Personal Loan: FAQ

Answers to questions we frequently receive from our customers.

Personal Loan: FAQ

Answers to questions we frequently receive from our customers.

FAQ

  • Swiss nationality, domicile, dwelling or cross-border commuters.
  • To receive a regular paycheck in Swiss francs.
  • If self-employed, you have to introduce your latest taxation decision.
  • If retired or disabled person, you have to present your latest bank credit advice of your annuity.

Yes, you can submit a further request for loan, respecting the parameters of law in Switzerland: “granting of credits is prohibited if it leads to excessive consumer debt” (art. 3 Federal law against unfair competition).

Yes, you can request a loan’s resumption to increase the loan itself, or in order to benefit from a better rate. Simply fill out our credit application and attach a photocopy of the same documents required by us, which later will be viewed in the original form. Credit application can be submitted with the online form, or filling out the PDF and sending it by fax, by mail, or by setting an appointment at our offices in Lugano or in Bellinzona.

There are many good reasons to choose us as a trusted advisor and intermediary for credit and insurances. Our customers’ satisfaction and their recommendation to others are the most important ones.

You can take advantage of many benefits if you decide to choose the creditFinanz SA as your trusted advisor. Here are a few:

  • Our services are free and treated with absolute seriousness and discretion in full respect of the privacy law.
  • We are a serious and legally authorized agency to perform brokering in consumer loans in the entire Switzerland.
  • We are always informed about the latest and best products and prices in the Swiss market, in order to make the best for our customers.

Once you made the loan request, the Bank uses the information you provide to verify with the ZEK (central credit information) and IKO ( central information on consumer credit). Your loan application is also subject to checks by the Office of debt and bankruptcies, in order to verify any insolvency situations.

The funding’s amount and the interest rate will be determined by the Bank, after the examination of the documents supporting the request.

Apply for a personal loan

We offer you the lowest rates practiced in Switzerland, from 4.9%

The amount of the credit and the interest rate will be determined by the Bank, after the examination of the documents supporting the request. The rate applied at the start of the contract remains unchanged for the credit agreement’s duration.

If you choose the mode with the paper form, please download the PDF, print it out, fill it and send it by mail, or give it us directly at one of our offices in Lugano or Bellinzona, where we will be happy to offer you personalized advice.

With both types of request, in a short time, you will have the financial instrument you want, and easily pay the installments in monthly amounts.

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