{"id":22753,"date":"2021-06-24T10:42:08","date_gmt":"2021-06-24T08:42:08","guid":{"rendered":"https:\/\/www.bestfinance.ch\/?page_id=22753"},"modified":"2026-03-01T13:34:56","modified_gmt":"2026-03-01T12:34:56","slug":"credit-info-migrosbank","status":"publish","type":"page","link":"https:\/\/www.bestfinance.ch\/en\/kredit-info-migrosbank\/","title":{"rendered":"Credit info Migrosbank"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"22753\" class=\"elementor elementor-22753\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-51c88c50 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"51c88c50\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5b542645\" data-id=\"5b542645\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-40ddcde elementor-widget elementor-widget-html\" data-id=\"40ddcde\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<style>\r\n  :root {\r\n    --orange: #E8651A;\r\n    --orange-light: #F28C38;\r\n    --dark: #1A1A1A;\r\n    --text: #2D2D2D;\r\n    --text-muted: #6B6B6B;\r\n    --bg: #FAFAF8;\r\n    --white: #FFFFFF;\r\n    --border: #E8E6E1;\r\n    --green: #2E7D4F;\r\n    --green-bg: #EEF7F1;\r\n    --red: #C0392B;\r\n    --red-bg: #FDF0EE;\r\n    --blue-bg: #EDF3FA;\r\n    --blue: #2C5F8A;\r\n    --card-shadow: 0 1px 3px rgba(0,0,0,0.04), 0 8px 24px rgba(0,0,0,0.06);\r\n    --radius: 14px;\r\n    --content-px: 24px;\r\n  }\r\n  * { margin: 0; padding: 0; box-sizing: border-box; }\r\n  html { scroll-behavior: smooth; }\r\n  body {\r\n    font-family: 'DM Sans', sans-serif;\r\n    background: var(--bg);\r\n    color: var(--text);\r\n    line-height: 1.7;\r\n    font-size: 17px;\r\n    -webkit-font-smoothing: antialiased;\r\n    -webkit-text-size-adjust: 100%;\r\n    overflow-x: hidden;\r\n  }\r\n  img { max-width: 100%; height: auto; }\r\n\r\n  \/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\r\n     HERO\r\n     \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\r\n  .hero {\r\n    background: linear-gradient(135deg, #1A1A1A 0%, #2D2018 50%, #3A2415 100%);\r\n    padding: 72px var(--content-px) 68px;\r\n    position: relative;\r\n    overflow: hidden;\r\n  }\r\n  .hero::before {\r\n    content: '';\r\n    position: absolute;\r\n    top: -40%;\r\n    right: -10%;\r\n    width: 600px;\r\n    height: 600px;\r\n    background: radial-gradient(circle, rgba(232,101,26,0.15) 0%, transparent 70%);\r\n    pointer-events: none;\r\n  }\r\n  .hero-inner { max-width: 820px; margin: 0 auto; position: relative; }\r\n  .hero-badge {\r\n    display: inline-flex;\r\n    align-items: center;\r\n    gap: 6px;\r\n    background: rgba(232,101,26,0.15);\r\n    border: 1px solid rgba(232,101,26,0.3);\r\n    color: var(--orange-light);\r\n    padding: 6px 14px;\r\n    border-radius: 100px;\r\n    font-size: 13px;\r\n    font-weight: 600;\r\n    margin-bottom: 24px;\r\n    letter-spacing: 0.5px;\r\n    text-transform: uppercase;\r\n    animation: fadeDown 0.6s ease both;\r\n  }\r\n  .hero h1 {\r\n    font-family: 'Fraunces', serif;\r\n    font-size: clamp(28px, 5.5vw, 52px);\r\n    font-weight: 700;\r\n    color: var(--white);\r\n    line-height: 1.15;\r\n    margin-bottom: 18px;\r\n    letter-spacing: -0.5px;\r\n    animation: fadeDown 0.6s 0.1s ease both;\r\n  }\r\n  .hero h1 em { font-style: italic; color: var(--orange-light); }\r\n  .hero p {\r\n    font-size: clamp(16px, 2.5vw, 18px);\r\n    color: rgba(255,255,255,0.7);\r\n    line-height: 1.7;\r\n    max-width: 640px;\r\n    animation: fadeDown 0.6s 0.2s ease both;\r\n  }\r\n  @keyframes fadeDown {\r\n    from { opacity: 0; transform: translateY(16px); }\r\n    to { opacity: 1; transform: translateY(0); }\r\n  }\r\n\r\n  \/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\r\n     QUICK FACTS\r\n     \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\r\n  .facts-bar {\r\n    max-width: 960px;\r\n    margin: -36px auto 0;\r\n    padding: 0 var(--content-px);\r\n    position: relative;\r\n    z-index: 10;\r\n    animation: fadeDown 0.6s 0.35s ease both;\r\n  }\r\n  .facts-grid {\r\n    display: grid;\r\n    grid-template-columns: repeat(5, 1fr);\r\n    background: var(--white);\r\n    border-radius: 16px;\r\n    box-shadow: var(--card-shadow);\r\n    overflow: hidden;\r\n  }\r\n  .fact-item {\r\n    padding: 20px 12px;\r\n    text-align: center;\r\n    border-right: 1px solid var(--border);\r\n  }\r\n  .fact-item:last-child { border-right: none; }\r\n  .fact-value {\r\n    font-family: 'Fraunces', serif;\r\n    font-size: clamp(17px, 2.2vw, 