Effective Loan Rate (APR)
Find the true yearly cost of a loan including upfront fees.
- Nominal annual rate
- 5.91 %
- Total cost of credit
- CHF 2'800
How it works
The effective annual rate (APR) includes fees as well as the nominal interest, so it shows the true yearly cost of a loan. The calculator solves for the rate that matches the amount you receive with the payments you make.
Learn more
Credit Cards and Overdrafts in Switzerland: Costs and Smarter Alternatives
Interest, fees and the habits that keep card debt from growing.
💳 Loans & CreditPersonal Loans: How to Compare Offers and Avoid Hidden Costs
The effective rate, fees and insurance add-ons that decide the true price.
💳 Loans & CreditConsumer Credit and Debt in Switzerland: Rules and Smart Payoff
The legal interest cap, how leasing works, and how to get out of debt.
More calculators: Loans & Credit
Loan Payment Calculator
Monthly instalment and total interest for an annuity loan.
💳 Loans & CreditConsumer Credit Interest Cap Check
Check a Swiss consumer loan against the legal maximum rate of 10 % per year.
💳 Loans & CreditCar Leasing Calculator
Estimate the monthly lease payment from price, residual value and interest.
💳 Loans & CreditCredit Card Payoff Calculator
How long does it take to clear your card balance?
💳 Loans & CreditDebt Snowball vs. Avalanche
Compare two strategies for repaying three debts with a fixed monthly budget.
💳 Loans & CreditEarly Repayment Savings
Interest saved by making a lump-sum repayment and keeping the same instalment.