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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