22px);\r\n    font-weight: 700;\r\n    color: var(--dark);\r\n    margin-bottom: 3px;\r\n    white-space: nowrap;\r\n  }\r\n  .fact-value.hl { color: var(--orange); }\r\n  .fact-label { font-size: 11.5px; color: var(--text-muted); font-weight: 500; }\r\n\r\n  \/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\r\n     CONTENT WRAPPER\r\n     \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\r\n  .content {\r\n    max-width: 820px;\r\n    margin: 0 auto;\r\n    padding: 56px var(--content-px) 80px;\r\n  }\r\n  .content h2 {\r\n    font-family: 'Fraunces', serif;\r\n    font-size: clamp(24px, 4vw, 34px);\r\n    font-weight: 700;\r\n    color: var(--dark);\r\n    margin: 52px 0 18px;\r\n    letter-spacing: -0.5px;\r\n    line-height: 1.25;\r\n  }\r\n  .content h2:first-child { margin-top: 0; }\r\n  .content h3 {\r\n    font-family: 'Fraunces', serif;\r\n    font-size: clamp(19px, 3vw, 22px);\r\n    font-weight: 600;\r\n    color: var(--dark);\r\n    margin: 32px 0 14px;\r\n    line-height: 1.3;\r\n  }\r\n  .content p { margin-bottom: 16px; }\r\n\r\n  \/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\r\n     PORTRAIT BOX\r\n     \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\r\n  .portrait-box {\r\n    background: var(--white);\r\n    border: 1px solid var(--border);\r\n    border-radius: var(--radius);\r\n    padding: 24px;\r\n    margin: 0 0 8px;\r\n    box-shadow: 0 1px 3px rgba(0,0,0,0.03);\r\n  }\r\n  .portrait-box h3 { margin: 0 0 10px; font-size: 20px; }\r\n  .portrait-box p { font-size: 15px; color: var(--text-muted); margin-bottom: 0; }\r\n\r\n  \/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\r\n     DATA TABLES (responsive)\r\n     \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\r\n  .data-table-wrap {\r\n    margin: 20px 0;\r\n    border-radius: var(--radius);\r\n    overflow: hidden;\r\n    border: 1px solid var(--border);\r\n    box-shadow: 0 1px 3px rgba(0,0,0,0.03);\r\n  }\r\n  .data-table-title {\r\n    background: var(--dark);\r\n    color: var(--white);\r\n    padding: 13px 20px;\r\n    font-family: 'Fraunces', serif;\r\n    font-size: 16px;\r\n    font-weight: 600;\r\n  }\r\n  .data-table { width: 100%; border-collapse: collapse; background: var(--white); }\r\n  .data-table tr { border-bottom: 1px solid var(--border); }\r\n  .data-table tr:last-child { border-bottom: none; }\r\n  .data-table tr:nth-child(even) { background: #F7F7F5; }\r\n  .data-table td {\r\n    padding: 12px 20px;\r\n    vertical-align: middle;\r\n    font-size: 14.5px;\r\n  }\r\n  .data-table td:first-child {\r\n    color: var(--text-muted);\r\n    font-weight: 500;\r\n    width: 38%;\r\n  }\r\n  .data-table td:last-child { font-weight: 600; color: var(--dark); }\r\n  .hl-val { color: var(--orange) !important; }\r\n\r\n  \/* Approval bar *\/\r\n  .approval-bar-bg {\r\n    width: 100%;\r\n    height: 28px;\r\n    background: #E8E6E1;\r\n    border-radius: 8px;\r\n    overflow: hidden;\r\n  }\r\n  .approval-bar-fill {\r\n    height: 100%;\r\n    background: linear-gradient(90deg, var(--green), #3DA063);\r\n    border-radius: 8px;\r\n    display: flex;\r\n    align-items: center;\r\n    justify-content: flex-end;\r\n    padding-right: 10px;\r\n    font-size: 13px;\r\n    font-weight: 700;\r\n    color: var(--white);\r\n  }\r\n\r\n  \/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\r\n     PRO \/ CON CARDS\r\n     \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\r\n  .verdict-grid {\r\n    display: grid;\r\n    grid-template-columns: 1fr 1fr;\r\n    gap: 16px;\r\n    margin: 24px 0 36px;\r\n  }\r\n  .verdict-card {\r\n    border-radius: var(--radius);\r\n    padding: 24px 20px;\r\n    border: 1px solid;\r\n  }\r\n  .verdict-card.pro { background: var(--green-bg); border-color: rgba(46,125,79,0.15); }\r\n  .verdict-card.con { background: var(--red-bg); border-color: rgba(192,57,43,0.15); }\r\n  .verdict-card h3 {\r\n    font-family: 'DM Sans', sans-serif;\r\n    font-size: 13px;\r\n    font-weight: 700;\r\n    text-transform: uppercase;\r\n    letter-spacing: 1px;\r\n    margin: 0 0 14px 0;\r\n  }\r\n  .verdict-card.pro h3 { color: var(--green); }\r\n  .verdict-card.con h3 { color: var(--red); }\r\n  .verdict-card ul { list-style: none; }\r\n  .verdict-card li {\r\n    padding: 6px 0 6px 26px;\r\n    position: relative;\r\n    font-size: 14.5px;\r\n    line-height: 1.5;\r\n  }\r\n  .verdict-card li::before { position: absolute; left: 0; top: 7px; font-size: 14px; }\r\n  .verdict-card.pro li::before { content: '\u2713'; color: var(--green); font-weight: 700; }\r\n  .verdict-card.con li::before { content: '\u2717'; color: var(--red); font-weight: 700; }\r\n\r\n  \/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\r\n     INFO BOX\r\n     \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\r\n  .info-box {\r\n    background: var(--blue-bg);\r\n    border-left: 4px solid var(--blue);\r\n    border-radius: 0 12px 12px 0;\r\n    padding: 20px 22px;\r\n    margin: 28px 0;\r\n  }\r\n  .info-box strong { display: block; color: var(--blue); margin-bottom: 6px; font-size: 15px; }\r\n  .info-box p { margin-bottom: 0; font-size: 15px; }\r\n\r\n  \/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\r\n     CHECKLIST\r\n     \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\r\n  .checklist {\r\n    background: var(--white);\r\n    border: 1px solid var(--border);\r\n    border-radius: var(--radius);\r\n    padding: 24px 20px;\r\n    margin: 24px 0;\r\n    box-shadow: 0 1px 3px rgba(0,0,0,0.03);\r\n  }\r\n  .checklist h3 { margin: 0 0 16px; font-size: 19px; }\r\n  .checklist ul { list-style: none; }\r\n  .checklist li {\r\n    padding: 10px 0 10px 34px;\r\n    position: relative;\r\n    font-size: 15px;\r\n    border-bottom: 1px solid var(--border);\r\n  }\r\n  .checklist li:last-child { border-bottom: none; }\r\n  .checklist li::before {\r\n    content: '';\r\n    position: absolute;\r\n    left: 0; top: 13px;\r\n    width: 18px; height: 18px;\r\n    border-radius: 4px;\r\n    border: 2px solid var(--border);\r\n    background: var(--bg);\r\n  }\r\n\r\n  \/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\r\n     EXCLUSION\r\n     \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\r\n  .exclusion {\r\n    display: block;\r\n    background: var(--red-bg);\r\n    color: var(--red);\r\n    padding: 14px 18px;\r\n    border-radius: 10px;\r\n    font-size: 14.5px;\r\n    font-weight: 500;\r\n    margin: 12px 0 20px;\r\n    border: 1px solid rgba(192,57,43,0.12);\r\n    line-height: 1.55;\r\n  }\r\n\r\n  \/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\r\n     STEPS\r\n     \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\r\n  .steps { margin: 28px 0; }\r\n  .step {\r\n    display: flex;\r\n    gap: 18px;\r\n    padding: 24px 0;\r\n    border-bottom: 1px solid var(--border);\r\n    align-items: flex-start;\r\n  }\r\n  .step:last-child { border-bottom: none; }\r\n  .step-num {\r\n    flex-shrink: 0;\r\n    width: 44px; height: 44px;\r\n    border-radius: 50%;\r\n    background: var(--orange);\r\n    color: var(--white);\r\n    font-family: 'Fraunces', serif;\r\n    font-size: 18px;\r\n    font-weight: 700;\r\n    display: flex;\r\n    align-items: center;\r\n    justify-content: center;\r\n  }\r\n  .step-content { min-width: 0; }\r\n  .step-content h4 {\r\n    font-family: 'Fraunces', serif;\r\n    font-size: 18px;\r\n    font-weight: 600;\r\n    color: var(--dark);\r\n    margin-bottom: 6px;\r\n  }\r\n  .step-content p { font-size: 15px; margin-bottom: 0; color: var(--text-muted); }\r\n\r\n  \/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\r\n     CTA\r\n     \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\r\n  .cta-section {\r\n    background: linear-gradient(135deg, var(--orange) 0%, #D4570F 100%);\r\n    border-radius: 20px;\r\n    padding: 44px 32px;\r\n    text-align: center;\r\n    margin: 48px 0;\r\n    position: relative;\r\n    overflow: hidden;\r\n  }\r\n  .cta-section::before {\r\n    content: '';\r\n    position: absolute;\r\n    top: -50%; left: -20%;\r\n    width: 300px; height: 300px;\r\n    background: radial-gradient(circle, rgba(255,255,255,0.1), transparent 70%);\r\n  }\r\n  .cta-section h2 {\r\n    font-family: 'Fraunces', serif;\r\n    color: var(--white);\r\n    font-size: clamp(22px, 3.5vw, 32px);\r\n    margin: 0 0 10px;\r\n  }\r\n  .cta-section p {\r\n    color: rgba(255,255,255,0.85);\r\n    font-size: 16px;\r\n    margin-bottom: 24px;\r\n    max-width: 520px;\r\n    margin-left: auto; margin-right: auto;\r\n  }\r\n  .cta-btn {\r\n    display: inline-block;\r\n    background: var(--white);\r\n    color: var(--orange);\r\n    padding: 16px 32px;\r\n    border-radius: 10px;\r\n    text-decoration: none;\r\n    font-weight: 700;\r\n    font-size: 16px;\r\n    transition: all 0.25s;\r\n    box-shadow: 0 4px 16px rgba(0,0,0,0.15);\r\n    \/* touch friendly min size *\/\r\n    min-height: 48px;\r\n  }\r\n  .cta-btn:hover { transform: translateY(-2px); box-shadow: 0 6px 24px rgba(0,0,0,0.2); }\r\n\r\n  \/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\r\n     LINKS BOX\r\n     \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\r\n  .links-box {\r\n    background: var(--white);\r\n    border: 1px solid var(--border);\r\n    border-radius: var(--radius);\r\n    padding: 22px 20px;\r\n    margin: 28px 0;\r\n  }\r\n  .links-box h3 { margin: 0 0 12px; font-size: 17px; }\r\n  .links-box a {\r\n    display: inline-flex;\r\n    align-items: center;\r\n    gap: 8px;\r\n    color: var(--blue);\r\n    text-decoration: none;\r\n    font-weight: 500;\r\n    font-size: 15px;\r\n    padding: 10px 0;\r\n    min-height: 44px; \/* touch target *\/\r\n    transition: color 0.2s;\r\n  }\r\n  .links-box a:hover { color: var(--orange); }\r\n  .link-row { display: flex; flex-wrap: wrap; gap: 24px; }\r\n\r\n  \/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\r\n     FAQ (touch-friendly)\r\n     \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\r\n  .faq { margin: 40px 0 0; }\r\n  .faq-item { border-bottom: 1px solid var(--border); }\r\n  .faq-q {\r\n    width: 100%;\r\n    background: none;\r\n    border: none;\r\n    text-align: left;\r\n    padding: 20px 44px 20px 0;\r\n    font-family: 'DM Sans', sans-serif;\r\n    font-size: 16px;\r\n    font-weight: 600;\r\n    color: var(--dark);\r\n    cursor: pointer;\r\n    position: relative;\r\n    line-height: 1.45;\r\n    transition: color 0.2s;\r\n    min-height: 56px; \/* touch target *\/\r\n    -webkit-tap-highlight-color: transparent;\r\n  }\r\n  .faq-q:hover, .faq-q:active { color: var(--orange); }\r\n  .faq-q::after {\r\n    content: '+';\r\n    position: absolute;\r\n    right: 0; top: 50%;\r\n    transform: translateY(-50%);\r\n    font-size: 26px;\r\n    font-weight: 300;\r\n    color: var(--text-muted);\r\n    width: 40px;\r\n    height: 40px;\r\n    display: flex;\r\n    align-items: center;\r\n    justify-content: center;\r\n  }\r\n  .faq-item.open .faq-q::after { content: '\u2212'; color: var(--orange); }\r\n  .faq-a {\r\n    max-height: 0;\r\n    overflow: hidden;\r\n    transition: max-height 0.35s ease, padding 0.35s ease;\r\n  }\r\n  .faq-item.open .faq-a { max-height: 500px; padding-bottom: 20px; }\r\n  .faq-a p { font-size: 15px; color: var(--text-muted); line-height: 1.7; margin: 0; }\r\n\r\n  \/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\r\n     FOOTER\r\n     \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\r\n  .footer {\r\n    text-align: center;\r\n    padding: 36px var(--content-px);\r\n    border-top: 1px solid var(--border);\r\n    color: var(--text-muted);\r\n    font-size: 13px;\r\n  }\r\n  .footer a { color: var(--orange); text-decoration: none; }\r\n\r\n  \/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\r\n     RESPONSIVE: TABLET (max 768px)\r\n     \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\r\n  @media (max-width: 768px) {\r\n    :root { --content-px: 20px; }\r\n\r\n    .hero { padding: 56px var(--content-px) 56px; }\r\n\r\n    .facts-grid {\r\n      grid-template-columns: repeat(3, 1fr);\r\n    }\r\n    .fact-item {\r\n      border-bottom: 1px solid var(--border);\r\n    }\r\n    \/* remove right border on last of each row *\/\r\n    .fact-item:nth-child(3n) { border-right: none; }\r\n\r\n    .verdict-grid { grid-template-columns: 1fr 1fr; gap: 14px; }\r\n\r\n    .cta-section { padding: 36px 24px; }\r\n  }\r\n\r\n  \/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\r\n     RESPONSIVE: MOBILE (max 520px)\r\n     \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\r\n  @media (max-width: 520px) {\r\n    :root { --content-px: 16px; }\r\n    body { font-size: 16px; }\r\n\r\n    \/* Hero *\/\r\n    .hero { padding: 44px var(--content-px) 48px; }\r\n    .hero-badge { font-size: 11px; padding: 5px 10px; margin-bottom: 18px; }\r\n    .hero h1 { margin-bottom: 14px; letter-spacing: -0.3px; }\r\n    .hero p { font-size: 15px; }\r\n\r\n    \/* Facts: 2 col on smallest *\/\r\n    .facts-bar { margin-top: -28px; padding: 0 12px; }\r\n    .facts-grid {\r\n      grid-template-columns: repeat(2, 1fr);\r\n      border-radius: 12px;\r\n    }\r\n    .fact-item {\r\n      padding: 16px 10px;\r\n      border-bottom: 1px solid var(--border);\r\n    }\r\n    .fact-item:nth-child(3n) { border-right: 1px solid var(--border); }\r\n    .fact-item:nth-child(2n) { border-right: none; }\r\n    \/* last item spans full if odd number *\/\r\n    .fact-item:last-child:nth-child(odd) {\r\n      grid-column: 1 \/ -1;\r\n      border-right: