The term “microloan” denotes a relatively small loan. The exact sizes of loans which are categorized as microloans vary from country to country and between loan types and lenders. In Switzerland, loans with a principal of just a few thousand Swiss francs are classified as microloans.

Microloans worth less than 500 francs do not fall under Swiss consumer credit laws and are not subject to limitations on interest rates.

So called “kiosk loans” which do not fall under consumer credit law because the loan amount or loan term is too small are heavily-discussed topic in Switzerland.

Performing an unbiased comparison before getting a microloan is recommended because there can be major differences in the interest charged by different lenders.

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Expert Benjamin Manz
Benjamin Manz is CEO of moneyland.ch and an independent expert on banking and finance.