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Your personal loan in Switzerland with CC Crédits Conseils SA
Credit Simulation
Desired amount
Chf
Minimum amount Chf 5'000.-
Maximum amount Chf 400'000.-
Duration: 6 to 120 months
From 4.9%
from Chf
Loan application Loan application
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Online application Increasing a loan Debt consolidation
Your personal loan in Switzerland with CC Crédits Conseils SA
Personal LoanPersonal Loan
Debt Consolidation LoanDebt Consolidation Loan
Your ProfileYour Profile
Your ProjectYour Project

An overview of our services

✓ Online loan application in under 3 minutes
✓ Reply within 24 hours
✓ For a loan amount of CHF 5,000 to 250,000
✓ Repayment period: minimum 6 months - maximum 120 months.
✓ Among the lowest interest rates in Switzerland, starting at 4.9%
✓ Maximum annual percentage rate: 9.95% (includes the broke’s fee, administrative fees and compulsory death insurance)
✓ No application fees
✓ Full discretion
✓ Affordable monthly payments
✓ Insurance offers to cover you against everyday risks

We do not offer debt collection services and our services are subject to the Swiss Consumer Credit Act (CCA)

Michael is very supportive consultant, always available and ready to answer every question any time. He helped me to find a bank when I urgently needed a credit in very short period of time. I was also updated on every step in the process. I strongly recommend Crédits Conseils!

Bea M.

Excellent job. Very responsive and helpful. I can strongly recommend CC Crédits Conseils to everyone. One will definitely have a higher chance to get a loan when applying through CC Credits Conseils. I even got a bigger loan than what I had requested.

Sina A.

Amazing service from CC Crédits! Michael is super helpful and friendly. He tried his best to help us get the best deal from the bank. With his help, we successfully got an offer from the bank and being paid in 2 weeks. Super punctual and professional.

Angela F.
See more reviews

High acceptance rate !

Our work method, which is based on a thorough analysis of files, our long experience in the loan field and our independence from banks mean we have one of the best success rates compared to our competitors.

The best advices

Our main advantage is our longtime experience of the market & a seamless knowledge of the different offers proposed by the various actors of the Swiss financial market. We will therefore choose the best financial partner that will suit your project and its specificities.

Our work is distinguished by a thorough review of your file to advise you for the best. We support you through all the steps to put every odd in your favor at the time of the presentation of your loan application to a financial organization. You will therefore have a seamless file and will really increase your chances to get the loan you want.

Get a loan with advantageous conditions in Switzerland

By prioritising customised advice and the in-depth analysis of loan applications, CC Crédits Conseils SA obtains an above-average acceptance rate for private loan and debt consolidation loan applications. Moreover, as the number 1 Swiss broker, our business volume guarantees the best market rates.


No-strings application in 24 hours!

Loan application

Starting at 5,000 CHT at 4.9% for 6 to 120 months

Increasing a loan

Are you already paying off a loan but are looking for additional loan?

Debt consolidation

Personal loan, lease, credit cards: reduce your interest rate, 1 monthly repayment, adapt your monthly repayment amount to suit your budget.

Loan application

Starting at 5,000 CHF at 4.9% for 6 to 120 months

Increasing a loan

Are you already paying off a loan but are looking for additional loan?

Debt consolidation

Personal loan, lease, credit cards: reduce your interest rate, 1 monthly repayment, adapt your monthly repayment amount to suit your budget.

We do not offer debt collection services and our services are subject to the Swiss Consumer Credit Act (CCA)

Michael is very supportive consultant, always available and ready to answer every question any time. He helped me to find a bank when I urgently needed a credit in very short period of time. I was also updated on every step in the process. I strongly recommend Crédits Conseils!

Bea M.

Excellent job. Very responsive and helpful. I can strongly recommend CC Crédits Conseils to everyone. One will definitely have a higher chance to get a loan when applying through CC Credits Conseils. I even got a bigger loan than what I had requested.

Sina A.

Amazing service from CC Crédits! Michael is super helpful and friendly. He tried his best to help us get the best deal from the bank. With his help, we successfully got an offer from the bank and being paid in 2 weeks. Super punctual and professional.

Angela F.
See more reviews

Loan offers

  • Interest rate
    from 4.9% to 9.95%
  • Loan amount from
    5,000 to 250,000 CHF
  • Flexible repayment period from
    6 to 120 months
  • No administration fees

3-step application process

  1. Form, telephone or post / fax
  2. Submission of mandatory documents
  3. Final response within 24 hours

The documents required depend on your profile

  • Swiss nationality and C permit, foreigner with B permit, Swiss resident
  • Self-employed or director, Swiss resident
  • Cross-border worker: employee in Switzerland, foreign resident
  • Pensioner AHV-IV
  • International civil servant, Swiss resident

Loan documents required

Our commitments Offer and conditions An easy, customised solution

Our commitments

Crédits Conseils helps you optimise your file, increasing your chances of being granted a loan by a bank. Whether you are applying for a loan, requesting a loan increase or consolidating several loans, we take your needs into account. We are there to help you get the funds you need to improve your daily life and carry out your project at the time you choose.

