Example of calculation with a loan of CHF 10,000, an effective annual interest rate between 3.9% and 9.95% and a term of 12 months. This financing generates total interest between CHF 318 and CHF 524. Duration: 6-84 months; Maximum annual interest rate 9.95%. The granting of a credit is prohibited, if it leads to over-indebtedness of the consumer (art. 3 LCD).