Personal Loan Buyback
Calculate your loan buyback and get your personalized offer.
1 contract, 1 loan, 1 monthly payment
Credial takes care of everything for your loan buyback
Let’s simplify your loans. CREDIAL works on your behalf with banks to arrange the buy-back 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.
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 buy-back is possible. They will guide you through the credit consolidation process and offer expert advice to help you maintain your solvency.
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.
What documents are required to buy back my credits?
To proceed with the buyback of your credits, a copy of your existing credit contracts is generally sufficient. In some cases, a final statement—similar to a lease buyback—may also be required.
For more details and a complete list of required documents, visit our page: Required Documents for Credit Application. Feel free to contact us for more information or to discuss your loan buyback request.
What types of credits can be bought back?
All types of private loans registered with the ZEK (Central Credit Information Center) can be bought back. This includes personal loans, credit card balances, and leases. Based on your request, the Credial team and the bank will handle all the procedures to reimburse and consolidate your commitments.
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.