none;\r\n    }\r\n    .fact-value { font-size: 18px; }\r\n    .fact-label { font-size: 11px; }\r\n\r\n    \/* Content *\/\r\n    .content { padding: 40px var(--content-px) 56px; }\r\n    .content h2 { margin: 40px 0 14px; }\r\n    .content h3 { margin: 24px 0 10px; }\r\n\r\n    \/* Portrait *\/\r\n    .portrait-box { padding: 20px 16px; }\r\n    .portrait-box p { font-size: 14.5px; }\r\n\r\n    \/* Data tables: stack labels on top of values *\/\r\n    .data-table td {\r\n      display: block;\r\n      width: 100% !important;\r\n      padding: 0 16px;\r\n      font-size: 14px;\r\n    }\r\n    .data-table td:first-child {\r\n      padding-top: 12px;\r\n      padding-bottom: 2px;\r\n      font-size: 12.5px;\r\n      text-transform: uppercase;\r\n      letter-spacing: 0.4px;\r\n    }\r\n    .data-table td:last-child {\r\n      padding-bottom: 12px;\r\n    }\r\n    .data-table-title { padding: 12px 16px; font-size: 15px; }\r\n\r\n    \/* Pro\/Con: stack to single column *\/\r\n    .verdict-grid {\r\n      grid-template-columns: 1fr;\r\n      gap: 12px;\r\n    }\r\n    .verdict-card { padding: 20px 16px; }\r\n    .verdict-card li { font-size: 14px; padding-left: 24px; }\r\n\r\n    \/* Info box *\/\r\n    .info-box { padding: 16px 16px; margin: 20px 0; }\r\n    .info-box strong { font-size: 14px; }\r\n    .info-box p { font-size: 14px; }\r\n\r\n    \/* Checklist *\/\r\n    .checklist { padding: 20px 16px; }\r\n    .checklist li { font-size: 14.5px; padding-left: 30px; }\r\n    .checklist li::before { width: 16px; height: 16px; top: 13px; }\r\n\r\n    \/* Exclusion *\/\r\n    .exclusion { font-size: 13.5px; padding: 12px 14px; }\r\n\r\n    \/* Steps: stack number above text *\/\r\n    .step { flex-direction: column; gap: 10px; padding: 20px 0; }\r\n    .step-num { width: 40px; height: 40px; font-size: 16px; }\r\n    .step-content h4 { font-size: 17px; }\r\n    .step-content p { font-size: 14.5px; }\r\n\r\n    \/* CTA *\/\r\n    .cta-section {\r\n      padding: 32px 20px;\r\n      border-radius: 14px;\r\n      margin: 36px 0;\r\n    }\r\n    .cta-section p { font-size: 14.5px; margin-bottom: 20px; }\r\n    .cta-btn {\r\n      padding: 14px 28px;\r\n      font-size: 15px;\r\n      \/* full width on mobile *\/\r\n      display: block;\r\n      text-align: center;\r\n    }\r\n\r\n    \/* FAQ *\/\r\n    .faq-q { font-size: 15px; padding: 18px 40px 18px 0; }\r\n    .faq-a p { font-size: 14px; }\r\n\r\n    \/* Links *\/\r\n    .link-row { flex-direction: column; gap: 0; }\r\n    .links-box { padding: 18px 16px; }\r\n    .links-box h3 { font-size: 16px; }\r\n\r\n    \/* Footer *\/\r\n    .footer { padding: 28px var(--content-px); font-size: 12px; }\r\n  }\r\n\r\n  \/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\r\n     RESPONSIVE: VERY SMALL (max 360px)\r\n     \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\r\n  @media (max-width: 360px) {\r\n    :root { --content-px: 12px; }\r\n    .hero { padding: 36px var(--content-px) 40px; }\r\n    .hero h1 { font-size: 24px; }\r\n    .fact-value { font-size: 16px; }\r\n    .content h2 { font-size: 22px; }\r\n  }\r\n<\/style>\r\n<\/head>\r\n<body>\r\n\r\n<!-- HERO -->\r\n<header class=\"hero\">\r\n  <div class=\"hero-inner\">\r\n    <div class=\"hero-badge\">\ud83d\udcca Loan comparison 2026<\/div>\r\n    <h1>Migros Bank personal loan: <em>Terms and conditions, interest rates &amp; honest assessment<\/em><\/h1>\r\n    <p>The advertised interest rate starting at 4.90 (%) sounds tempting \u2013 but how realistic is it for you? We&#039;ve analyzed the offer for you.<\/p>\r\n  <\/div>\r\n<\/header>\r\n\r\n<!-- QUICK FACTS -->\r\n<section class=\"facts-bar\">\r\n  <div class=\"facts-grid\">\r\n    <div class=\"fact-item\">\r\n      <div class=\"fact-value hl\">4.9 \u2013 7.9 %<\/div>\r\n      <div class=\"fact-label\">Effective annual interest rate<\/div>\r\n    <\/div>\r\n    <div class=\"fact-item\">\r\n      <div class=\"fact-value\">5,000 \u2013 100,000<\/div>\r\n      <div class=\"fact-label\">Loan amount CHF<\/div>\r\n    <\/div>\r\n    <div class=\"fact-item\">\r\n      <div class=\"fact-value\">6 \u2013 84<\/div>\r\n      <div class=\"fact-label\">Term<\/div>\r\n    <\/div>\r\n    <div class=\"fact-item\">\r\n      <div class=\"fact-value\">20 \u2013 65<\/div>\r\n      <div class=\"fact-label\">Age years<\/div>\r\n    <\/div>\r\n    <div class=\"fact-item\">\r\n      <div class=\"fact-value hl\">75 %<\/div>\r\n      <div class=\"fact-label\">Approval rate<\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/section>\r\n\r\n<!