Loan Payment Rescheduling
Take advantage of our loan payment rescheduling service to better manage your budget.
Take advantage of a break to adjust your credit terms.
Give yourself a real break from your payments. Up to 90 days
Discover a break of up to 90 days to breathe financially and look forward to the future with serenity. Take advantage of this payment-free period to focus on other aspects of your life without financial stress.
Adjust your credit envelope and Get funds
Get extra cash to anticipate the unexpected and deal with every situation with confidence. This option gives you a flexible financial reserve, ready to be used when needed, without hassles or delays.
It's time to rethink your credit and reduce your monthly payments
Lighten your financial burden by reducing your monthly payments. Take advantage of the deferral to adjust your financial plan and reduce the pressure on your monthly budget. Our objective is to offer you a tailor-made solution for easier management of your finances.
Diminuez vos mensualités et allégez votre budget
Réduire vos charges financières peut vous offrir plus de flexibilité au quotidien. Grâce à un rachat de crédit, vous avez la possibilité de baisser vos mensualités en ajustant la durée de votre financement. Cette solution vous permet d’alléger votre budget tout en conservant une gestion stable de vos finances. Nos conseillers Credial vous accompagnent pour identifier l’offre la plus avantageuse et optimiser vos remboursements.
Take it back vetting thanks to a simple and unsurprising approach
Analysis of your ZEK To see more clearly
Benefit from a detailed analysis of your ZEK to precisely understand your situation and consider the options available to you. Our team of experts will carefully review your credit history to provide you with valuable information and advice tailored to your situation.
Calculating your budget for a complete analysis of your situation
Calculate your budget with our experts to determine your financing capacity and choose the solution that suits you. Our personalized approach aims to help you maximize your financial resources while meeting your expectations.
We support you in the consolidating your credits
Simplify your financial management by combining your debts into a single monthly payment. Our team will offer you a tailor-made financial solution and will take care of all the procedures. You regain control and consider your finances with peace of mind.
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.
Are there additional costs for deferring a monthly payment?
The costs associated with a monthly payment deferral depend on the situation:
- If the deferral is included in your contract, it generally does not incur any additional fees or interest.
- If the deferral is granted as a payment suspension, the bank applies specific fees, which vary by institution, in addition to loan interest.
- In the case of a loan refinancing, the fees are regulated by the Consumer Credit Act (LCC) and remain limited, although their amount may vary from one bank to another.
-
To find out the exact conditions applicable to your situation, feel free to contact your Credial advisor.
Can deferring a monthly payment impact my credit score or creditworthiness?
No, a monthly payment deferral included in your contract does not affect your creditworthiness or credit score.
However, if the deferral is granted as a payment suspension, some banks may interpret it as a sign of financial difficulty, which could influence your future financing applications.
It is therefore advisable to clarify this point with your bank before making a request. Your Credial advisor can help you assess the potential impact and choose the best solution based on your situation.
How do I apply for a monthly payment deferral?
Before requesting a monthly payment deferral, it is important to check with your bank whether this option is included in your contract. If it is, ask for clarification on any associated costs, especially if the deferral involves postponing payments. This could impact your ability to obtain new financing in the future, so it is essential to discuss this with your bank.
If your contract does not allow for a deferral of monthly payments, you may want to consider a loan buyout to reduce costs and avoid any negative impact on your creditworthiness. In any case, your Credial advisor will provide you with all the necessary information and guide you toward the most suitable solution.
What are the requirements for deferring a monthly payment?
Deferring a monthly payment depends on your credit agreement. At Bank-now, this option is available if your payments are up to date. If your contract does not include a deferral option, you may need to refinance your loan, in which case the conditions will follow those of a new financing request.
You must have sufficient borrowing capacity, meet the requirements of the Consumer Credit Act (LCC), and maintain a solid financial history with no recent payment incidents. Since each bank has its own criteria, it is essential to carefully assess your situation before applying.
Credial consultants assist you in finding the most suitable solution and maximizing your chances of approval.
Which private loans in Switzerland allow a monthly payment deferral?
Private loans in Switzerland that are eligible for a monthly payment deferral are those that explicitly include this option in the contract, such as with Bank-now. However, if your contract does not allow for a direct deferral, a loan refinancing solution may provide this possibility.
In this case, all private loans can be refinanced with a new loan that includes an extended repayment term. Our Credial consultants are here to help you identify the best solution based on your situation.
