Credit request
How much credit could you get?
In around 3 minutes, you’ll know whether a credit is an option for you and the maximum amount you may be able to borrow.
- 1A few short questionsAbout your personal situation, your income and your regular expenses.
- 2Your credit limitWe immediately calculate how much is possible under the Swiss Consumer Credit Act.
- 3Complete your requestIf everything looks right for you, it takes just 2 more minutes to complete your application. We then compare offers from our partner banks for you.
🔒 Your details are treated confidentially.
Prefer to talk in person?
Our advisers are happy to help: 062 823 08 03 or WhatsApp
First of all
Have you had a bankruptcy, a wage garnishment or certificates of unpaid debt (Verlustscheine)?
We ask this first so you don’t waste any time.
Why does this matter?
Bankruptcy, garnishments and usually also certificates of unpaid debt rule out a loan for a long time.
Debt-collection proceedings
Do you currently have open debt-collection proceedings (Betreibungen)?
Open means: not yet paid.
Debt-collection proceedings
Have you had debt-collection proceedings in the past that have since been paid?
Even if they were a while ago.
How is this assessed?
What matters is how many there were, whether all are settled and how long ago they were. Debt-collection proceedings always count against you and can lead to rejection.
Paid debt-collection proceedings
How many were there?
An estimate is enough.
Paid debt-collection proceedings
When did you pay the last one?
Thank you, that’s fine so far.
Next, a few details about you. We use them to calculate how much credit is legally possible.
Several or recently paid proceedings can make the assessment harder. We are still happy to look at your request.
Unfortunately, we cannot arrange a loan for you at the moment.
With a bankruptcy, garnishment or certificates of unpaid debt, banks do not grant loans for a long time. This is a fixed rule of the lenders, not a judgement of you.
Unfortunately, a loan is not possible with open debt-collection proceedings.
As long as proceedings are open, banks reject every request.
About you
A loan is possible between the ages of 18 and 68.
Please enter a valid date, e.g. 14.03.1985.
Unfortunately, a loan is only possible from the age of 18.
Banks only grant personal loans to adults.
About you
We fill in the town and canton automatically.
We don’t recognise this postcode. Please check your entry.
About you
What is your marital status?
About you
How do you live?
About you
Who do you live with?
Children don’t count here, they come next.
Why do we ask?
Sharing a household lowers living costs. The law then uses a different basic living allowance.
About you
How many children do you support financially?
Children up to age 25, even if they don’t live with you.
Please choose the year of birth for each child.
About you
What is your nationality?
Please choose your nationality.
About you
Which residence permit do you have?
About you
Since when have you lived in Switzerland?
The date you arrived, month and year are enough.
Please choose month and year.
You have been in Switzerland for less than two years. Approval is then harder to get, but not ruled out. We are happy to try for you.
Are these details correct?
Next up: your income.
Income
What is your employment situation?
Income
The amount paid into your account each month, excluding a 13th salary.
Please enter your net salary.
How many monthly salaries do you receive?
Income
Since when have you worked for your current employer?
Month and year are enough.
Please choose month and year.
Income
Do you have any other income?
For example a side job, bonus, maintenance payments or rental income.
Please choose the type and enter the amount.
Income
Does your partner have their own income?
A second income can improve the chances of approval.
Please enter the income.
How many monthly salaries?
Please choose the type and enter the amount.
Is your income correct?
Next up: your fixed expenses.
Expenses
Including service charges.
Please enter your rent.
The total mortgage debt, all tranches combined.
Please enter the mortgage amount.
Please choose the year.
Expenses
Basic and supplementary insurance per month.
Please enter the premium.
Expenses
How do you get to work?
Could you also get to work by public transport?
Why do we ask?
If you depend on your car, banks take the actual travel costs into account. Otherwise the flat rate for public transport applies.
How many days a week do you commute?
Tip: Google Maps shows you the distance.
Please enter the distance and the postcode of your place of work.
Expenses
Do you work shifts, nights or do heavy physical work?
Night work means between 11 pm and 6 am. Heavy work is physically very demanding work.
Does this mean extra food costs for you?
Please enter the amount.
Expenses
Do you have any other fixed expenses?
If not, simply leave 0.
Leasing, credit cards, childcare etc.
Are your expenses correct?
After that, only your contact details are missing.
ℹ Note:
This calculation is based on the Swiss Consumer Credit Act (KKG) and is a first indication. Actual lending depends on creditworthiness, ZEK score and bank guidelines.
Almost done!
Enter your contact details to receive your credit limit.
Title *
Please select a title.
Please enter your first name.
Please enter your last name.
Please enter a valid email address.
This consent is required in order to continue.
🔒 Your data is treated confidentially and not passed on to third parties. The calculation is non-binding.
Your financing scope
–
Your result
Your budget overview
Free and non-binding · No ZEK credit check
Your credit request
How much would you like to borrow?
We have entered your calculated limit. You can adjust it.
Term
Please choose the purpose.
Address
Where exactly do you live?
Please enter street and house number.
At this address since *
Please select month and year.
You have lived here for less than two years. Please also enter your previous address.
Contact details
We only call to discuss your request.
Please enter a valid telephone number.
How may we contact you?
Partner
What is your partner’s employment situation?
With current employer since
Please enter employment and date.
What applies to your partner?
If no payment is made: enter 0.
Please choose an answer.
Commitments
Do you have any current loans or leases?
Including credit cards with an outstanding balance or personal loans.
Please enter the bank and outstanding balance.
Protection
Would you like to protect your instalments?
In case of illness, accident or involuntary unemployment. The protection is optional.
No health check · regardless of age & occupation · can be cancelled at any time
Please choose a protection option.
Submit
All set.
By submitting, you complete your credit application. We will review your details and get back to you promptly.
Sending failed. Please try again.
Thank you very much!
We have received your request. You will shortly receive a confirmation by email.