-- CONTENT -->\r\n<article class=\"content\">\r\n\r\n  <!-- PORTRAIT -->\r\n  <div class=\"portrait-box\">\r\n    <h3>Via Migros Bank<\/h3>\r\n    <p>Migros Bank has been offering personal loans since 1983, positioning itself with competitive terms. Currently, interest rates for personal loans range from 4.9% to 7.9% per annum, depending on individual creditworthiness. In addition to new loans, the bank also offers refinancing of existing loans and loan increases.<\/p>\r\n  <\/div>\r\n\r\n  <!-- KONDITIONEN -->\r\n  <h2>All conditions at a glance<\/h2>\r\n\r\n  <div class=\"data-table-wrap\">\r\n    <div class=\"data-table-title\">Terms &amp; Key Data<\/div>\r\n    <table class=\"data-table\">\r\n      <tr><td>Lowest interest rate<\/td><td class=\"hl-val\">4.9 %<\/td><\/tr>\r\n      <tr><td>Highest interest rate<\/td><td>7.9 %<\/td><\/tr>\r\n      <tr><td>Minimum loan amount<\/td><td>CHF 5,000.\u2013<\/td><\/tr>\r\n      <tr><td>Maximum loan amount<\/td><td>CHF 100,000.\u2013<\/td><\/tr>\r\n      <tr><td>Minimum runtime<\/td><td>6 months<\/td><\/tr>\r\n      <tr><td>Maximum runtime<\/td><td>84 months<\/td><\/tr>\r\n      <tr><td>Minimum age<\/td><td>20 years<\/td><\/tr>\r\n      <tr><td>Maximum age<\/td><td>65 years<\/td><\/tr>\r\n    <\/table>\r\n  <\/div>\r\n\r\n  <div class=\"data-table-wrap\">\r\n    <div class=\"data-table-title\">Additional information<\/div>\r\n    <table class=\"data-table\">\r\n      <tr><td>Credit type<\/td><td>New contracts, repayments &amp; loan increases<\/td><\/tr>\r\n      <tr><td>Additional services<\/td><td>Debt forgiveness upon death; repayment possible at any time<\/td><\/tr>\r\n      <tr><td>Residence permit<\/td><td>Swiss citizen or permit B\/C (at least 2 years in Switzerland)<\/td><\/tr>\r\n      <tr><td>employment relationship<\/td><td>Permanent, open-ended contract. Probationary period and retirees excluded. Temporary employment: minimum 1 year with the same firm. Net salary minimum CHF 3,000\/month.<\/td><\/tr>\r\n      <tr><td>Required documents<\/td><td>Valid ID, the last 3 payslips, debt collection information<\/td><\/tr>\r\n      <tr><td>Full repayment possible<\/td><td class=\"hl-val\">Yes<\/td><\/tr>\r\n      <tr><td>Payment holidays possible<\/td><td>No<\/td><\/tr>\r\n      <tr>\r\n        <td>Approval rate<\/td>\r\n        <td>\r\n          <div class=\"approval-bar-bg\">\r\n            <div class=\"approval-bar-fill\" style=\"width:75%;\">75 %<\/div>\r\n          <\/div>\r\n        <\/td>\r\n      <\/tr>\r\n    <\/table>\r\n  <\/div>\r\n\r\n  <!-- PRO \/ CON -->\r\n  <h2>Advantages and disadvantages at a glance<\/h2>\r\n  <p>Here is an overview of the most important strengths and weaknesses of the Migros Bank personal loan.<\/p>\r\n\r\n  <div class=\"verdict-grid\">\r\n    <div class=\"verdict-card pro\">\r\n      <h3>\u2713 Advantages<\/h3>\r\n      <ul>\r\n        <li>Effective annual interest rate from 4.90 % \u2013 one of the lowest on the Swiss market<\/li>\r\n        <li>No processing or completion fees<\/li>\r\n        <li>Early repayment is always free of charge.<\/li>\r\n        <li>Debt forgiveness in case of death included<\/li>\r\n        <li>New contracts, replacements and increases possible<\/li>\r\n        <li>Decision within 48 hours of receipt of documents<\/li>\r\n      <\/ul>\r\n    <\/div>\r\n    <div class=\"verdict-card con\">\r\n      <h3>Disadvantages<\/h3>\r\n      <ul>\r\n        <li>Best interest rate only with excellent credit rating and high income<\/li>\r\n        <li>No fully digital application \u2013 mail required<\/li>\r\n        <li>Self-employed individuals, pensioners, cross-border commuters &amp; those on probation excluded<\/li>\r\n        <li>Payment holidays are not possible.<\/li>\r\n        <li>Minimum income CHF 3,000 net\/month<\/li>\r\n        <li>No transparency in interest calculation<\/li>\r\n        <li>Verification: Employer information will be obtained as a matter of course.<\/li>\r\n        <li>Additional telephone charges<\/li>\r\n        <\/ul>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <!-- ZINSSATZ -->\r\n  <h2>The interest rate in detail: Who actually receives 4.90 %?<\/h2>\r\n  <p>The advertised interest rate of 4.90 % is the best possible rate \u2013 not the norm. The actual range extends up to 7.90 %, and your personal interest rate depends on your individual creditworthiness.<\/p>\r\n  <p>From our experience as loan brokers, we know that in practice, only a few applicants receive the best interest rate. Typically, you need a near-perfect financial profile to achieve this.