Example: a loan of CHF 10’000 over 12 months. At an effective annual rate between 4.9% and 9.95%, the monthly instalment is between CHF 855.13 and CHF 876.94 and the total interest between CHF 261.53 and CHF 523.31. Terms from 12 to 84 months; maximum effective annual rate 9.95%, including all credit costs.
Granting credit is prohibited if it leads to the consumer's over-indebtedness (art. 3 UCA).