New in Switzerland - Can I Get a Loan?

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  • BenutzernameMoneyland User Questions
  • Status Member
  • Registriert seit1/27/17
  • Beiträge2142


I need/want to get a loan but I have only lived in Switzerland since September 2017. Would I be able to get a loan as a relative newcomer?


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

Hi there,

As a general rule, Swiss lenders offer loans to individuals who hold B or C residence permits and have been resident in Switzerland for at least 1 year. The waiting period allows prospective borrowers to build a credit history in Switzerland (by not obtaining negative ZEK or debt collection register entries, for example).

There are exceptions to this rule and you could consider speaking to a bank representative and explaining your situation.

Best regards from Moneyguru

More on this topic:
Swiss personal loan comparison