Personal Loan to AI pensioners in Switzerland
Disability pension holder: Estimate your personal loan in Switzerland using our calculator
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.
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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.
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:
- The AI Pension Grant Decision: The official document confirming your entitlement to a disability pension.
- 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.
What is the approval period for an AI pensioner loan?
The approval time for an AI pensioner loan varies by financial institution, but an initial response is typically provided within 24 to 48 hours. Once the application is complete and validated, the funds can be disbursed after the legal 14-day waiting period, in accordance with the regulations in Switzerland. To speed up the process, it is recommended that you submit all necessary documentation when applying.
What types of AI disability pensions are eligible for credit applications?
Only regular AI pensions are eligible for a loan, provided there is sufficient repayment capacity. Disability pensions and supplementary benefits are not considered by financial institutions, as they are intended to cover specific needs and are not viewed as stable income for the purpose of granting credit.
