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The short answer: If you have an open debt collection proceeding, a certificate of loss, a wage garnishment, or personal bankruptcy, you will not receive a loan.
Loans with debt collection proceedings in Switzerland: what is possible and what is not. read more
To help you find the answer to your question as quickly as possible, we have organized our "Frequently Asked Questions" section by topic.
Frequently asked credit questions FAQ read more
We require complete documentation so that we can process your loan application without delay and provide you with a suitable loan offer quickly. You should therefore submit all the required documents in full and clearly legible. This is the only way we can optimally check your enquiry and prepare a personalised loan offer for you in the shortest possible time.
By submitting the documents in full, you speed up the entire process and improve your chances of a quick approval. Benefit from short processing times and secure your loan now at the best possible conditions.
Documents for your loan application: How to get a loan offer quickly. read more
The credit assessment is an essential part of every loan and a decisive factor for banks and lenders. But why do scores differ from bank to bank? This blog sheds light on the different approaches that financial institutions use in their scoring and explains how legal, regional and individual factors have an influence.
Different business strategies in scoring: how banks rate their customers read more
In Switzerland, the Federal Consumer Credit Act (KKG) protects the interests of borrowers and serves to prevent over-indebtedness. In this blog post, we take a closer look at the Consumer Credit Act and explain what it entails, how it is applied and why it plays an important role in the Swiss financial system.
The Small Loans Act in Switzerland (KKG): A guide for borrowers read more
Online adverts promising quick loans without verification or proof are frequently seen. Offers such as "Loans without documents" or "Loans from private individuals" lure you in with quick and uncomplicated help in financial emergencies. But are these promises really serious?
The truth about "credit without proof": How you can recognise reputable offers read more
A forgotten invoice amount or a late payment can lead to unpleasant mail from the debt collection office sooner than you think. But don't panic - with the right knowledge and quick action, you can deal with the situation effectively. Here you can find out how to respond to a payment order and efficiently remove entries in the debt collection register.
Quick action required: How to react correctly to a payment order / debt collection ! read more
Time and again you see adverts that promise a loan with immediate payout. But how realistic is this? In this article, we clarify whether such a loan is really possible in Switzerland and what you should look out for.
Loans with immediate payout in Switzerland - Is that possible? read more
Borrowing can be a helpful solution for financial bottlenecks or larger investments. However, the question "What requirements do I need for a loan?" is often asked - and rarely answered clearly. In this article, we explain in detail how banks make decisions, which criteria must be met and which special cases exist.
What are the requirements for a loan? read more
Are you tired of keeping track of multiple credit card instalments? We have the solution to simplify your finances and optimise your monthly payments! With our help, you can now consolidate and bundle your credit card payments and pay them off in one convenient monthly instalment.
Replace / consolidate credit cards read more
PPI instalment insurance, also known as Payment Protection Insurance, is an optional product for those taking out consumer credit. In this blog post, we take a look at the key aspects of this insurance and highlight the benefits it offers.
Everything you need to know about PPI instalment insurance for loans in Switzerland read more
The world of finance is complex, and when it comes to credit, terms such as "creditworthiness" and "scoring" play a crucial role. These two concepts are closely linked and form the backbone of many credit decisions. Let's take a closer look at them.
Scoring and creditworthiness - key terms in lending read more
The financial landscape in Switzerland is facing drastic changes at the turn of the year. From 1 January 2024, borrowers will be faced with an increase in interest rates. At up to 12%, interest rates for loans will reach a new high, which is a direct reaction to rising inflation and the tense economic situation. These developments will not only increase the cost of loans in 2024, but will also lead to a more stringent assessment of creditworthiness
Interest rates for loans in Switzerland reach a new high read more
Before you can obtain a loan, lease or credit card, you have to pass a credit check. Banks do this to ensure that the borrower is able to fulfil the obligation, to avoid over-indebtedness on the part of the borrower and to reduce the risk of default for the lender.
What is a credit check or credit assessment? read more
The Swiss National Bank (SNB) has raised the key interest rate. This decision has far-reaching consequences for the Swiss economy. Companies and consumers must be prepared for an increase in credit and mortgage interest rates, which may increase the cost of loans and mortgages. What does this mean for credit banks and ultimately for you as the end customer? If the base rate rises
Inflation and interest rate development make loans more expensive for 2023! read more
For each loan application, your personal financial situation, with income and expenditure, is carefully checked to ensure the solvency of the loan. Banks have access to various databases with risk profiles. Only with a good credit rating and low risk will you get a low effective interest rate.
Terms for a loan in Switzerland read more
The result of the assessment is notified to the taxpayer by means of a ruling. The assessment procedure is concluded with the issuance of this assessment ruling.
Opening of the definitive tax assessment read more
The Swiss loan market is crowded these days and there are more offers than ever. Finding the best loan offer is therefore certainly not easy.
Where can I get the cheapest loan? read more
More and more loan providers are aggressively advertising their offers with low interest rates of 4.5 to 9.9 percent. However, an intensive market analysis shows that by no means all customers benefit from these favourable interest rates. In fact, numerous conditions must be met in order to receive even a comparable offer.
Providers are currently luring customers with low interest rates for personal loans read more
Even if you plan your financial affairs with the greatest possible foresight, you may find yourself in a situation that calls for an instalment loan. In the past, customers could only take advantage of the offers of established branch banks in this regard. In the meantime, the financial market has evolved so that taking out an online loan can also be a good choice.
Is an online loan the more favourable alternative to a bank loan? read more