For those who cure the joyful details of life

we have been there
Financial stress, limited funds, and uncertainty about credit options can hold you back from realizing your dreams and leave you feeling helpless and defeated.
That’s something you shouldn’t accept.
eny-smart is
designed to put a
eny-smart is designed to put a
checkmark in your wishlist... with a fearless smile!
Buy with confidence.
Experience better support. Despite the credit size, you will receive comprehensive assistance from our team. We will be there for you every step of the way: before, during, and after your credit with us.
how it works
Request your credit online
Take advantage of our coaching path
Sign the contract
After two weeks you will recive the credit
Follow your dreams
With its short-term solution for relatively small purchases, eny-smart offers a safe and straightforward way to achieve your goals and live life to the fullest.
Earn financial confidence
With the expert advice provided by eny-smart, you can make informed decisions about your finances and take control of your financial future.
Tackle financial stress
Say goodbye to financial stress and hello to peace of mind with expert advices.  With their support, you can tackle financial stress head on and confidently move towards safe investments.
endless possibilities
Seize the day and make your dreams a reality without delay.
learn +
learn -
Boost your confidence in the finance world. Learn from us and build your way to a more secure financial future.
learn +
learn -
Take charge of your future by buying with confidence. Secure your finance without worrying about it
learn +
learn -
how are our clients doing?
The educational resources and personalized support gave me the financial knowledge and confidence I needed to make smart financial decisions for the future.
Mark Johnson
CEO of Johnson’s
All conversations with Eny were highly personal and also always very competent - they really gave me great support and advice.
Owner of Full Send Bike
If you're finally looking for a company that doesn't just treat you like a number, look no further than Eny.
Robert Mayer
Owner of Schöner Leben
Give up dreams or face financial stress. The choice is yours...
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Why: For what reasons is eny Finance the ideal partner for me?
  • Our online offer is fast, flexible, simple and inexpensive.
  • We focus on your needs and find individually suitable solutions.
  • With your personal online tool eny Control you can manage your loans easily, anytime and anywhere.
  • Our price-performance ratio is unbeatable. Tip: You can compare your credit and switch to us at any time.
Where: Are eny Finance products only available online?
Yes. We are 100% online:
How much: Is the interest rate for the eny Credit personal loan cheaper than that of competitors?
With us, you benefit from the best price-performance ratio because our offer is 100% online.

Less administrative work, lean structures and short communication channels are reflected positively in the price.

If you already have a loan or a credit card: You can compare your credit at any time, switch to us and save month after month.
Submit an application: How do I apply for the eny Credit personal loan?

It's quick and easy to do online - in 5 steps:‍

1. Define the loan amount (from CHF 1'000 to CHF 120'000)

2. Enter personal data (address, date of birth, etc.)

3. Declare income (regular monthly income, additional income)

4. List expenses (rent, health insurance, other loans)

5. Offer

Confirm the application and you're in the clear: you'll receive the credit decision and the credit agreement online - immediately after submitting your application.

Commitment: Can I rely on the online loan approval?
Our online loan approval is subject to the accuracy of your information and is subject to possible changes.
Personal details: What information is requested in the online application?
  • Personal details
  • Details of living arrangements
  • Income (net salary)
  • Expenses