Updated 23.05.2024

Instalment loan agreement 

Private or business loan, with or without interest, to be repaid according to an instalment plan.

Use this contract: 

  • To grant a loan that must be repaid in regular instalments.
  • Whether the loan is interest-free, with simple or compound annual interest, or one-off interest.
  • Whether you are lending in Swiss francs or foreign currency, in any amount.
  • If you wish to impose additional guarantees and restrictions on the borrower.
  • If you wish to provide for penalties and enforcement measures in the event of late repayment.



This contract is governed by Swiss law and complies with commercial and financial regulations

Create document

Protect yourself legally as a lender with the following options: 

  • Stipulation of the conditions precedent to the granting of the loan and request for the creation of a real or personal security to guarantee repayment. 
  • Prohibition on selling significant assets, taking on debt or giving more advantageous security to third-party creditors. 
  • Obligation to regularly confirm declarations, disclose financial statements or tax returns, subject to immediate termination. 
  • Interest on arrears and reminder charges in the event of late payment, with the borrower obliged to cover any legal costs in the event of enforcement. 
  • Cancellation of the instalment plan and demand for immediate repayment in full if even one instalment is overdue. 

Safeguard your interests as a borrower by using the following clauses: 

  • Flexible calculation of simple interest with the option of a one-off or regular payment. 
  • Option to specify a single interest rate that does not depend on the term of the loan. 
  • Option to accumulate compound interest over different periods. 
  • Limitation of reminder fees. 
Create document

Prepare your legally binding instalment loan agreement with the AdminTech document generator in just a few clicks and in 5 to 10 minutes