Worth knowing

What you should know before you apply for a loan

Please note:

  • The applicant should be employed and have a minimum net income of CHF 2,800.
  • You should not have any open debt collection, loss certificates or bankruptcies, etc.
  • As every credit application is registered, we recommend that you submit a credit application specifically, as the scoring can lead to rejection. Therefore, get advice first if there are any uncertainties regarding prerequisites.
  • Important: any taxable additional income or premium reductions should be reported in the budget optimization application.
  • Foreigners with a B residence permit must have been resident in Switzerland for at least 6 months.

If you have any further questions, please do not hesitate to contact us from Monday - Friday 08:00 to 18:00 on the toll-free number 0800 55 55 00.

Your benefits at a glance

  • Favorable credit

    You can rely on favorable conditions

  • Credit decision

    Credit decision in 24 hours

  • Simple credit

    Uncomplicated processing

  • Fair credit

    No closing fees or commissions

  • Secure credit

    Installment protection in the event of death included

  • Serious credit

    Absolute discretion

  • Free consultation

    Our customer advisors will help you and advise you competently

Installment insurance

Create security for your future.

A loan can become a financial burden if unforeseeable life circumstances change. With the optional installment insurance, you can insure yourself against unforeseeable incapacity to work and earn or involuntary unemployment. Insurance in the event of death is always included. Let our customer advisors advise you and secure your loan.

Duration: 6-120 months; Max. annual interest rate includes total interest expenses 4.9% - 10.95% Calculation example: Loan of CHF 10'000.-. An effective annual interest rate between 4.9% and 10.95% results in total interest expenses between CHF 261.80 and CHF 574.40 for a duration of 12 months. Lending is prohibited if it leads to over-indebtedness. (Art. 3 UWG) The interest rate depends on the creditworthiness