
Mutuo offers loan terms of 6 -120 months.
Granting credit is prohibited if it leads to over-indebtedness. (Art. 3 UWG).
In just a few steps to
Refinancing
3 steps to Refinancing
1
Step 1:
Complete a non-binding
online application
& check your potential
savings in 2 min
2
Step 2:
We handle everything.
No paperwork.
After your application, we determine your outstanding balance through ZEK. The loan is settled directly by the bank.
3
Step 3:
Refinance your loan
& save every month.
Extra cash if you wish.
Easy loan refinancing in 4 steps
Apply online and receive a suitable refinancing offer
Free & non-binding – you choose the amount, term and instalment.
- Great interest rates
- 100% free
- Quick decision
You may be paying
too much for your loan
- Immediate assessment – quick approval
- Compare suitable offers for free
- Combine your loans easily
- Discreet & 100% non-binding
- No paperwork & no bank appointment
Calculate your potential savings
Your result in 2 minutes
We work with the following banks
54’205 satisfied customers
with more joining every day. For over 30 years.
What our customers say about taking out a loan
Sandra M.
A very transparent process. No hidden costs, and the money was paid out faster than expected. Very happy with Mutuo.
Beat K.
Easy comparison, fair terms and friendly support. This is exactly how I imagine a modern loan process.
Albert M.
The application was entirely online and easy to understand. The money was paid out successfully and I was able to carry out my planned project.
4.9/5
as of 3.2.2026
How your loan with Mutuo works
Visit us in Basel
Personal contact, quick and easy to reach
Clarastrasse 19
4005 Basel
09:00–12:30
13:30–18:30
NEED HELP?
Our loan advisers provide personal support
by phone, email or WhatsApp.
Fast, straightforward and confidential.
FAQ: Frequently asked questions about your loan
Can I deduct the loan interest from my taxes?
How is the loan repaid?
The personal loan is repaid in equal monthly instalments (the final instalment may differ).
You can also make additional repayments if you wish.
The first instalment is due one month after the money is paid out. This type of loan is also known as an instalment loan.
Are there any fees for taking out a loan?
What documents do I need to apply for a loan?
You will need the following documents:
The last three payslips for both spouses / partners
A copy of your valid identity card or passport
For foreign nationals, we also need a copy of your residence permit
We will contact you if further supporting documents are needed, for example evidence of your housing situation, health insurance, employment and financial circumstances or existing loans.
What interest rates does Mutuo AG offer?
Mutuo AG offers interest rates from 4.5% to 9.9%. The lowest rate is available to borrowers who are Swiss citizens or hold a B or C permit, have permanent employment and a good credit standing (no debt enforcement proceedings in the last 3 years). We always find the lowest-cost offer for you.
What terms and instalment amounts are available?
Your loan term can range from 12 to 120 months, allowing you to choose an instalment amount that suits you.
What loan amounts are available?
You can apply for a loan of between 3’000 CHF and 350’000 CHF. For amounts from 80’000 CHF, you benefit from our dedicated service for large loans. For amounts from 80’000 CHF, we therefore recommend contacting us directly by email or phone.
What requirements must I meet to get a loan?
The following requirements apply to our loans:
You must be of legal age
You must be employed or have been self-employed for more than 12 months
No certificates of loss
You must live in Switzerland or Liechtenstein or be a cross-border worker
Loan approval also depends on your creditworthiness. We assess every loan application individually.
When will I receive the money?
For contracts over 80’001 CHF, there is no waiting period and the money is paid out immediately after the loan agreement has been checked.
What is a certified copy of my identity document and where can I get one?
Representative calculation example:
10‘000 CHF over a term of 12 months:
The interest (total cost) is between CHF 261.- and CHF 625.-.
Effective interest rate 4.5% – 9.9%
The monthly instalment is between CHF 855.- and CHF 885.-.
Processing fees: CHF 0
Mutuo offers loan terms of 6 -120 months.
Granting credit is prohibited if it leads to over-indebtedness. (Art. 3 UWG).