Personal Loan Insurance
Your advantages with our insurance.
Coverage of your monthly payments for up to 12 months.
Monthly payment insurance takes care of the payment of your monthly credit payments when you are unable to work due to illness, accident or involuntary unemployment for a period of up to 12 consecutive months.
Preserving your standard of living.
Situations of incapacity for work or unemployment can lead to a significant drop in income and disrupt your budget. Insurance provides essential financial support in times of need.
Protecting your solvency
Incapacity for work or unemployment can worsen your solvency. due to possible delays in paying your bills.
Easy subscription with no health questionnaire required.
With our insurance, you will not have no health questionnaire when subscribing. Enjoy fast and hassle-free membership.
Included insurance coverage
Disability and illness insurance.
You benefit from immediate coverage in the event of incapacity for work or illness. In the event of permanent disability or death, the balance of your debt is repaid up to CHF 100,000.
Unemployment insurance
The unemployment benefit covers the total loss of employment. It is possible to cover monthly payments up to CHF 2,500 per month.
Death coverage
Death insurance is a required part of the credit agreement and provides coverage up to CHF 100,000 in the event of death. Coverage levels may vary between banks.
A dedicacted certified advisor who takes the time to support you
A piece of advice neutral and objective
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.
We offer you neutral and objective advice to help you assess your needs in terms of monthly insurance. Our team will provide you with all the information you need to enable you to choose the level of coverage that is right for you.
A analyse full analysis of your solvency data andde credit capacity
A blanket tailored
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.
Your advisor will work with you to identify your financial coverage needs. Once these needs are clearly defined, he will select a personalized financing solution offering appropriate protection. You can finalize the financing of your project with confidence.
A personalized credit solution tailored to your needs
The possibility of adapting your insurance, Whenever you want
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.
We offer you a tailor-made insurance experience and give you the freedom to adjust your insurance if necessary.
The secured and confidential treatment of your data
Maintien de votre solvabilité en cas de perte de revenus
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.
Une perte de revenus peut fragiliser votre budget et compliquer le remboursement de votre crédit. Sans protection, vous risquez des incidents de paiement pouvant affecter votre solvabilité. Une assurance crédit prend en charge vos mensualités de crédit en cas de sinistre, vous aidant à préserver votre stabilité financière.
How is my privacy protected during the processing of my credit application?
In Switzerland, your privacy is safeguarded during the processing of your credit application through strict compliance with data protection laws, including the Swiss Data Protection Act (FADP) and the Consumer Credit Act (CCA).
Key measures include:**
- Identification Procedures: Ensuring that only authorized individuals have access to your data.
- Confidential Exchanges: All communications are conducted securely to maintain confidentiality.
- Secure Data Storage: Your information is stored temporarily and protected with robust security measures to prevent unauthorized access.
- Purpose Limitation: Your data is used exclusively for assessing and processing your credit application.
- Data Retention: Personal data is only retained for as long as necessary to fulfill legal and regulatory obligations.
Your personal data is treated with the utmost respect for confidentiality, in full accordance with Swiss data protection laws and regulations. If you have concerns or wish to learn more, you can request detailed information from your credit provider or consult the Federal Data Protection and Information Commissioner (FDPIC).
