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Personal Loan to AI pensioners in Switzerland

Disability pension holder: Estimate your personal loan in Switzerland using our calculator

Credit desired
CHF
Duration (12 to 84 months)
mo
Monthly payment*
70.80 CHF
Example of monthly payment calculated with an overall effective annual rate of 5.9% (maximum possible rate of 10.95%)
Request a credit
Legislation stipulates that the granting of credit is prohibited if it causes over-indebtedness (art. 3 LCD).
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A tailor-made credit offer for recipients of disability pensions

Boost your chances of securing a loan with the help of our specialists.

Your credit advisor will create a personalized budget for you to ensure your financial balance. He will guide you through the entire process, from file preparation to fund disbursement.

A comprehensive analysis of your financial situation

Your advisor will start with 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 loan, and he will present it to you in detail.

A stronger budget with the Credial debt consolidation service.

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.

The advantages included in your financing

The free disposal of funds on the account of your choice

Your financing will be paid to the account of your choice Use your credit as you wish, without supporting documents.

A secure budget thanks to a financial reserve

Your additional financial reserve is calculated according to the guidelines of the Consumer Credit Act (LCC) when assessing your credit capacity. She you ensures that you can better deal with unexpected expenses.

The possibility to cancel free of charge your credit up to 10 days after cashing out

We stand for freedom of choice and We are here to support you. You have the right to change your mind even after the funds have been paid out.

Une gestion simplifiée avec des mensualités adaptées

Une gestion simplifiée grâce à des mensualités adaptées vous permet de financer vos projets en toute sérénité. Le montant et la durée du prêt sont ajustés selon votre budget, assurant un remboursement souple et sans surprise. Vous gardez ainsi le contrôle sur vos finances tout en réalisant vos objectifs.

Personal Loan to AI pensioners in Switzerland

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.

Credial's commitments for your Personal Loan to AI pensioners.

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 selon vos besoins

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 about Personal Loan to AI pensioners in Switzerland.

Peut-on regrouper plusieurs crédits en un seul pour réduire les mensualités ?

Oui, il est possible de regrouper plusieurs crédits en un seul afin de réduire le montant des mensualités. Cette solution, appelée rachat de crédit ou regroupement de dettes, permet de simplifier la gestion financière en réunissant tous vos prêts en un seul avec une mensualité unique, souvent plus basse. Le montant total et la durée de remboursement sont ajustés en fonction de votre situation, ce qui peut alléger votre charge mensuelle et améliorer votre budget.

Quel est le délai d’approbation pour un crédit rentiers AI ?

Le délai d’approbation pour un crédit rentiers AI varie selon l’établissement financier, mais une première réponse est généralement donnée sous 24 à 48 heures. Une fois le dossier complet et validé, les fonds peuvent être versés après le délai légal de 14 jours, conformément aux règles en vigueur en Suisse. Pour accélérer le processus, il est recommandé de fournir tous les documents nécessaires dès la demande.

Quels types de rentes AI sont acceptées pour obtenir un crédit ?

Seules les rentes AI ordinaires sont éligibles pour un prêt, sous réserve d’une capacité de remboursement suffisante. Les rentes pour impotent et les prestations complémentaires ne sont pas prises en compte par les établissements financiers, car elles sont destinées à couvrir des besoins spécifiques et ne sont pas considérées comme un revenu stable pour l’octroi d’un crédit.

What documents are required to obtain a private loan as an AI pensioner?

When applying for credit as an AI (Assurance Invalidité) pensioner, you can provide one of the following two types of documents:

  1. The AI Pension Grant Decision: The official document confirming your entitlement to a disability pension.
  2. The Latest Tax Certificate: A certificate detailing your disability pension as reported for tax purposes.

Providing either of these documents will allow the lender to verify your pension income and facilitate the credit application process. If you have any questions or need assistance, feel free to contact us. Our team is here to guide you through the process.

Bring your projects to life. Contact Credial.

*Example of calculation for a loan of CHF 15,000 over a period of 36 months with an overall effective annual rate (APR) between 5.9% and 10.95% depending on the level of solvency. The total cost of the loan varies between CHF 1,366 (with an APR of 5.9%) and CHF 2,534 (with an APR of 10.95%). The law specifies that the granting of credit is prohibited if it leads to a situation of over-indebtedness (Article 3 of the LCD). The total cost of credit calculated here is limited to the amount of interest calculated, excluding the cost of taking out optional monthly payment insurance.