<\/p>\r\n\r\n  <h3>These conditions increase your chances of getting the best interest rate.<\/h3>\r\n  <div class=\"checklist\">\r\n    <ul>\r\n      <li>At least two years with the same employer, permanent contract<\/li>\r\n      <li>Free net income significantly above CHF 5,000 per month<\/li>\r\n      <li>Impeccable credit history \u2013 no entries with ZEK or CRIF<\/li>\r\n      <li>Permanent residential address for several years, ideally home ownership<\/li>\r\n      <li>No outstanding loans or leases<\/li>\r\n    <\/ul>\r\n  <\/div>\r\n\r\n  <div class=\"info-box\">\r\n    <strong>\ud83d\udca1 Good to know<\/strong>\r\n    <p>For the majority of applicants, the actual interest rate is typically between 6 and 7 per cent. This is precisely why comparing loans from multiple providers is worthwhile \u2013 different banks often assess the same initial situation very differently.<\/p>\r\n  <\/div>\r\n\r\n  <!-- VORAUSSETZUNGEN -->\r\n  <h2>Requirements for the Migros Bank personal loan<\/h2>\r\n  <p>Before submitting an application, check if you meet the basic requirements:<\/p>\r\n\r\n  <div class=\"checklist\">\r\n    <h3>Basic requirements<\/h3>\r\n    <ul>\r\n      <li>Ages between 20 and 65<\/li>\r\n      <li>Permanent, uninterrupted employment contract (after the probationary period)<\/li>\r\n      <li>Net income from CHF 3,000 per month<\/li>\r\n      <li>Swiss citizenship or permit B\/C (at least 2 years in Switzerland)<\/li>\r\n      <li>No outstanding debts and a clean ZEK entry<\/li>\r\n      <li>Temporary employees: at least 1 year with the same temporary employment agency<\/li>\r\n    <\/ul>\r\n  <\/div>\r\n\r\n  <div class=\"exclusion\">\u26a0 No credit available for: self-employed persons, pensioners, persons in their probationary period and cross-border commuters.<\/div>\r\n\r\n  <!-- ANTRAGSPROZESS -->\r\n  <h2>This is how the application process works<\/h2>\r\n  <p>The process is clearly structured, but involves a break in the media. Here are the four steps from request to payment.<\/p>\r\n\r\n  <div class=\"steps\">\r\n    <div class=\"step\">\r\n      <div class=\"step-num\">1<\/div>\r\n      <div class=\"step-content\">\r\n        <h4>Fill out the online form<\/h4>\r\n        <p>On the Migros Bank website, you enter your personal details, income information, and the desired loan amount. The integrated loan calculator shows you an initial estimate of the monthly payment. This takes approximately 10 minutes.<\/p>\r\n      <\/div>\r\n    <\/div>\r\n    <div class=\"step\">\r\n      <div class=\"step-num\">2<\/div>\r\n      <div class=\"step-content\">\r\n        <h4>Compile documents<\/h4>\r\n        <p>You need a valid ID, the last three payslips, and a current debt collection report.<\/p>\r\n      <\/div>\r\n    <\/div>\r\n    <div class=\"step\">\r\n      <div class=\"step-num\">3<\/div>\r\n      <div class=\"step-content\">\r\n        <h4>Sign the application and send it by post.<\/h4>\r\n        <p>Print out the loan application, sign it, and send it along with the required documents by mail to Migros Bank. Unfortunately, digital upload is not possible.<\/p>\r\n      <\/div>\r\n    <\/div>\r\n    <div class=\"step\">\r\n      <div class=\"step-num\">4<\/div>\r\n      <div class=\"step-content\">\r\n        <h4>Examination, contract and payment<\/h4>\r\n        <p>The bank will review your application within approximately 48 hours. If approved, the contract will be drawn up, followed by a 14-day cancellation period. Total time until payout: 2-3 weeks.<\/p>\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <!-- CTA -->\r\n  <div class=\"cta-section\">\r\n    <h2>Find the best interest rate for your situation<\/h2>\r\n    <p>With a single application, you can compare offers from several Swiss lenders free of charge and without obligation.<\/p>\r\n    <a href=\"https:\/\/www.bestfinance.ch\/de\/privatkredit\" class=\"cta-btn\">\u2192 Compare loans now<\/a>\r\n  <\/div>\r\n\r\n  <!-- FAQ -->\r\n  <h2>Frequently asked questions about the Migros Bank personal loan<\/h2>\r\n\r\n  <div class=\"faq\">\r\n    <div class=\"faq-item\">\r\n      <button class=\"faq-q\">What is the interest rate for a Migros Bank personal loan?<\/button>\r\n      <div class=\"faq-a\"><p>The effective annual interest rate ranges from 4.90% to 7.90%. The interest rate you receive depends on your creditworthiness, income, and overall financial situation. The advertised best rate of 4.90% is practically only achievable for individuals with an outstanding financial profile.