Car loan: buy your vehicle with complete peace of mind
Enjoy a greater freedom with our car loan.
Ride as much as you want without mileage restrictions
With our car loan, enjoy the road without restrictions or additional costs. Enjoy the freedom to drive as much as you want.
Choose freely your insurance coverage
No more constraints imposed by leasing. You have the power to choose your level of insurance, whether it is civil liability (RC), partial casco or full casco. Adapt your insurance contract to precisely meet your needs, save money and drive with peace of mind.
Enjoy a loan agreement in principle with no commitment, valid for 90 days.
Once your credit is granted, you will have the option to put it waiting at no cost until you find the vehicle of your dreams. Take advantage of this financial flexibility and suspend the activation of your credit for up to 90 days. Contact our team to find out more about this option.
Resell your vehicle and payback your loan without penalty whenever you want
You are free to sell your vehicle whenever you want and without penalties. You can then repay your loan early or use the funds for other projects.
Our car loan offers you more than just a car.
Take advantage of an additional reserve available for all extra costs.
Complete your financing with an additional cash reserve, in order to cover expenses related to your vehicle, including tires, maintenance, repairs, insurance. This option will allow you to get behind the wheel with peace of mind.
Take advantage of the Full tax deduction Interest on your car loan
Optimize your taxes by completely deducting the interest from your credit Auto of your income.
Take advantage of our loan consolidation service to ease your budget.
Thanks to the analysis of your situation, we will be able to present you with a Simulation of grouping your credits with a single monthly payment. You will thus be able to finance your vehicle while optimizing your budget.
How does credit brokerage work with 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.
A dedicacted certified advisor who takes the time to support you
At Credial, we grant great importance to your experience by providing you with a dedicated certified advisor.
Our commitment is reflected in continuous investments in the training of our advisors, so that they can offer you real added value.
Your advisor will listen to your needs and will provide you with all the information you need to help you make the right decisions.
A analyse full analysis of your solvency data andde credit capacity
The analysis phase 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. Cela vous permettra dans certains cas d'éviter un refus.
A personalized and adaptée
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 private credit in Switzerland.
How can I verify that my lease has been properly closed with the ZEK?
To ensure that your lease has been successfully settled, you should first contact the leasing organization directly. They can confirm the status of your contract. However, only by ordering a ZEK extract can you verify whether the lease has been officially reported as paid off. This verification is included in the services offered by Credial.
How is my personal data used during the credit application process?
Credial’s credit application process prioritizes the security of your personal data at every stage. All of Credial’s partner banks are based in Switzerland, ensuring full compliance with Swiss data protection laws and regulations.
Strict security measures are implemented to safeguard the confidentiality of your information during collection and transmission to partner banks. You can be assured that your data is handled with the utmost care and in accordance with legal requirements.
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.
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.
