Loan increase
Calculate your loan increase and receive an offer quickly and hassle-free.
The best conditions for your loan increase
Boost your budget, get a cash extension
Simply ask for an extension on your current loan 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 loan 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.
Une mensualité confortable, adaptée à vos besoins
Une mensualité ajustée pour votre confort financier. En optant pour un montant adapté, vous préservez votre équilibre budgétaire tout en gardant la liberté de rembourser plus rapidement si vous le souhaitez. Profitez d’une gestion souple et sereine de votre prêt, sans contrainte.
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 loan fits into your budget.
A tailored loan consolidation solution designed for you.
Group your credits to simplify its management and choose a monthly payment adapted to your budget.
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 credit solution tailored to your needs
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.
Can a credit increase be used to consolidate existing loans into a single repayment?
Yes, with Credial, you can combine multiple loans into a single credit increase.
This solution allows you to consolidate your various loans into a new, higher loan amount, simplifying repayment management with a single monthly installment and one point of contact.
Depending on your situation, this option may also offer you a more favorable interest rate and a repayment term better suited to your budget.
At Credial, your personal advisor support you every step of the way to provide the best financing solution tailored to your needs.
How can you qualify for a credit increase?
To obtain a credit increase, you must meet certain conditions. You need sufficient borrowing capacity to take on a higher loan, in compliance with the requirements of the Consumer Credit Act (LCC). Additionally, your financial history should not show any recent payment incidents.
Each bank applies its own criteria for granting a credit increase, which may vary. For example, some institutions may refuse to increase an existing loan if the request is made too soon after the initial loan was granted.
Therefore, it is advisable to carefully assess your situation before requesting an increase from your bank to avoid rejection. At Credial, our consultants assist you in evaluating and preparing your application to maximize your chances of approval.
Is a credit increase subject to new terms and conditions?
Yes, the bank will conduct a new assessment of your financial situation and creditworthiness before approving a credit increase. This analysis considers several factors, including your current income, expenses, repayment history, and debt-to-income ratio.
The goal is to ensure that you can manage the new monthly payment without compromising your financial stability. If your request is approved, a new credit agreement will be issued, outlining the updated terms, including the total loan amount, repayment period, and applicable interest rate.
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.
What documents do I need to provide for loan refinancing?
To increase your loan, you will need to provide the standard documents required for a loan application.
In addition to these usual documents, you must also include a copy of your current credit agreement.
These documents are essential for our team to assess your credit increase request quickly and efficiently.
Feel free to contact us to help you prepare your credit increase application.
What is a credit increase?
A credit increase involves replacing your current loan with a new loan of a higher amount. This process, similar to a credit buyout, allows you to consolidate the outstanding balance of your existing loan while adding an additional amount based on your needs.
The new loan comes with updated conditions, particularly regarding the duration and interest rate, which can help optimize your monthly payment and improve your repayment capacity.
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.
