Example of calculation with a loan of CHF 100,000, an effective annual interest rate between 3.95% and 9.95% and a term of 12 months. This financing generates total interest between CHF 2,152.- and CHF 5,471.-. Duration: 12-120 months. Maximum annual interest rate 9.95%. The granting of credit is prohibited if it leads to over-indebtedness of the consumer (art. 3 LCD).