The Credial credit simulateur de crédit Credial, simple et efficace.
Simulez votre crédit à la consommation en quelques clics
Why choose a credit broker?
Take advantage of a personalized and no-commitment advice
Because we uphold the freedom of choice, our consulting and analysis services are offered with no commitment.
Discover how our experts can help you confidently bring your projects to life. .
Increase your chances of getting a loan
Entrust the preparation of your file to our specialists to ensure a quicker and more favorable by banks evaluation by banks.
Lighten your budget and your
Save money and reduce your monthly budget with our favorable credit terms.
Our tailor-made financing solutions optimize all of your commitments.
Quels besoinsWhat are
Financer un nouveau projetFunding
Access the ideal financing for your project, whether it's for buying a vehicle, home renovations, relocation, training, or a special family event.
Focus on your project while we handle the financing procedures.
and lighten your monthly payments
Do you need a credit increase or wish to consolidate your loans?
Our experts will assess your loan balance, evaluate your financing capacity, and manage the process of increasing your credit limit as well as coordinating the transfer of the necessary funds to your account.
your credits against the unexpected
Evaluating and managing credit risks is crucial to prevent over-indebtedness and secure your financial future.
Our expert team will help you ask the right questions and recommend customized insurance solutions.
does credit brokerage work with Credial?les étapes clés pour demander un crédit avec Credial ?
Submit your request online quickly and without obligation.
If you have any questions, our advisors are available to assist you throughout the process of opening your file.
During the discovery interview with a specialist, you will receive all the necessary information, clarify your needs, and effectively prepare your application.
This personalized approach ensures you will find the ideal financing with complete peace of mind.
Once the bank's approval is obtained, typically within 48 hours, your personal advisor will take the time to clearly present your financing solution.
You will then have the opportunity to customize the offer to perfectly meet your needs.
The legal withdrawal period of 14 days is established by the law on consumer loans. However, be aware that you do not have to activate the credit after this period has elapsed.
In addition, for global financing exceeding CHF 80,000, you have the option of receive the funds immediately, which will be transferred to the account of your choice.
Credial's commitments for your personal loan.
A dedicated certified advisor who takes the time to support you
At Credial, we prioritize your experience by offering you a dedicated certified advisor.
Our commitment is demonstrated through ongoing investments in training, ensuring your advisors provide real added value.
Your advisor will listen to your needs and offer all the necessary information to help you make the right decisions .
A full analysis of your solvency data and your credit capacity
The financial analysis is important for the success of your financing and is part of our support.
This accurate assessment will allow you to better understand your current financial situation and precisely determine your credit capacity.
A personalized and transparent solution
Because you are unique, you deserve financing that really takes into account your needs.
Our commitment to transparency is to keep you informed every step of the way and to take the time to clearly present your financing solution to you.
The secured and confidential treatment of your data
The protection and confidentiality of your data is our priority.
We have implemented rigorous protocols for identifying, processing and storing our customers' data in order to guarantee their safety in all circumstances.
In addition, we strictly comply with the most recent laws and regulations in this area.
Your questions on personal loan in Switzerland.
Combien puis-je emprunter avec un crédit à la consommation ?
Pour déterminer le montant que vous pouvez emprunter pour un crédit à la consommation en Suisse, il est essentiel d'évaluer votre capacité de crédit.
Ce calcul prend en compte vos revenus et vos charges mensuelles afin de garantir que vous pouvez rembourser le prêt sans compromettre votre budget.
Les étapes clés comprennent :
- Analyse des revenus : Prise en compte de l'ensemble de vos sources de revenus régulières.
- Évaluation des charges : Identification de vos dépenses mensuelles, telles que le loyer, les assurances et autres engagements financiers.
- Calcul de l'excédent : Soustraction des charges totales de vos revenus pour déterminer le montant disponible pour le remboursement du crédit.
Pour une compréhension approfondie de ce processus et pour estimer précisément votre capacité d'emprunt, nous vous invitons à consulter notre article détaillé :
Crédit privé : qu’est-ce que la capacité de crédit ?
How long does it take to process my private credit application?
The Credial team is committed to minimizing the processing time for your credit application, typically completing it within 24 hours. We work diligently to provide a quick and effective response to your request. However, please note that processing times may vary depending on the complexity of your application and the required documentation.
What are the conditions for obtaining a loan with a B permit in Switzerland?
To obtain a loan in Switzerland with a B permit, you must have resided in Switzerland for at least one year and hold a valid B residence permit. Additionally, most banks require a minimum net monthly income of approximately CHF 3,000 to evaluate your repayment capacity.
What documents are required for a credit application?
The documents required for your credit application may vary depending on your personal and professional situation. However, a valid ID and recent proof of income are mandatory in all cases. To simplify the processing of your application, we also recommend including a copy of your health insurance premiums (LAMal).
For a detailed list of required documents and additional guidance, feel free to visit our dedicated page: Required Documents for Your Credit Application. Our team remains at your disposal to assist you in efficiently preparing your file.
