Personal Loan Refinancing
Calculate your loan refinancing and get your personalized offer.
1 contract, 1 loan, 1 monthly payment
Credial takes care of everything for your loan refianncing
Let’s simplify your loans. CREDIAL works on your behalf with banks to arrange the refinancing of your commitments. Your CREDIAL advisor will be your single point of contact for managing your monthly payments.
Boost your cash flow and free up funds.
Need a cash boost? Loan buyback gives you the opportunity to enhance your budget and create a reserve for unexpected expenses.
Benefit from the best rate conditions, starting at 5.9%
Our expert advisors work for you to secure the best rates. The right advice at the right time ensures the most favorable repayment conditions.
Debt consolidation from 5.9% – Simplify your finances and reduce your monthly payments!
Take advantage of loan refinancing from 5.9% (conditions apply) to lower your monthly payments. The rate depends on your financial situation, but consolidating your loans can often reduce your expenses. Get a free simulation and find the best solution for your budget!
Your financial situation under control
Is the total of your monthly payments too high? Lower your overall monthly bills with tailored solutions.
Find more flexible finances. Reduce your monthly bills by combining your credits into a single monthly payment. Discover your possible savings by making a request without obligation.
ZEK analysis and control: It's all clear !
Credial offers an analysis service for your ZEK extract because it may contain errors. We clarify your credit history to improve your chances of getting credit.
Preserve your solvency by keeping control of your expenses.
Your Credial advisor evaluates your solvency (credit score) to determine if a loan refinancing is possible. They will guide you through the credit consolidation process and offer expert advice to help you maintain your solvency.
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 loan consolidation affect my credit score?
A loan refinancing has a neutral effect on your creditworthiness, unless it is done too frequently, particularly to finance successive increases in debt. In such cases, the history visible to the bank may be interpreted as a sign of recurring financial difficulties.
On the other hand, while it allows you to consolidate multiple commitments and improve your available budget, it can have a positive long-term impact. Responsible management of your new loan, with regular payments and no incidents, will help strengthen your financial profile.
Can non-bank debts be included in a loan consolidation?
Only loans, credit cards, and leases registered with the ZEK can be directly included in a loan refinancing by the bank. On the other hand, other debts, such as overdue bills or private loans, cannot be paid off directly by the bank. However, if your situation allows it, these amounts can be integrated into the overall financing of your new loan. Once the funds are disbursed, it will be up to you to repay these debts yourself.
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.
What documents are required to consolidate my loans?
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.
What is the maximum term for a loan consolidation in Switzerland?
The maximum duration of a loan refinancing is determined by the bank based on your financial profile, including your level of risk, budget structure, and internal policies. Some institutions may offer financing for up to 120 months, but it is generally recommended not to exceed 84 months to limit the total cost of the loan. A shorter term helps reduce the interest paid while maintaining an optimal budget balance. The bank will assess your repayment capacity to determine the term best suited to your situation.
What types of loans can be consolidated?
All types of private loans registered with the ZEK (Central Credit Information Center) can be refinanced. This includes personal loans, credit card balances, and leases. Based on your request, the Credial team and the bank will manage all the procedures to repay and consolidate your commitments.