We work with major financial organisations lending money to individuals. Since we are neutral and independent, we can direct your profile towards the bank that meets your requirements on the best terms.

You are guaranteed that neither your employer nor your spouse will be informed of your undertaking, and we will not contact them at any time, unless you choose to do so. Furthermore, their information is only used for the purpose of scoring your profile.

Our work method, which is based on a thorough analysis of files, our long experience in the loan field and our independence from banks mean we have one of the best success rates compared to our competitors.

An overview of our services

✓ Online loan application in under 3 minutes
✓ Reply within 24 hours
✓ For a loan amount of CHF 5,000 to 250,000
✓ Among the lowest interest rates in Switzerland, starting at 4.9%
✓ No application fees
✓ Full discretion
✓ Affordable monthly payments
✓ Insurance offers to cover you against everyday risks

What is the basic offer?

  • Attractive interest rates: from 4.9% to 9.95%
  • Amount to be financed: CHF 5,000 to 250,000
  • Loan duration: 6 to 120 months

What are the requirements to apply for a loan from the bank?

In general, the minimum requirements for all types of loans are the following:

  1. Being between 18 and 70 years old. However, some banks and financial institutions can lend to older individuals;
  2. Being of Swiss nationality or being a resident holding a C permit, a B residence permit, being a cross-border commuter, holding a legitimation card;
  3. Having one’s residence in Switzerland;
  4. Having a provable income. To that effect, at the time of application, the applicant must provide the bank with tax documents showing his or her economic situation;
  5. Being exempt from any lawsuit or declaration of insolvency;
  6. Being exempt from penalising entries (code 03, 04, 05 or 09) at the Zek as a result of issues regarding cash credits or cards (late payments, request for a reduction in the monthly payments, etc.).

The bank decides whether to grant the loan based on its risk policy and the applicant’s ability to pay.

With regard to the former aspect, each bank assesses the statistical data already in its possession in order to keep defaults below a certain threshold, and with regard to a client’s ability to pay, it takes into account the ratio between monthly payments and the applicant's income.

Together, we come up with a solution to carry out your project while keeping your budget under control, with affordable monthly payments.

A unique vision of loans: an easy solution tailored for you!

In some cases, in order to grant a loan, the bank or financial institution may require additional guarantees beyond the minimum requirements. We are aware that the loan application process is not easy. Why is that?

Because often it is not sufficiently clear or well explained. At Crédits Conseils, we make loans and the loan application process easy and understandable. To make your life easier and to provide you with a solution that’s adapted to your profile and your needs, we focus on permanent human contact and clear, transparent explanations.

How do you evaluate a bank loan?

In order to choose the loan that is best suited to your needs, you should take into account the varying duration of the loan from one bank to another, which depends on a number of variables.

Crédits Conseils helps you achieve your dream and move your life forward by bringing oxygen to your everyday life. By adjusting your monthly payments, you can easily manage your budget and carry out the project that is important to you.

To be precise, it depends on:

  • The loan amount, i.e. the amount of money requested;
  • The loan duration, i.e. the time required to repay the loan to the bank or financial institution;
  • The number of payments. From this point of view, your income has to be taken into account to precisely determine how much you can afford to pay each month, after deducting ordinary expenses;
  • The interest rate, which is applied by the financial institution providing the loan.

Personalised support that is unique in Switzerland

You can also request insurance cover such as life insurance to cover the loan when it is particularly long and the due date is at an advanced age, as well as a fire or explosion damage insurance policy to secure the property for which the loan was granted.

At Crédits Conseils, we take care of the entire administrative aspects of the loan application so that you can concentrate on carrying out your project, and only on that.

Our specificity? Optimising your file with the banks by acting at the right time, in a precise and transparent way. We know the market and its codes. Based on this knowledge and our expertise, we know how to increase the chances of a bank accepting your application. Once we have received all the documents required, we shall take care of everything. 24 hours later, you will receive a definitive answer from the bank.

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Calculation example


CHF 20,000 over a period of 24 months at an annual percentage rate of 4.9% to 9.95%:
The total interest amounts to a minimum of 875.60 CHF (4.9% effective) and a maximum of 2044 CHF (9.95% effective)
Maximum annual percentage rate: 9.95% (includes the broker's fee, administrative fees and compulsory death insurance)
Repayment period: minimum 6 months - maximum 120 months.
Application fee: CHF 0
Loans are prohibited if they lead to excess consumer debt (Article 3 UC).

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CC Crédits Conseils SA
Chemin Ami Argand 11
1290 Versoix

T: 0848 10 2000

F: 0848 11 2000

E: info@creditsconseils.ch

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