How to get a personal loan in Switzerland

Here are 6 points that you must take into consideration when submitting an online loan in Switzerland:

1. Ensure that you meet the basic conditions for obtaining consumer credit. The basic conditions are founded on the following 4 criteria:
   • Your age
   • Loan with C permit or Swiss nationality
   • Loan with B permit
   • Loan for cross-border worker
   • Loan with Legitimation card
   • Your professional situation
     • Loan for pensioner AHV, IV
     • Loan for self-employed worker, director
     • Loan for temporary worker
   • Your financial situation
2. The amount requested in your loan application must be less than or equal to the maximum amount authorised in relation to your personal situation.
   How do I calculate this ceiling? You will receive an instant response after completing our online application form:
   • if the provisional response is green: the amount requested is less than or equal to the authorised ceiling
   • if the provisional response is orange: the amount requested is greater than the authorised ceiling. One of our advisors will describe the different possibilities available to you and the recommended choices for obtaining a positive response from the financial institutions.
   • if the provisional response is red: you do not meet the basic conditions for obtaining a loan
3. There are 2 ways in which you can submit your loan application:
   • Download and print the loan application form in PDF format. Once completed, send it to us:
     - either by fax at +41 (0)848 11 2000,
     - or by post: CC Crédits Conseils SA - CP 636 - 1290 Versoix, Switzerland
   • Complete the online form in less than 5 minutes and receive an instant provisional response!
4. After completing the form, we will notify you of the mandatory documents that you must transmit so that we can process your application. As soon as we have received all documents, a final response will be issued within 24 hours after a full review of your credit rating.
5. The money is deposited just 14 days after signing the contract!
   Why 14 days? This is because of the cancellation right allowing you to withdraw your loan application during this period of time
after a full review of your credit rating.

Personal Loan

• High acceptance rate of files
• Interest rates from 5.9%
• Financial amount: 5’000 to 400'000 CHF
• Flexible duration of credit: 6 to 120 months
• Immediate reply of principle
• Final reply under 24 hours after a full review of your credit rating
• No file fees

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