Personal Loan Switzerland
Your personal loan with confidence. With Credial, give meaning to your financing.
Get simply your personal loan online
Calculate your credit capacity and choose your monthly payment
We have developed a simple and practical financing path. Our budget calculator allows you to have a first idea of your credit capacity and then to choose the monthly payment that suits you.
Transmit your credit application securely and without commitment
Our secure platform allows you to easily send us information and documents.
Credial collaborates closely with numerous Banks and allows you to save time.
Boost your chances of securing a loan with expert guidance from your Credial advisor.
After your online application, your first meeting with your personal advisor is essential. He will review your file, guide you, and target the right banks to maximize your chances of approval and get the best terms.
The advantages and services included in your financing
Finance the project of your choice without the need to provide invoices or justify the use of funds.
As soon as your credit agreement is activated, Use the funds according to your desires, without supporting documents whether to give life to a project or to strengthen your cash flow.
Full analysis of your financial situation
Your advisor will suggest a complete check of your financial situation and solvency using Swiss databases like CRIF and ZEK. This information is essential to check if you can get your credit.
Improve your finances with our expert credit consolidation service offering the best conditions.
We offer you combine your loans into a single monthly payment. This will allow you to reduce your monthly expenses and maintain your standard of living.
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.
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:
Is a personal loan regulated?
Yes, private credit in Switzerland is strictly regulated by the Federal Consumer Credit Act (LCC), one of the most stringent consumer protection laws in Europe.
The main objectives of the LCC are:
- Preventing over-indebtedness : Lenders are required to carefully assess the creditworthiness of borrowers before extending credit to ensure that they can repay the loan without compromising their financial situation.
- Contractual transparency : Credit agreements should include clear and detailed information, such as the total credit amount, the effective annual interest rate (APR), repayment terms and rights of the borrower, including the right to withdraw within 14 days.
- Interest rate cap : The LCC sets a maximum interest rate for consumer loans, which is revised periodically by the Federal Council, in order to protect borrowers against excessive costs.
In addition to the LCC, financial institutions must comply with the guidelines of the Federal Financial Market Supervisory Authority (FINMA), which oversees banking activities and ensures the stability of the Swiss financial system.
Thus, the Swiss legal framework ensures robust consumer protection in terms of private credit, by imposing strict standards on lenders and by guaranteeing transparent and responsible practices.
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.
