FAQs

A Personal loan is a unsecured loan, which you can take out as a private individual. You decide for yourself what you use the money for – for example, furniture, holidays, further education, a car or to consolidate existing loans.
Repayment is made in monthly installments over a term of 6 to 120 months. At kredit.ch Then your Online loans in Switzerland non-binding, safe and Apply ZEK-neutral.

For a Loan in Switzerland in order to apply, the following conditions must be met:

• Minimum age 18 years
• Permanent residence in Switzerland
• Regular income
• No serious negatives ZEK entries
• No ongoing or serious Debt collection proceedings
• Valid Swiss passport or Residence permit B or C
• For residence permit B: at least 12 months of residence in Switzerland

Each loan application is reviewed individually. Our loan experts

At kredit.ch you can get a Loan from CHF 1,000 to CHF 250,000 to record.
The possible loan amount depends on several factors, including:

• Your income
• Your credit rating
• Your overall financial situation

With the loan calculator on kredit.ch you can immediately see which monthly payment and loan term are suitable for your loan. Online loan are realistic.

Yes. With a Debt restructuring you can refinance existing loans with a new loan offering better terms. Advantages include:

• Lower interest costs
• Lower monthly payments
• Greater clarity through just one loan

kredit.ch compares the best offers for you free of charge. Debt restructuring in Switzerland.

Yes too Pensioners can apply for a loan. A prerequisite is a secure pension or a regular income that guarantees repayment.
Our consultants will assess your individual situation and find a suitable solution for you. Personal loan Switzerland.

Also Self-employed people can get a loan at kredit.ch Take out a loan. In addition to the usual information, proof of income is required, for example:

• Tax returns
• Annual financial statements
• Financial statements

Our experts will help you choose the appropriate loan amount and term.

Students can usually no personal loan to be admitted, as a regular income is a requirement.
However, if you work alongside your studies and have a verifiable income, we will review your loan application individually and advise you on possible alternatives.

Yes. Loan interest is tax-deductible in Switzerland.You can declare the interest paid as debt interest in your tax return and thus reduce your tax burden.
Our consultants will be happy to explain how you can make the best use of this advantage.

Yes. With a Credit consolidation several existing loans can be combined into a single loan. This offers the following advantages:

• Only a monthly payment
• Frequently better interest rates
• Greater overview and planning security

kredit.ch checks free of charge whether a consolidation of your loans is worthwhile.

Late payments may incur reminder fees and additional costs. Furthermore, a negative ZEK entry affect your future creditworthiness.
Important: Contact us early. Together we will find a solution before serious consequences arise.

The processing of your Online loan application this usually happens very quickly:

• Credit decision usually within 1-2 working days
• Payout a few days after signing the contract

This is how you can Credit in Switzerland record quickly and easily.

Your chances of getting Credit in Switzerland rise if you:

• Proof of regular income
• No outstanding debts
• Declare all income correctly (including side income)
• Plan the monthly payment realistically

Our independent credit experts will help you improve your credit rating and your Successfully apply for a loan.