Online credit application.
The key elements of your financing
A credit amount of CHF 1,000 to CHF 250,000
Choose the financing amount you want when applying. Your financing capacity will be assessed, and you can adjust it later after receiving the bank's approval.
A duration of 12 to 84 months
The financing duration has a significant influence on your monthly payment. While reducing the contract period is always possible and straightforward, extending it can be more challenging. Your advisor is available to guide you through this process.
An interest rate of 5.9% to 10.95% (maximum APR)
Your credit's overall effective annual rate (APR) will depend on your solvency, assessed as part of the bank's review process. Our team will optimize your file and negotiate the best possible terms to ensure you receive a competitive rate.
Payment to your account after 14 days
Following the 14-day withdrawal period mandated by the Consumer Credit Act (LCC), the credit amount will be credited to your account. If needed, an advance payment might be arranged, and your advisor will guide you through the process.
Conditions for obtaining a personal loan in Switzerland
Valid identity documents
Swiss nationals must provide a copy of the front and back of their identity card, driving license, or passport. Non-Swiss nationals are required to submit a copy of the front and back of their valid B, C, or G permit.
Professional situation
To qualify, you must demonstrate a steady net income of at least CHF 3,000, whether as an employee, self-employed individual, or recipient of an AI or AHV pension.
Home
In Switzerland, obtaining a loan requires proof of permanent residency or being a cross-border worker with stable employment in the country.
Age
Credit applications are open to individuals aged 20 to 67 at the time of submission.
Solvency
In Switzerland, the granting of a loan by banks is subject to an assessment of your solvency and good repute, in accordance with the Federal Law on Consumer Credit (LCC). Both your ability to repay the loan and your financial history will be evaluated.It is important to note that obtaining a loan is not possible in cases of a loss certificate (act of defect in goods) or negative entries in ZEK or CRIF databases. If you have any doubts, we can assist you in verifying these factors.
Proof of income to be provided
For Employees with a fixed income
Provide your most recent paycheck.
For Employees with a Variable Hourly Income or Shares (bonuses, allowances, etc.)
Submit your last three payslips.
For Self-Employed
A final tax notice issued within the past two years is required.
For Beneficiary of a Disability Pension (AI) or Retirement Pension (AVS)
Submit the pension grant decision or the most recent account statement showing the pension payments received.
Credial's commitments for your private credit.
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.
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.
How much do credit brokers charge?
According to the Consumer Credit Act (LCC), the services of a credit broker cannot be charged to the borrower. The broker is instead remunerated by the bank that establishes the credit contract.
This regulation ensures that borrowers can benefit from the expertise and support of credit brokers without incurring any additional costs.
What are the requirements to obtain a loan?
To obtain a loan in Switzerland, it is essential to meet criteria for solvency and good repute. Regarding solvency, the Consumer Credit Act (LCC) requires an assessment of your repayment capacity, which involves creating a detailed budget.
In addition, the lending bank will evaluate your creditworthiness by reviewing data on your payment history from information databases such as ZEK (Zentralstelle für Kreditinformation) or CRIF.
Our advisors are available to assess your situation quickly and without obligation, helping you understand the credit options available to you.
Who will be in charge of my loan application
Your Credial personal advisor will be in charge of your file. This financial advisor will be your main contact person and will take care of the entire processing of your file. He will be responsible for coordinating all steps of the process, including communication with the bank or financial institution, to ensure that your credit application is managed professionally and effectively.