Frequently asked questions.
What does “instant loan” stand for?
Does it cost anything to apply for a private loan?
Why should I apply with AS Finanz for financing my loan?
Who can apply for a loan?
Is there a minimum or a maximum amount?
How much do I have to earn at least, in order to apply for a loan?
Which documents must I deliver to apply for a loan?
I already have a loan. Can I apply for another one or increase my current loan?
I have running debt collections and/or seizing. What now?
Who decides on height and conclusion of my credit agreement?
What is a ZEK code?
How much interest must I pay?
Who determines the duration of my loan?
Do I have to clarify what I would like to use the money for?
I do not wish anyone to find out that I have applied for a loan. Is that possible?
What does “instant loan” stand for?
AS Finanz Ltd. is the mediation agency with the quickest response time. As soon as we have received your entire documents (see below), the loan decision reaches you within 24 hours.
Does it cost anything to apply for a private loan?
No. We take over all administrative tasks and clarifications free of charge. You pay no handling charges. All you pay for are the monthly rates of your loan.
Why should I apply with AS Finanz for financing my loan?
Especially in the loan area it is significantly important to stay away from unserious offers. With AS Finanz you have an very serious and competent mediation partner on your side. We collect offers from various banks and present the best offer to you. You may count on a professional, reliable consultation. Thanks to our long-standing experience, our excellent reputation in the branch and our good contacts with our partner banks we find a solution for almost any case - we always have an ACE in the sleeve.
Who can apply for a loan?
All owners of a Swiss passport or a foreign identity card of the categories B, C, L and G can apply for a loan, as well as AHV- and IV pensioners. You must be at least 18 and at the most 70 years old.
Is there a minimum or a maximum amount?
We provide private loans from CHF 3.000 to CHF 200.000.
How much do I have to earn at least, in order to apply for a loan?
You should earn at least 2.300 CHF net, so that we can successfully apply for a loan for you.
Which documents must I deliver to apply for a loan?
To apply for your private loan at the bank, you must fill out our request form completely and truthfully. You must send it back to us with an attached copy of your identity card as well as your last pay slip (with fixed wage / monthly wage) or your last three pay slips (with hourly wages and temporary employment).
I already have a loan. Can I apply for another one or increase my current loan?
This is usually not a problem. You can replace your existing loan through lower interest or increase your current loan - speak to us, we will consult you on your possibilities.
I have running debt collections and/or seizing. What now?
If you have running debt collections and/or seizing, we can not apply for a loan for you. You must pay your open debt collections / seizing as soon as possible and be deleted from your debt collection by your creditor. Only then can a loan be applied for.
Who decides on height and conclusion of my credit agreement?
AS Finanz Ltd. is a mediation company. We cooperate with different major banks, which offer personal loans. The major bank, which eventually gives money to you at your disposal, in the end makes the decision according to her calculations whether a loan can be granted to you.
What is a ZEK code?
ZEK stands for "Central office for loan information". There it is registered if you have not paid off your loan regularly and properly. If you have a negative ZEK code, the bank will grant you no credit.
How much interest must I pay?
On account of the information which you provided in the request form, the bank calculates a budget for you to which your loan is tuned. The actual annual interest which varies between 8.25% and 13.5% arises from your credit-worthiness. Of course we collect different offers and present to you the most favourable one.
Who determines the duration of my loan?
You yourself determine the duration. You can decide completely freely how many monthly rates you would like to pay. 6 to 60 months are eligible.
Do I have to clarify what I would like to use the money for?
No. You do not need to inform anyone on why you are requesting a credit. This is your decision and is not of any interest neither to us, nor to the money-giving bank.
I do not wish anyone to find out that I have applied for a loan. Is that possible?
Certainly. We handle all loan applications 100% discreetly. The banks, as well as we, are subjected to the banking secrecy. Nobody except for us and the bank will find out that you have concluded a loan contract.
Kostenlose Beratung / Consultation gratuite / Consultazione gratuita / Free consultation:
+41 (0)43 355 99 44
Täglich 08-22 Uhr, Lokaltarif.Krankenkassen-Beratung: +41 (0)43 355 99 42.
