General

To help you find the answer to your question as quickly as possible, we have organized our "Frequently Asked Questions" section by topic.

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.

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.

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.

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.

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.

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.

You don't usually make the decision to buy a pool or more modern furniture on your own. Why should it be any different when applying for a personal loan? If you involve your spouse, you have a better chance of implementing your ideas when negotiating terms with your credit institution. However, this approach is only crowned with success if both parties have a regular monthly income.

More and more people in Switzerland are now conducting their financial transactions on the internet. In addition to managing their own current or savings account, people are also applying for personal loans on the web. From the consumer's point of view, this trend is easy to understand, as they often receive more favourable conditions from financial institutions when applying for a loan on the web.

Those who are well versed in their field are highly sought after by employers. This esteem is reflected not only on a personal level, but also in financial terms. Accordingly, the expenses for further education can quickly pay off. Have you already found your ideal in-service training? If, however, obligations to your employers or the high expenses should cause you a stomach ache, we have the optimal solution for your concerns: Our continuing education loan is your discreet, flexible as well as cost-effective option to really get started professionally.

Do you currently have several loans with different financial institutions and have difficulty keeping track of them? Many people are familiar with this situation - but there is a solution! With our flexible personal loan, you can pay off your current loans and consolidate them into a single loan package. This not only means considerable interest savings, but also simplifies your financial organisation. Home-made administrative chaos is now a thing of the past.

To get an installment loan, it is not enough to meet the budget criteria as well as conditions of the financial institutions. In the last instance, the scoring decides whether your application will be approved or rejected. Once you submit your completed application to a bank, they will calculate your available monthly margin and check your scoring score. Based on these results, it will be decided whether you will be granted a loan.

Whether for a new job or for the family, a car is often important or even indispensable. If you're looking to buy a used or new car, your car dealer will probably tout the benefits of leasing. However, we see it differently, which is why you should consider our flexible car loan. To make sure you know all the facts about the two alternatives, we've compared car leasing with our online car loan. Decide for yourself which finance suits you.

Are you planning to furnish your home with more modern furniture or move to another apartment? With our furniture loan you choose a flexible online personal loan that relieves your household budget. It's a comforting feeling to be able to face the move calmly, as you can comfortably pay the rental deposit as well as newly purchased furnishings in installments.

Whether you want to give your walls a fresh coat of paint or replace the old carpet in your living room with laminate flooring, our flexible instalment loan will help you improve your home easily and cost-effectively.

Taking out a loan is almost always associated with risk. This is especially true for large loan amounts.

Anyone who wants to apply for a loan from a bank can do a lot of things wrong when filling out the form. In some cases, information or small additional details about the applicant's financial situation can be decisive for the loan approval. To increase the chances of your request being approved, there are a few things you should keep in mind. Furthermore, you should know which points the lenders look at more closely and how they evaluate your loan application.

Credit and health? Not everyone can see the connection between these two words at first glance. This is understandable, because paying for medical measures and operations with borrowed capital is not yet commonplace in our society. On the other hand, health insurers have been cutting back the standard catalogue of services more and more.

The credit requirements of foreigners with residence permits differ significantly from those of locals. We often hear the following question in this context: "I have just moved to Switzerland and need a loan. Do I have to observe a certain waiting period?" However, the credit banks are reluctant to answer this.