Questions? Honest answers.

You're between 18 and 69 years old, earn at least CHF 3'000 net per month, hold a Swiss passport, a residence permit B (at least 12 months in Switzerland), C, or a cross-border commuter permit G, and have no open debt collection proceedings, wage garnishments, or certificates of unpaid debt. AHV and IV pensioners can also apply. Legal notice (Art. 3 UWG): granting credit is prohibited if it would lead to over-indebtedness.

As a rule, a copy of your valid ID (ID card or passport, or the foreign national's residence permit for non-Swiss nationals) and your last one to three payslips — all pages. Other documents are handled individually: the details are collected during the application process and you'll receive a personalized checklist.

Yes, you can start your request at any time. We can only submit the application to the bank once all documents are complete. The faster the documents reach us, the faster the decision.

Yes. Visit us at Lindenplatz in Zürich-Altstetten (Badenerstrasse 676) or call us at 043 355 99 44 — we advise in German, French, Italian, English, and Portuguese.

Personal loans start at CHF 3'000. The Consumer Credit Act (KKG) governs loans from CHF 500 to CHF 80'000. Above that, loans are also possible but aren't subject to KKG provisions. The maximum loan amount depends on your income and budget — we calculate that for you.

Anything — the personal loan isn't earmarked for a specific purpose. Car, furniture, renovation, moving, further education, or paying off expensive loans: you don't have to prove a purpose.

No. We contact neither your employer nor your primary bank. Your request is transmitted confidentially and encrypted.

Generally no. Most banks require an existing, open-ended employment relationship outside the probation period. Some institutions accept applications starting the first day after the probation period ends.

Yes, provided you've lived in Switzerland for at least 12 months (24 months at some banks) and can prove a regular income. The B permit alone isn't a reason for rejection — what matters is length of residence and employment status.

Possible, but only if you've been employed by the same temp agency for at least 12 months (a framework contract must be submitted) and can show at least 6 payslips. Short-term or changing temp assignments aren't sufficient.

Self-employed individuals with an AG, GmbH, or sole proprietorship can apply for a loan, provided the company has existed for at least 2 years. Depending on the bank, different documents are required: payslips and account statements, or a definitive tax assessment (no more than 2 years old). Not all banks grant loans to self-employed people — we check which options exist.

Yes, AHV and IV pensioners can apply for a loan. The pension counts as regular income. The maximum term is calculated so the loan is fully repaid before age 70.

Yes. Married couples and registered partnerships can submit a joint application. The partner's income is factored proportionally into the budget, which can significantly increase the maximum loan amount.

No. Swiss banks don't allow joint applications for unmarried couples. Only your personal situation as the applicant is assessed. What matters is that it's clearly defined who pays what for expenses: ideally, both people are named on the lease, or there's a sublease agreement. If your partner isn't on the lease, proof of rent payments should be available (e.g., bank transfer). That way, only your actual share of the rent is charged in the budget.

Yes. You receive the amount in your account and buy freely — a new car from a dealer, a used car from a showroom, or directly from a private seller.

No. No down payment is needed for a car loan. You can finance the full purchase price and repay it in equal installments.

Registered companies with at least two years of business activity, annual revenue of at least CHF 100'000, positive ongoing EBIT, and positive equity.

A copy of the ID of the person with signing authority, the last two annual financial statements, six months of company account statements, and the MWST and social insurance statements for the last six months.

No. The SME loan is debt capital — you retain full control and give up neither shares nor voting rights.

No. By law, you as a customer never pay fees for loan brokerage — whether through us or another broker. All costs are covered by the effective annual interest rate. Advice and brokerage are free for you; if successful, we're compensated by the lending bank.

The effective annual interest rate ranges between 4.9% and 9.95%, depending on creditworthiness and lender. You'll see, without obligation, which rate applies to you along with the decision. In the loan calculator you can run through all the tiers.

The individual interest rate depends on your creditworthiness, the loan amount, and the term. Lenders price interest based on risk — the better your creditworthiness, the lower the rate. Each bank also weighs its own factors, such as residence permit, length of employment, and industry.

It covers all loan costs per year — interest and any fees — making offers comparable. The effective annual interest rate is capped by law in Switzerland and is the only reliable benchmark when comparing loans.

The maximum effective annual interest rate for consumer loans is currently 10%. Through us you get offers from 4.9% to 9.95%, depending on creditworthiness and profile.

No. Optional payment protection insurance is shown separately and is not included in the effective annual interest rate.

Yes. Interest paid on debt (the interest portion of your installment) is deductible from income tax. In addition, the remaining debt as of December 31 reduces your taxable wealth. Request the annual interest confirmation from your bank.

Yes. The remaining debt must be declared in the list of debts. In return, you may deduct the interest paid. Anyone who doesn't declare the loan forfeits the tax deduction.

Yes. Even after debt consolidation, the interest on the new loan remains deductible. For the year of the consolidation, you may need two interest confirmations — one from the old lender and one from the new one.

