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Why choose a credit broker?
Take advantage of a personalized and no-commitment advice
Because we uphold the freedom of choice, our consulting and analysis services are offered with no commitment.
Discover how our experts can help you confidently bring your projects to life. .
Increase your chances of getting a loan
Entrust the preparation of your file to our specialists to ensure a quicker and more favorable by banks evaluation by banks.
Lighten your budget and your
Save money and reduce your monthly budget with our favorable credit terms.
Our tailor-made financing solutions optimize all of your commitments.
What are your financing needs?
Fund a new project
Access the ideal financing for your project, whether it's for buying a vehicle, home renovations, relocation, training, or a special family event.
Focus on your project while we handle the financing procedures.
Simplify your finances: credit increase & loan consolidation
Do you need a credit increase or wish to consolidate your loans?
Our experts will assess your loan balance, evaluate your financing capacity, and manage the process of increasing your credit limit as well as coordinating the transfer of the necessary funds to your account.
Find the right credit insurance for your financing needs
Evaluating and managing credit risks is crucial to prevent over-indebtedness and secure your financial future.
Our expert team will help you ask the right questions and recommend customized insurance solutions.

What are the key steps to apply for a private loan 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.
A dedicated certified advisor who takes the time to support you
At Credial, we prioritize your experience by offering you a dedicated certified advisor.
Our commitment is demonstrated through ongoing investments in training, ensuring your advisors provide real added value.
Your advisor will listen to your needs and offer all the necessary information to help you make the right decisions .
A full analysis of your solvency data and your credit capacity
The financial analysis 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.
A personalized and transparent solution
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 personal loan in Switzerland.
How does debt consolidation work in Switzerland?
Credit consolidation, also known as loan refinancing or debt restructuring, is a financial solution that combines multiple loans into one.
This approach primarily aims to reduce the total amount of monthly payments, simplifying personal finance management and offering temporary relief in loan repayments.
Several reasons may encourage you to consider credit consolidation:
- Lower monthly payments: Increase your available budget and avoid the risk of over-indebtedness.
- Loan grouping: Simplify the management of monthly bills related to personal loans, leasing contracts, and credit cards.
- Additional liquidity: Finance a project or cover an unexpected expense.
The process is simple: A lender repurchases all outstanding loans to consolidate them into a single one.
Once the new contract is activated and the previous loans are closed, the borrower only has one monthly payment to make, making it easier to manage their finances.
For a comprehensive understanding of credit consolidation and its benefits, consult the guide developed by our team.
Complete guide to credit consolidation in Switzerland
How long does it take to process my personal loan 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 can I borrow with a personal loan?
To determine how much you can borrow for a consumer loan in Switzerland, it is essential to assess your credit capacity.
This calculation considers your monthly income and expenses to ensure you can repay the loan without straining your budget.
The key steps include:
- Income analysis: Taking into account all your regular sources of income
- Expense assessment: Identifying your monthly costs, such as rent, insurance, and other financial commitments
- Calculation of the budget surplus: Subtracting total expenses from your income to determine the amount available for loan repayment.
For a detailed understanding of this process and an accurate estimate of your borrowing capacity, we invite you to read our in-depth article:
What are the conditions for obtaining a personal loan in Switzerland?
To obtain a personal loan in Switzerland, it is essential to comply with certain legal conditions aimed at protecting borrowers against over-indebtedness. The Federal Consumer Credit Act (LCC) states that the borrower must demonstrate the ability to repay the loan, including interest, over a period of 36 months, even if the credit term is longer.
Eligibility criteria include:
- Age: be at least 18 years old.
- Income: have a regular income sufficient to cover monthly expenses and credit repayments.
- Professional status: have a stable job with a permanent contract.
- Residence: be resident in Switzerland with a valid residence permit (B or C).
- Solvency: not having any lawsuits or acts of default in progress.
Financial institutions assess credit capacity by comparing the borrower's net income to monthly expenses, such as rent, insurance, and other outstanding loans, in order to determine whether the monthly payments of the new credit are sustainable without compromising the personal budget.
At Credial, we understand that every situation is unique. That's why our dedicated advisors are taking time to analyze your specific needs and to offer you personalized financing solutions. We support you throughout the process, from the constitution of your file to the payment of the funds, ensuring that all procedures are simplified and transparent.
What documents are required for a credit application?
The documents required for your credit application may vary depending on your personal and professional situation. However, a valid ID and recent proof of income are mandatory in all cases. To simplify the processing of your application, we also recommend including a copy of your health insurance premiums (LAMal).
For a detailed list of required documents and additional guidance, feel free to visit our dedicated page: Required Documents for Your Credit Application. Our team remains at your disposal to assist you in efficiently preparing your file.