Personal credit advice in Switzerland – with real experts.
We negotiate on your behalf with over 20 Swiss banks, protect your ZEK score through internal pre-checking and secure the lowest interest rate for you – free of charge and without obligation.
Your advantage: Expertise beats algorithm.
Online banks evaluate you using rigid rules. We know the internal criteria of each banking partner – and use this knowledge to your maximum advantage.
Protect your ZEK score
Before every bank inquiry, we internally check your creditworthiness. This way, unnecessary entries in the ZEK (Central Credit Information Office) are specifically avoided – your score remains clean.
Best price guarantee
By simultaneously comparing over 20 banks, we achieve conditions that you as a private individual would never receive directly.
Dedicated contact person
You will be assigned a personal advisor – not a chatbot. This advisor will guide you from your initial inquiry to the payout.
Fast processing
Thanks to established processes with our banking partners, you will often receive a binding commitment within 24–48 hours.
Absolutely free
Our fee is only paid upon successful loan disbursement by the bank. You will not incur any costs at any time.
Repay loan & save
Replace existing loans with high interest rates – we take over the entire repayment process and noticeably reduce your monthly payments.
Four steps to your desired loan.
Transparent, fast and completely Swiss-owned – that's how your personal credit advice at BestFinance works.
Submit a request – in 2 minutes
You fill out our short form. No signature, no risk. We only need your basic information to make an initial assessment.
Internal preliminary review & consultation
Your advisor will analyze your application internally and call you back personally. Together, we will optimize your application for the best possible bank decision.
Market comparison & best conditions
We will present your application to the most suitable banking partners – with the highest chance of approval and minimal impact on ZEK.
Payment & Aftercare
Once approved, we will support you until you receive your payment. We will also be available afterwards if needed.
BestFinance vs. Direct Bank: The difference matters.
Why more and more Swiss borrowers are opting for personal advice – and what you specifically gain.
| criterion | Direct bank / Online | ✦ BestFinance Service |
|---|---|---|
| Personal contact person | ✗ No | ✓ Fixed allocation |
| Market comparison (20+ banks) | ✗ Only our own terms and conditions apply | ✓ Complete market |
| Preliminary check before ZEK entry | ✗ No | ✓ Always |
| Dossier optimization | ✗ No support | ✓ Personal coaching |
| Loan repayment possible | ✗ Rarely | ✓ Specialist for replacements |
| Consulting fees | Free of charge | ✓ 100% Free |
What our customers say.
Trust is built through experience – read what customers from all over Switzerland have to say about their consultation.
My advisor optimized my application so effectively that I received a loan that two banks had initially rejected. Incredibly professional.
Three existing loans consolidated, monthly payment reduced by CHF 280. The process was quick and the advisor was always available. Highly recommended.
Finally, a provider that truly explains what they do. No hidden pressure, no costs. Payout in 3 days. It doesn't get any better than this.
Your questions – our clear answers.
Everything you need to know about personal credit advice in Switzerland.
What is personal loan advice – and why is it better than an online application?
During a personal loan consultation, an experienced expert analyzes your individual situation and optimizes your application accordingly. Unlike online application forms, we are familiar with the banks' internal approval criteria and know exactly which partner is best suited to your profile. This increases your chances – and saves time and unnecessary entries in the credit bureau database.
How much does credit advice cost at BestFinance?
Our consultation is free and non-binding for you. We are only paid if your loan is successfully disbursed by one of our partner banks. You will incur absolutely no costs – neither if your application is rejected nor if you do not accept the offer.
How does BestFinance protect my ZEK score?
Before submitting your application to a bank, we conduct an internal preliminary check. We assess your creditworthiness according to the same criteria as the banks – without creating an entry in the ZEK (Central Credit Information Office). Only when we are confident that the application will be successful do we submit it directly to one or two suitable institutions. This significantly protects your credit score.
Who is credit advice suitable for?
Our advice is suitable for anyone who lives and works in Switzerland – whether you need a personal loan, car financing, loan refinancing, or the consolidation of multiple debts. Even if you have already been rejected by a bank, it's worth talking to us.
How long does it take to receive the payout?
Following your inquiry and an initial consultation, we can often provide a binding response from a bank within 24 to 48 hours. After signing the loan agreement, disbursement typically occurs within a few business days.
Can I refinance existing loans at a lower interest rate?
Yes – that's one of our core competencies. If you'd like to consolidate existing loans, leases, or credit card debt at a lower interest rate, we'll analyze your current portfolio and find the optimal solution. Many of our clients save several hundred francs per month as a result.
Does BestFinance work with reputable Swiss banks?
Exclusively. Our partner network includes regulated Swiss banking institutions such as Cembra Money Bank, BankNow, Corner Bank, Bob Finance, and Migros Bank. All partners are supervised by FINMA and bound by the Swiss Consumer Credit Act (KKG).
Secure your free consultation now.
No risk. No ZEK entry. No small print.
Speak to a real expert.
Fill out the form or call us directly. Your personal advisor will contact you within one business day – discreetly, competently, and without obligation.
Bahnhofstrasse 67, 5000 Aarau
+41 62 823 08 03
Av. d'Echallens 109, 1004 Lausanne
+41 21 624 55 45