Personal loan to the self-employed
Get funds while staying in control of your finances
Enjoy a greater freedom with the personal loan to self-employed
Arrange immediately of your funds after the legal deadline
As soon as your credit agreement is active, the funds will be transferred instantly to the account of your choice, without constraints or supporting documents to provide.
Set up a reserve immediately available in case of need.
We calculate your maximum credit capacity in accordance with the Consumer Credit Act (LCC) and will suggest that you build a cash reserve. Use it to support your business, or deal with unexpected financial needs You secure your finances and your business.
Easily adjust your repayment plan.
Take advantage of the option to repay early with no additional cost. Your credit adapts to you, helping you save money. Your advisor will provide all the necessary information.
Our personal loan to self-employed offers you much more
Take advantage of a full tax deduction on your loan interests.
Lighten your tax burden by subtracting the interest on your credit from your income. You will easily optimize your tax level.
Enjoy our free credit consolidation service to lighten your budget.
We offer you a complete analysis of your commitments and a free service for grouping your monthly payments. You strengthen your cash flow by simplifying your monthly expenses.
Optimize your cash surpluses to adjust your monthly payments and save money.
When you have excess cash, you have the option of get ahead of your repayment plan and save money.
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.
What are the conditions for obtaining a loan as a self-employed individual?
To qualify for a loan as a self-employed individual in Switzerland, you must have been continuously active for at least two years. Additionally, it is generally required to provide proof of income through a final tax assessment.
What documents are required to apply for a loan as a self-employed individual?
To obtain a credit as a self-employed person, it is generally necessary to provide the latest tax assessment. However, requirements may vary depending on your specific self-employed situation.
To ensure you have the correct documentation, we recommend consulting your Credial specialist directly. For more details, visit our page: Required Documents for Credit Application
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.
