Personal Loan Switzerland
Your personal loan with confidence. With Credial, give meaning to your financing.
Get simply your personal loan online
Calculate your credit capacity and choose your monthly payment
We have developed a simple and practical financing path. Our budget calculator allows you to have a first idea of your credit capacity and then to choose the monthly payment that suits you.
Transmit your credit application securely and without commitment
Our secure platform allows you to easily send us information and documents.
Credial collaborates closely with numerous Banks and allows you to save time.
Boost your chances of securing a loan with expert guidance from your Credial advisor.
After your online application, your first meeting with your personal advisor is essential. He will review your file, guide you, and target the right banks to maximize your chances of approval and get the best terms.
The advantages and services included in your financing
Finance the project of your choice without the need to provide invoices or justify the use of funds.
As soon as your credit agreement is activated, Use the funds according to your desires, without supporting documents whether to give life to a project or to strengthen your cash flow.
Full analysis of your financial situation
Your advisor will suggest a complete check of your financial situation and solvency using Swiss databases like CRIF and ZEK. This information is essential to check if you can get your credit.
Improve your finances with our expert credit consolidation service offering the best conditions.
We offer you combine your loans into a single monthly payment. This will allow you to reduce your monthly expenses and maintain your standard of living.
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.
Combien puis-je emprunter avec un crédit à la consommation ?
Pour déterminer le montant que vous pouvez emprunter pour un crédit à la consommation en Suisse, il est essentiel d'évaluer votre capacité de crédit.
Ce calcul prend en compte vos revenus et vos charges mensuelles afin de garantir que vous pouvez rembourser le prêt sans compromettre votre budget.
Les étapes clés comprennent :
- Analyse des revenus : Prise en compte de l'ensemble de vos sources de revenus régulières.
- Évaluation des charges : Identification de vos dépenses mensuelles, telles que le loyer, les assurances et autres engagements financiers.
- Calcul de l'excédent : Soustraction des charges totales de vos revenus pour déterminer le montant disponible pour le remboursement du crédit.
Pour une compréhension approfondie de ce processus et pour estimer précisément votre capacité d'emprunt, nous vous invitons à consulter notre article détaillé :
Crédit privé : qu’est-ce que la capacité de crédit ?
Is it possible to take a break from monthly payments?
If the monthly payment break is included in the general terms of your credit contract, this option allows you to postpone your monthly payments for up to 2 months without incurring additional costs or interest. Additionally, in the context of a credit consolidation or refinancing, it may be possible to defer a monthly payment under certain conditions.
For any questions about the payment break or to explore options available for your specific situation, the Credial advisory team is here to assist you. You can easily reach out to us by phone or email to discuss your needs and benefit from personalized support.
Le crédit privé est-il règlementé ?
Oui, le crédit privé en Suisse est strictement réglementé par la Loi fédérale sur le crédit à la consommation (LCC), l'une des législations les plus rigoureuses d'Europe en matière de protection des consommateurs.
Les principaux objectifs de la LCC sont :
- Prévention du surendettement : Les prêteurs sont tenus d'évaluer minutieusement la solvabilité des emprunteurs avant d'accorder un crédit, afin de s'assurer que ceux-ci peuvent rembourser le prêt sans compromettre leur situation financière.
- Transparence contractuelle : Les contrats de crédit doivent inclure des informations claires et détaillées, telles que le montant total du crédit, le taux d'intérêt annuel effectif (TAEG), les modalités de remboursement et les droits de l'emprunteur, notamment le droit de rétractation dans un délai de 14 jours.
- Plafonnement des taux d'intérêt : La LCC fixe un taux d'intérêt maximal pour les crédits à la consommation, révisé périodiquement par le Conseil fédéral, afin de protéger les emprunteurs contre des coûts excessifs.
En complément de la LCC, les établissements financiers doivent respecter les directives de l'Autorité fédérale de surveillance des marchés financiers (FINMA), qui supervise les activités bancaires et veille à la stabilité du système financier suisse.
Ainsi, le cadre légal suisse assure une protection robuste des consommateurs en matière de crédit privé, en imposant des normes strictes aux prêteurs et en garantissant des pratiques transparentes et responsables.
What fees does Credial charge?
Credial’s services as a credit broker are entirely free of charge for clients. Credial is remunerated by the partner banks it collaborates with, in full compliance with the Consumer Credit Act (LCC).
This means you will not incur any additional costs to benefit from Credial’s expertise or the personalized support of your dedicated advisor. Our goal is to provide you with transparent, high-quality service at no extra expense to you.
