Credit increase
Calculate your loan increase and receive an offer quickly and hassle-free.
The best conditions for your credit increase
Boost your budget, get a cash extension
Simply ask for an extension on your current credit starting from CHF 1,000 and take advantage of the best conditions.
One Comfortable monthly payment, adapted to your needs
Credial offers tailor-made financing. We adjust your new credit together in order to find a comfortable monthly payment and maintain your financial security.
Benefit from the best conditions with rates starting from 5.9%
Our consultants are there to help you find the most advantageous conditions. Thanks to their expert advice and the careful preparation of your file, you will have the opportunity toget the best deal from banks.
Your financial situation Under control
Comprehensive analysis of ZEK
Your Credial advisor will offer you a analyzes your ZEK solvency data and your current loans to assess your credit capacity and build a solid file.
A good budget protects your solvency
A key step in our approach is to understand your lifestyle and your usual expenses. So we adjust your monthly payment so that your credit fits into your budget.
A tailored credit consolidation solution designed for you.
Group your credits to simplify its management and choose a monthly payment adapted to 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 confirm that my credits have been fully paid off?
To ensure that your credits have been fully settled, the simplest way is to verify this with the Credit Information Center (ZEK). This step is important because a credit contract that has not been entirely repaid might still carry a balance. Such a balance could be claimed by the lender even after several years, potentially leading to financial surprises.
Additionally, an unresolved balance could generate negative solvency codes in the ZEK database, which might harm your credit score and your ability to secure future financing. It can also distort your overall credit commitments as recorded in the ZEK, affecting your financial profile.
This verification is part of the services offered by Credial, ensuring you have peace of mind and a clear financial standing.
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 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 documents are required to increase my credit?
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.
When can I increase my credit?
You can request to increase your credit at any time, provided that the conditions for granting a credit are met and the lending institution agrees. However, it is important to note that some banks may decline requests for credit increases that are made too soon after the initial credit approval or are too frequent. These situations are often associated with higher financial risk from the lender's perspective.
To ensure a smooth process, we recommend discussing your situation with our advisors, who can guide you through the requirements and help you prepare a strong application for your credit increase.
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.
