Apply for an online loan in Switzerland

1. What is an online loan?

An online loan is not a separate loan product, but a digital route to the agreement. The application, documents and agreement are handled online; this does not change the requirements for the assessment.

eny reviews every application. For loans subject to the Consumer Credit Act (KKG), the assessment of ability to repay is required by law. Loans above CHF 80,000 generally fall outside the scope of the KKG; even for such applications, however, a full internal credit assessment is carried out.

2. How does the application proceed step by step?

Step	What happens	What you do	Duration
1	Application	Enter amount, term and details on your person, employment and budget	online
2	Provisional decision	Automated first assessment based on your details	usually around 3 minutes
3	Documents	Submit the required evidence digitally	depends on your availability
4	Final assessment	Details, ability to repay and creditworthiness are assessed; where required, with inquiries at ZEK and IKO	once the file is complete
5	Offer	Individual annual percentage rate, monthly instalment and total cost are disclosed in writing	after a positive assessment
6	Agreement	You sign if you wish to accept the offer	—
7	Withdrawal and payout	For KKG contracts, the statutory withdrawal period applies. Payout follows the final decision and the agreed process.	withdrawal period: 14 days from receipt of the copy of the contract

The application is non-binding until signature. There is no deadline from our side by which you must decide.

3. Which documents do you need?

Have these documents ready as a file or photo, and it will go through in one pass:

• official identity document (identity card, passport) or residence permit B or C
• the current salary statements requested in the application
• details on rent, health insurance and other fixed expenses
• for existing loans or leasing agreements: the agreement or a balance statement
• IBAN of the account to which the payout should be made

We only ask for what is required for the assessment. Details on the intended use are not among these — the consumer loan is not tied to a specific purpose.

4. How long does it take until payout?

The provisional credit decision after around 3 minutes says nothing about when money will be paid out. Before a payout, the file must be fully assessed, the loan finally approved and the agreement concluded.

For a loan subject to the KKG, the withdrawal period is 14 days from receipt of the copy of the contract. The specific payout timeframe is disclosed in the offer or during the application process.

5. What terms apply?

Feature	Value
Loan amount	CHF 1,000 – CHF 250,000
Term	6 – 120 months
Annual percentage rate	4.90 % – 9.90 %, depending on creditworthiness
Statutory maximum rate, cash loan	10 % annual percentage rate, since 1.1.2026
Monthly instalment	fixed over the term
Early repayment	possible at any time for KKG contracts
Withdrawal period	14 days from receipt of the copy of the contract for KKG contracts
Purpose	free, no disclosure needed
Application cost	none; the application is free of charge and non-binding

The assessment determines which rate within the range applies. If you want to compare your rate against another offer: Loan comparison — determine your savings potential. If you just want to know the instalment for an amount: Loan calculator.

6. What is different about the digital application compared with the counter?

• Identification — carried out digitally using your identity documents.
• Signature — the agreement is signed electronically.
• Documents — uploaded instead of on paper.
• Overview during the term — you can view documents and the loan balance at any time in eny Control.

Your details are transmitted encrypted. The application itself is completed on a separate, secured host, as is the customer area for current agreements.

7. What requirements must you meet?

In brief: residence in Switzerland, employment as an employee, Swiss citizenship or residence permit B or C, of legal age. Applications from self-employed persons, persons without earned income, and corporate loans are not possible.

The complete list with exclusions is on the overview page: Who can apply for a loan with eny Credit.

8. What rights do you have after conclusion?

• Withdrawal for KKG contracts — within 14 days, in writing and without giving reasons. The period begins on receipt of the copy of the contract.
• Early repayment for KKG contracts — at any time, in full or in part. Interest is waived for the unused loan term and the corresponding costs are reduced appropriately.
• Entitlement to the contractual details — annual percentage rate, monthly instalment, total cost and term are set out in writing before signature.
• Protection against over-indebtedness — the assessment of ability to repay is the lender’s obligation.

If your situation changes during the term, get in touch early. Adjusting the instalment is easier than falling into arrears.