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Credit Simulation
Desired amount
Chf
Minimum amount Chf 5'000.-
Maximum amount Chf 400'000.-
Duration: 6 to 120 months
From 5.9%
from Chf
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You are here : Homepage » Your profile » Professional situation » Pensioners AHV - IV
  • Age
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    • Permit B
    • Transfrontier worker
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  • Professional situation
    • Pensioners AHV - IV
    • Independent - Director
    • Temporary– Interim
  • Financial situation

Loans for pensioners, AHV - IV

Do you have disability insurance as a IV pensioner and want to obtain a personal loan in Switzerland ?
Have you stopped working because you are retired?

The conditions for obtaining a personal loan are as follows :

Last 3 entry notices

If you are a AI or AHV pensioner, in all cases a decision will have to be made based on the last 3 notices of pension receipt.

Maximum credit amount

The maximum amount of the loan cannot exceed 5 times the monthly pension.

If you are retired / AHV pensioner

Minimum income of 3000 chf net per month.

Offer for AHV pensioners

  • Interest rates: from 7.9% to 9.9% (If you are a homeowner, the starting rate is 6.9%, and can go down to 5.9%)
  • Amount to be financed: from chf 5,000 to 80,000
  • Repayment term: must be repaid by age 70
  • No administrative costs

Offer for IV pensioners

  • Interest rates: from 7.9% to 9.9% (If you are a homeowner, the starting rate is 6.9%, and can go down to 5.9%)
  • Amount to be financed: from chf 5,000 to 80,000
  • Repayment period: maximum 36 months
  • The loan must be repaid by age 65
  • No administrative costs

One of the lowest monthly payments in Switzerland.

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Documents to be submitted for pensioner AHV-IV

  • For Swiss citizens: copy of identity card or passport or driving licence
  • For foreigners: copy of residence permit (B or C)
  • Decision on pension(s) (OASI, DI or BVG)
  • Notice of receipt of the pension in your bank account for the last 3 months
  • Last 3 bank credit notices of pension(s)

Additional conditions for acceptance of loan application

Other conditions of acceptance :

  • Loan age limit
  • Loan with C permit or Swiss nationality
  • Loan with B permit
  • Loan for Cross-Border commuters
  • Loan with Legitimation card
  • Financial situation

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Calculation example


CHF 20,000 over a period of 24 months at an annual percentage rate of 5.9% to 10.95%:
The total interest amounts to a minimum of 875.60 CHF (5.9% effective) and a maximum of 2044 CHF (10.95% effective)
Maximum annual percentage rate: 10.95% (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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