You can apply for a loan if you are of age,  are in an employment relationship that has not been terminated, have a net income of CHF 3,000 per month and your place of residence is in Switzerland.

Cross-border commuters who have held the G permit for more than 3 years can also obtain a loan under special conditions.

General criteria

• between 18 and 68 years
• Private email address and mobile phone number
• Swiss bank account

• Swiss or C identity card
• First class credit rating
• Income from at least CHF 4500
• No entries in the debt collection office
• Owner

You can also use your new loan to pay off existing financing. Send us a copy of the existing loan agreement. We will take care of the rest.

• We take over this service for the customer, it is absolutely free of charge
• Your personal loan expert helps with the redemption requirements
• Your personal credit expert handles the entire process

With the online enquiry, your enquiry is checked on the basis of the information you have entered in order to calculate a non-binding offer for you.

Binding offers can only be made after all required documents have been submitted.

No, this is not possible because we grant loans exclusively to individuals (single liability). Financial information on the spouse/registered partner favours the creditworthiness check of the applicant and may be stated in the credit application.

Yes, you can obtain a loan with a B foreigner permit if you have been in Switzerland for at least 12 months, your residence permit is still valid at the time of the loan application and you also have an employment contract that has not been terminated and is of unlimited duration. If you have a good credit rating, we will also grant you a loan after 6 months.

After a positive credit decision, you will receive our credit offer by mail. If you sign and return it to us, you will receive the agreed amount after expiry of the statutory revocation period (14 days), paid out in cash at one of our partner branches or credited to your account.

The financing amount is adjusted to your personal circumstances and varies from person to person. Simply enter your desired loan amount in the loan application. We will be happy to provide you with an individual offer.

The exact interest rate will be determined after your application has been processed and will be based on your personal circumstances and, if necessary, on previous or existing contracts.

This normally requires a complete credit check. However, in order to give you an idea of the magnitude, we always quote two values when calculating the interest rate: the lowest and the highest possible minimum rate. The respective personal situation influences the credit decision, as well as the determination of the final conditions. Thus, in individual cases, it is possible that a client receives a negative credit decision from a provider with a uniform interest rate, while the credit is granted by another provider, albeit associated with higher interest costs.

The cost of the loan is based on the amount borrowed and the interest rate. Use our cash loan calculator to get a more accurate picture.

Yes. As an existing customer, you will receive preferential treatment and benefit from our special conditions. Call us or submit an online credit application. We will review your request immediately.

For the processing of your application we need:

- a copy of a valid identity card
- for foreigners, a copy of the foreigner's identity card
- a copy of the last 3 payslips
- if married: same documents of the spouse

Depending on your situation, you may need additional documents. Our loan experts will tell you what else is needed and help you get the documents.

You can send us the documents by post, fax or WhatsApp. You can also scan them and send them by e-mail to info@best-finance.ch send.

Here our detailed Documents - Checklist.