Debt consolidation and credit merging loans

Compare the best debt consolidation loan offers

Do you have a loan with a higher than average interest rate, or several loans that you want to group together? Then debt consolidation, or credit merging, is the right solution for you. If you have taken out one or more consumer loans, you can buy them back without penalty and thus choose a new and probably cheaper loan from the list of debt consolidation offers we have compared below.


Credit repurchase criteria


CHF 10'000

36 months
Last updated: Sep 21, 2020
Rank Company Overview Rate Monthly payment Link
1 Logo bob Finance Ltd. Credit Repurchase
Loan from CHF 1'000 to CHF 80'000
Loan interest rate from 4.9% to 9.9%
Repayment between 6 and 120 months
Rate
4.9 %
Monthly payment
CHF 298.75
bob.ch
2 Logo Cembra Money Bank Ltd. Debt consolidation
Loan from CHF 1'000 to CHF 250'000
Loan interest rate from 7.95% to 9.95%
Repayment between 12 and 72 months
Rate
7.95 %
Monthly payment
CHF 311.85
cembra.ch
3 Logo Bank-now Ltd. Debt consolidation
Loan from CHF 1'000 to CHF 250'000
Loan interest rate from 7.9% to 9.9%
Repayment between 6 and 84 months
Rate
7.9 %
Monthly payment
CHF 311.65
credit-now.ch
4 Logo eny Finance Ltd Redeem loan
Loan from CHF 1'000 to CHF 120'000
Loan interest rate from 4.5% to 9.9%
Repayment between 6 and 84 months
Rate
4.5 %
Monthly payment
CHF 297.05
enycredit.ch
5 Logo Migros Bank AG Credit transfer
Loan from CHF 1'000 to CHF 100'000
Loan interest rate from 4.7% to 5.9%
Repayment between 6 and 84 months
Rate
4.7 %
Monthly payment
CHF 297.90
migrosbank.ch

What's a debt consolidation loan ?

Credit repurchase, or debt consolidation, enables several loans (such as leasing, credit cards, private loans, etc.) to be combined into a single loan, usually with a lower interest rate. Credit repurchase also makes it possible to change the monthly payments, and thus the repayment period, of one or more loans. It is an advantageous solution that allows you to have only one monthly payment to pay back all your loans. In addition, the Swiss law on consumer credit facilitates this type of operation in the event of early repayment. In this case, you are entitled to interest rebate and to a fair reduction of the charges for the unused term of the loan.

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