The Unsecured Personal Loan Agreement is essential for documenting lending arrangements between parties in Switzerland, whether the lender is a financial institution or a private individual. This document is specifically designed to comply with Swiss legal requirements, including the Swiss Code of Obligations (OR/CO) Articles 312-318 and the Swiss Consumer Credit Act (KKG/LCC). It's typically used when a borrower needs personal financing without providing collateral, and includes mandatory provisions for consumer protection, interest rate caps, creditworthiness assessment, and withdrawal rights. The agreement is structured to protect both lender and borrower interests while ensuring regulatory compliance with Swiss banking and consumer protection laws.

1. Parties: Identification and details of the lender and borrower, including full legal names, addresses, and any registration numbers

2. Background: Brief context of the loan arrangement and purpose

3. Definitions: Definitions of key terms used throughout the agreement

4. Loan Amount and Purpose: Specification of the loan amount, currency, and permitted use of funds

5. Interest Rate: Interest rate specifications, calculation method, and compliance with Swiss interest rate caps

6. Term and Repayment: Loan duration, repayment schedule, and payment methods

7. Early Repayment: Terms and conditions for early repayment as per Article 318 of Swiss Code of Obligations

8. Default and Consequences: Events of default and their consequences, including default interest

9. Representations and Warranties: Borrower's confirmations regarding their financial situation and ability to repay

10. Borrower's Obligations: Ongoing obligations of the borrower during the loan term

11. Notices: Communication methods and contact details for formal notices

12. Governing Law and Jurisdiction: Confirmation of Swiss law governance and jurisdiction for disputes