Personal Loan to AVS pensioners
Credial's financing offer designed for AHV pensioners and employees close to retirement
Finance your projects with complete peace of mind up to the age of 70
One personal advisor to help you at every stage of your financing
Your credit counsellor will take the time to establish with you a personalized budget that will allow you to ensure the balance of your finances while taking into account your pensions. He will assist you in preparing your file and until the funds are paid
One Confidential balance sheet and without commitment to your financial situation
We are doing a complete verification of your financial situation using Swiss credit information bases such as CRIF and ZEK. This information is essential to determine if you can get your credit, and we will present it to you in detail.
The possibility of reduce your monthly bills thanks to the Credial credit consolidation service
We offer you a complete analysis of your commitments and to combine your loans into a single monthly payment. This will allow you to simplify your finances.
The advantages included in your financing
Secure your budget with a reserve available in case of need
Your additional financial reserve is calculated according to the guidelines of the Consumer Credit Act (LCC) when assessing your credit capacity. It assures you of be able to better deal with unexpected expenses
Deduct fiscally and the full interest on your credit
Lower your taxes by deducting interest of your credit of your income. Take advantage of this advantage to optimize your budget and save money.
Allocate funds to the account of your choice.
As soon as your credit agreement is activated, the money will be transferred to the account that you will indicate to us. Use these funds as you wish, without supporting documents, whether to give life to a project or to face unexpected expenses
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 is my personal data used during the credit application process?
Credial’s credit application process prioritizes the security of your personal data at every stage. All of Credial’s partner banks are based in Switzerland, ensuring full compliance with Swiss data protection laws and regulations.
Strict security measures are implemented to safeguard the confidentiality of your information during collection and transmission to partner banks. You can be assured that your data is handled with the utmost care and in accordance with legal requirements.
How long does it take to process my private credit application?
The Credial team is committed to minimizing the processing time for your credit application, typically completing it within 24 hours. We work diligently to provide a quick and effective response to your request. However, please note that processing times may vary depending on the complexity of your application and the required documentation.
How much do credit brokers charge?
According to the Consumer Credit Act (LCC), the services of a credit broker cannot be charged to the borrower. The broker is instead remunerated by the bank that establishes the credit contract.
This regulation ensures that borrowers can benefit from the expertise and support of credit brokers without incurring any additional costs.
What are the conditions for obtaining a loan as an AI or AVS pensioner?
The requirements for obtaining credit as a pensioner depend on the type of pension you receive. For AHV pensioners, it is generally necessary to be under 70 years old at the end of the loan repayment period. For AI pensioners, it is important not to be receiving additional benefits.
A personalized, no-obligation analysis of your situation can be conducted to verify your eligibility for credit before you apply.
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.
