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Car Credit Comparison Switzerland (November 2026)
We compare the interest rates of private credits to purchase a car, so that you can make a decision that suits your car and budget
2nd November 2026
There it is: your dream car! Finally, you found it. And you already know that you want to finance it by taking out a car credit. But hang on a minute: which bank should you choose? Who offers which interest rates and on what terms? And how much will it all cost you over the entire credit period?
You’ve got questions – Gowago has the answers. Driven by our promise of transparency, fairness and simplifying the search for your next car, we are providing you with an overview of the interest rates offered by various providers of private credits to buy a car in Switzerland – updated every month.
The differences in interest rates for car loans between different providers can be really confusing – especially since many providers do not have the same interest rate for everyone. This leads to frustration – a feeling that will spoil the excitement when you get a new car. Should you want to buy a car with a private loan, you should have the freedom to choose your financial future in peace and quiet.
Finding the right credit for your dream car should definitely not feel overwhelming. Gowago’s got your back. Our overview of the credit interest rates in Switzerland keeps things simple and clear when you are deciding on a financing provider and helps you estimate the costs of the credit.
“The differences in interest rates for car credits between the various providers can be really confusing – especially because many providers don't have uniform interest rates.”
At Gowago, we are all about making things easy for you when you want to find and finance your car. So that you can drive away without any headaches or frustration, we give you transparency, simplicity and excellent, personal expert advice. Let's go!
One interest rate. To make it easy for you.
What interest rate does Gowago offer on car credits?
So that you know exactly how much you will be spending on your car from the moment of browsing offers, we offer a standard interest rate for Gowago car credits. With many other credit providers, the interest rate for car loans varies depending on your credit history or the car you want to buy.
But at Gowago, it doesn't matter whether you're buying a used Audi, a new Skoda or a classic VW – the interest rate is set at an advantageous 5.9%. It is a guaranteed interest rate for everyone, regardless of selected car and your credit rating – if you are eligible for a credit, you will in any case receive a 5.9% interest rate for your car credit with Gowago.
That way, you get an affordable car credit, while avoiding confusion and disappointment!
Find out more about our car credit and discover the dream car that fits your budget.
Our fixed interest rate does away with confusion and makes planning easier. You know exactly how much your car credit will cost from the moment you find your dream car. With just a few clicks on our credit calculator (on the right-hand side of our offers), you can set the amount of the car loan, how much you want to pay down and the repayment period.
“But with Gowago, it doesn't matter whether you're buying a new or used car. Your financial background also has no influence on the costs – the interest rate is always 5.9%. This creates transparency and makes planning easier.”
To find out exactly what you're getting, you'll find a detailed overview of the costs and conditions of the loan under ‘Cost overview’. This means you don't have to worry about hidden costs and can focus fully on enjoying your car.
Drive your dream car with a car credit
Are you perhaps more interested in leasing? Then take a look at our interest rate comparison for the various leasing providers in Switzerland here.
Interest Rates for Car Credits in Switzerland
| Bank / Credit Institution | Interest Rate | Credit Amount | Monthly Rate* | Interest Rate Cost over 60 months |
|---|---|---|---|---|
| Gowago | 5.90% | 10'000 - 100'000 | 480 | 3’822 |
| Credit Now / Bank Now | 4.9% - 8.9% | 5'000 - 250'000 | 469 - 514 | 3'165 - 5'816 |
| PostFinance | 3.95% - 8.90% | 1'000 - 80'000 | 459 - 513 | 2’543 - 5'816 |
| Lend | 4.30% - 9.96% | 10'000 - 200'000 | 463 - 525 | 2'772 - 6'526 |
| Cashgate (Cembra) | 3.9% - 9.9% | 1'000 - 250'000 | 459 - 525 | 2'511 - 6'486 |
| Credaris | 4.7% - 9.95% | 1'000 - 250'000 | 467 - 525 | 3'020 - 6’521 |
| Raiffeisen (Cembra) | 5.95% - 9.95% | 1'000 - 250'000 | 480 - 525 | 3’854 - 6’521 |
| bob | 4.7% - 9.9% | 3'000 - 80'000 | 467 - 525 | 3’032 - 6’500 |
| Cembra | 5.95% - 9.95% | 1'000 - 250'000 | 481 - 525 | 3'856 - 6'520 |
| ecash | 4.5% - 9.9% | 5'000 - 80'000 | 465 - 525 | 2'965 - 6485 |
*calculated with a credit amount of CHF 25'000 over a period of 60 months
Why are interest rates variable with other providers?
Gowago makes it easy for you and offers a standard interest rate. In contrast, many other providers work with variable interest rates. This means that you only find out how high the interest rate will actually be for you once you have submitted your application and disclosed all your personal information.
But why is that? With these providers, the interest rate is determined by your car and your personal finances. With the car, the purchase price or value and age contribute to determining the interest rate.
“Many other providers work with variable interest rates. The interest rate you receive depends on the car you want and your financial situation.”
Several factors are taken into account when assessing your personal financial situation. For example, if you already have other personal loans or a lease in your name, the interest rate will change and can be increased. If you own your own home or have other significant assets, the bank will set the interest rate slightly lower.
The bank does this to assess and offset the financial risk that lending the money to you constitutes. How exactly the interest rate is calculated in each case is often not really transparent to the public.
Our mission: a simple and enjoyable way to your next car – whether with a car credit or leasing
Like you, Gowago is fed up with complicated pricing, hidden fees and nasty surprises. That's why we offer the exact opposite: instantly calculated, reliable prices, clear and direct communication about the terms and conditions, and customisable, fair contracts.
What's more, our digital check-out process is very efficient, and you can conveniently submit your application from anywhere – it’s online, after all. This means you can relax and enjoy your new car without any worries – as proven by our 1000+ reviews on Google!
Ready to hit the road in your new car? Then have a look at our offers. Move on and let's go!
