Our conditions
and credit information
Legal requirements
| Minimum age | 18 |
| Maximum age |
69 years
The loan must be fully repaid by the age of 70 |
| Minimum income | CHF 2'500.00 net |
| ID card |
Swiss passport or ID
Residence permits B/C/L Residence permits B/C/L |
| Working and income conditions |
Permanently employed
Temporary Self-employed |
| Debt collection / garnishments / loss certificates | There must be no open debt collection, garnishment or loss certificates. |
| Taxes | Liabilities are deductible from taxable assets and interest costs from taxable income. |
| Lending | Lending is prohibited if it leads to overindebtedness (Art. 3 UWG). |
Credit Information
| Credit amounts | CHF 1'000-1 Mio. |
| Terms | 6 - 72 months |
| Max. annual interest rate (including all credit costs) | From 3.9 - 10%, depending on the individual offer of the credit bank |
| Brokerage Fees | None |
| Management fees | None |
| Required documents |
Copy of a valid identity document (Swiss passport, ID or residence permit)
Copy of the current payroll (in case of hourly wage of the last three payrolls) |
| Waiting time until credit decision | 24 hours |
| Legal withdrawal period | 10 days |
| Payment methods | Transfer to postal or bank account |
