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Revolving Credit

The term “revolving credit” or “revolving loan” refers to a type of loan which can be accessed repeatedly by a borrower in varying quantities (within the confines of a line of credit). The borrowed assets are repaid, either in part or in full, on an ongoing basis.

Standard loans, on the contrary, must be settled via a series of regular repayments. Revolving loans do not have a fixed repayment schedule.

In Switzerland, revolving loans can be accessed using credit cards (including store cards), current accounts and overdraft loans.

Some Swiss lenders offer personal loans with no fixed loan term and no fixed repayment schedule (a minimum regular repayment is generally required). These are also a form of revolving credit.

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

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