Minimum income needed to get a loan

Here you will find the right answers

About Moneyland Forum

The forum lets you exchange knowledge on numerous topics related to money and get answers to your questions at any time. Join forum users and experts in discussions relating to banking, investment, insurance, retirement, telecom and everyday money topics.

Show categories

Please login in or sign up to participate in the forum.
  • BenutzernameMoneyland User Questions
  • Status Member
  • Registriert seit1/27/17
  • Beiträge2142

Do I need to earn a salary in order to get a loan in Switzerland? If so, how much do I have to earn in order to qualify? Are there minimum income requirements?

  • BenutzernameMoneyguru von
  • OrtSchweiz
  • Status Expert
  • Registriert seit8/4/15
  • Beiträge4016


Most Swiss lenders require that loan applicants have a minimum income in order for their loan to be approved. As a rule, an income of at least 2500 Swiss francs is required. Many lenders have higher income requirements. For example, cashgateCredit only provides its 7.9% interest loan to applicants with a monthly income of 4000 francs or more.

The comprehensive loan comparison on automatically limits results to offers which match your income. Just note that income is not the only eligibility requirement because lenders look at both your income and your expenses when deciding whether or not you can afford a loan. Even if you have a very high income, you will not likely be approved if your expenses consume all or most of your income.

More on this topic:
Interactive loan comparison
Getting a loan in Switzerland: Criteria
Loan calculator
Refinancing a loan