Answers to
All Your Credit Questions

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.

To buy out your lease, you must provide a final statement issued by your leasing company, indicating the exact amount to be repaid. If you finance this buyout with a personal loan, the required documents are the same as for a loan application.

Specifically, you will need to provide a valid ID, proof of address, and your last three payslips. You can find the complete list of required documents on our dedicated page: Documents Required to Apply for a Personal Loan in Switzerland.

Once all documents are gathered, your application will be reviewed to offer you a financing solution tailored to your needs.

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To obtain a credit as a self-employed person, it is generally necessary to provide the latest tax assessment. However, requirements may vary depending on your specific self-employed situation.

To ensure you have the correct documentation, we recommend consulting your Credial specialist directly. For more details, visit our page: Required Documents for Credit Application

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To apply for a training loan in Switzerland, you need to provide the following documents:

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1. Valid identification: Identity card or passport for Swiss citizens; B or C residence permit for foreign residents.

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1. Proof of income: The last three payslips if you are an employee; for self-employed individuals, the most recent full tax assessment issued within the last 12 months.

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1. Proof of address: Signed lease agreement if you are a tenant; for homeowners, the mortgage contract or recent mortgage statements.

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These documents allow financial institutions to assess your repayment capacity and process your application efficiently.

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To proceed with the consolidation of your loans, a copy of your existing credit contracts is generally sufficient. In some cases, a final statement—similar to a lease buyout—may also be required. For more details and a complete list of required documents, visit our page: Required Documents for Loan Application. Feel free to contact us for more information or to discuss your loan consolidation request.

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To increase your credit, you will need to provide the standard documents required for a credit application. Additionally, a copy of your current credit agreement will be necessary. These documents are essential for our team to evaluate your request for a credit increase promptly and efficiently.

For more information and a detailed list of required documents, visit our page: Required Documents for Credit Application. Feel free to contact us for assistance in preparing your credit increase.

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When applying for credit as an AI (Assurance Invalidité) pensioner, you can provide one of the following two types of documents:

1. The AI Pension Grant Decision: The official document confirming your entitlement to a disability pension.
2. The Latest Tax Certificate: A certificate detailing your disability pension as reported for tax purposes.

Providing either of these documents will allow the lender to verify your pension income and facilitate the credit application process. If you have any questions or need assistance, feel free to contact us. Our team is here to guide you through the process.

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When applying for credit as an AHV pensioner, you can provide one of the following three types of documents:

1. The current AHV pension decision: Official confirmation of your pension entitlement.
2. The pension certificate or the latest account statement mentioning the pension: Proof of the amount and regularity of your pension payments.
3. The tax certificate related to AHV pensions: Documentation of your pension income as reported for tax purposes.

If you have any questions or need assistance in preparing your application, feel free to contact us. Our team is here to guide you through the process and ensure a smooth experience.

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To buy out your lease, you simply need to request a final statement from the lender. This document outlines the total amount required to settle the lease, including the balance of unpaid monthly payments (excluding interest), the residual value, and any applicable fees.

Requirements may vary by bank, but most institutions require a detailed tax notice as the primary source of income. Depending on the records, this may be supplemented by recent bank statements to provide a more accurate picture of your financial situation. It is recommended to check with the lending institution to confirm the exact documents needed.