<\/p><\/div>\r\n    <\/div>\r\n    <div class=\"faq-item\">\r\n      <button class=\"faq-q\">Can I apply for the loan completely online?<\/button>\r\n      <div class=\"faq-a\"><p>No. The application process starts online, but you then have to send the signed loan application along with the required documents by mail. Migros Bank does not currently offer a fully digital application process.<\/p><\/div>\r\n    <\/div>\r\n    <div class=\"faq-item\">\r\n      <button class=\"faq-q\">What income do I need?<\/button>\r\n      <div class=\"faq-a\"><p>The official minimum income is CHF 3,000 net per month. However, for an attractive interest rate, your income should be significantly higher \u2013 ideally over CHF 5,000.<\/p><\/div>\r\n    <\/div>\r\n    <div class=\"faq-item\">\r\n      <button class=\"faq-q\">Can self-employed people apply for this loan?<\/button>\r\n      <div class=\"faq-a\"><p>No. Self-employed individuals are excluded from receiving loans at Migros Bank. This also applies to cross-border commuters, pensioners, and individuals with fixed-term employment contracts or those in their probationary period.<\/p><\/div>\r\n    <\/div>\r\n    <div class=\"faq-item\">\r\n      <button class=\"faq-q\">How long does it take to receive the payout?<\/button>\r\n      <div class=\"faq-a\"><p>From application to transfer, it usually takes two to three weeks. According to Migros Bank, the actual processing time is around 48 hours \u2013 plus postal delivery time and the statutory 14-day cancellation period.<\/p><\/div>\r\n    <\/div>\r\n    <div class=\"faq-item\">\r\n      <button class=\"faq-q\">Can I repay the loan early?<\/button>\r\n      <div class=\"faq-a\"><p>Yes. Migros Bank allows early repayment \u2013 whether in full or in installments \u2013 at any time and without additional costs.<\/p><\/div>\r\n    <\/div>\r\n    <div class=\"faq-item\">\r\n      <button class=\"faq-q\">Are payment holidays possible?<\/button>\r\n      <div class=\"faq-a\"><p>No. Migros Bank does not currently offer the option of taking payment holidays. Monthly installments must be paid continuously.<\/p><\/div>\r\n    <\/div>\r\n    <div class=\"faq-item\">\r\n      <button class=\"faq-q\">Is it worth comparing loan offers?<\/button>\r\n      <div class=\"faq-a\"><p>A comparison is almost always worthwhile. Since each bank assesses creditworthiness differently, the same applicant can receive very different interest rates from different providers. At BestFinance.ch, you can compare multiple offers free of charge and without obligation.<\/p><\/div>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <!-- LINKS -->\r\n  <div class=\"links-box\">\r\n    <h3>Further links to Migros Bank<\/h3>\r\n    <div class=\"link-row\">\r\n      <a href=\"https:\/\/www.migrosbank.ch\/de\/ueber-uns\/unser-unternehmen\/media-investor-relations.html\" target=\"_blank\" rel=\"noopener\">\ud83d\udcf0 Media &amp; Publications \u2192<\/a>\r\n      <a href=\"https:\/\/www.kununu.com\/ch\/migrosbank\" target=\"_blank\" rel=\"noopener\">\u2b50 Migros Bank on Kununu \u2192<\/a>\r\n    <\/div>\r\n  <\/div>\r\n\r\n<\/article>\r\n\r\n<!-- FOOTER -->\r\n<footer class=\"footer\">\r\n  <p>\u00a9 2026 <a href=\"https:\/\/www.bestfinance.ch\/en\/\">BestFinance.ch<\/a> \u2013 Credit comparison Switzerland. All information is provided without guarantee.<\/p>\r\n<\/footer>\r\n\r\n<script>\r\n  document.querySelectorAll('.faq-q').forEach(btn => {\r\n    btn.addEventListener('click', () => {\r\n      const item = btn.parentElement;\r\n      const wasOpen = item.classList.contains('open');\r\n      document.querySelectorAll('.faq-item').forEach(i => i.classList.remove('open'));\r\n      if (!wasOpen) item.classList.add('open');\r\n    });\r\n  });\r\n<\/script>\r\n<\/body>\r\n<\/html>\r\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>&#x1f4ca; Kreditvergleich 2026 Migros Bank Privatkredit: Konditionen, Zinss\u00e4tze &amp; ehrliche Bewertung Der beworbene Zinssatz ab 4.90 % klingt verlockend \u2013 doch wie realistisch ist er f\u00fcr dich? Wir haben das Angebot f\u00fcr dich analysiert. 4.9 \u2013 7.9 % Eff. Jahreszins 5&#8217;000 \u2013 100&#8217;000 Kreditbetrag CHF 6 \u2013 84 Laufzeit Monate 20 \u2013 65 Alter Jahre [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_seopress_titles_title":"Kredit Info: 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