No. For tax purposes, lease payments count as rental fees, not as debt interest. They can't be deducted from taxable income. The leased item remains the property of the leasing company — as of December 31 you have neither a tax liability nor an asset to declare.

The lease payment is often lower because only the depreciation is financed. Once you factor in the mandatory comprehensive insurance, mileage costs, and the missing residual value, a loan is often cheaper over the holding period — because you're the owner from day one.

An overdraft lets you temporarily overdraw your account and is usually significantly more expensive. A cash loan has a fixed amount, a fixed term, and a predictable installment — cheaper for anything that lasts longer than a few days.

In the best case, 16 days: 1 day for review and decision, 1 day for signing the contract, 14 days for the statutory right of withdrawal. The transfer is made the day after the period expires. For loans over CHF 80'000, the right of withdrawal doesn't apply — the payout can happen faster.

It's anchored in the Consumer Credit Act (KKG Art. 16) and gives you 14 days to withdraw from the contract in writing, without giving a reason. The period applies to all KKG-covered loans up to CHF 80'000. The amount isn't paid out during the right-of-withdrawal period.

At any time, in full or in part — with no prepayment penalty. This is enshrined in law (KKG Art. 17). You only pay interest for the actual term.

Yes — the vehicle is yours from the moment of purchase. You can sell it at any time and repay the loan early.

Not directly. With a lease, you can buy out the vehicle early by paying the outstanding installments plus the residual value. The terms are set out in the lease agreement.

Contact the bank early — the sooner you do, the more room there is to maneuver. Unpaid installments can lead to a negative ZEK entry (creditworthiness code 3 or 4), which stays on file for 3 to 5 years after the contract ends and makes future loan applications harder.

No. Both the installment amount and the interest rate are fixed by contract. If you want to extend the term or adjust the installment, you need to enter into a new loan agreement with the bank — for example, refinancing the remaining balance over a longer term. Note: that means a completely new creditworthiness check, including a ZEK inquiry. The whole process starts over.

The term is historical. You receive the money as a transfer to your bank or postal account — freely available.

The ZEK (Central Office for Credit Information) is a voluntary association where banks report ongoing loans, rejections, and payment history. Reporting to the IKO (Consumer Credit Information Office) is legally required — both systems are run by the same office in Zürich. ZEK/IKO is queried before every loan is granted. Important: a ZEK entry is only created once the bank opens a loan application. If you apply through us and we determine the application currently has no chance, we don't forward it to the bank at all — and no ZEK entry is created.

The IKO is the legally mandated information office for KKG consumer loans (CHF 500–80'000). The ZEK is a voluntary association that stores more broadly — including cards, current accounts, and loans over CHF 80'000. The biggest difference: at the IKO, data is deleted 14 days after the contract ends. At the ZEK, it stays on file for 3 to 5 years.

Every loan application submitted to a bank is registered with the ZEK and is visible to other banks. Multiple requests at different banks in a short period are treated as a risk signal — banks see it as a sign that the customer urgently needs money, and reject the application. Applying through us has two advantages: first, we assess your situation in advance — if we see it currently won't work, we don't forward the application and no ZEK entry is created. Second, if the assessment is positive, we place exactly one request with the matching bank — instead of you applying to several banks yourself and leaving an entry everywhere.

Your data is transmitted SSL-encrypted and used only for the loan assessment. It's shared exclusively with the partner bank involved — details in our privacy policy.

What matters is your budget, not the number of contracts. Existing loans are factored into the budget (outstanding balance ÷ 36 months). If enough attachable income remains even so, another loan is possible. Often, consolidating (debt restructuring) is the better option — one installment instead of several, and the budget burden goes down.

With open debt collection proceedings or certificates of unpaid debt, granting a loan is generally not possible — even a single collection entry can push the CRIF score below the threshold at which banks automatically reject. Once the collection proceedings are paid and removed from the register, the starting position improves. We assess your situation and tell you whether and when an application makes sense.

A debt collection entry generally stays visible in the register for 5 years from the date it was initiated.

Yes. Contact the person or company that initiated the debt collection — as a rule, the entry is removed for a fee. Only the initiating party can arrange the removal. Exception: if you filed an objection (Rechtsvorschlag), you can make the entry invisible after 3 months.

No. The creditworthiness check (CRIF score, payment history) is a voluntary risk decision by the bank. Only the credit capacity check (budget calculation under the KKG) is legally required. In practice, though, banks always carry out both.

Yes. You can request a self-disclosure from CRIF, ZEK, IKO, Intrum, and the debt collection office. This lets you see what data is stored about you — and have incorrect entries corrected before you submit a loan application.

Yes. Almost every borrower in Switzerland has a ZEK entry — that alone isn't a problem. What matters is the creditworthiness code: an ongoing loan with Code 0 (good creditworthiness) or 2 (regular repayment) is unproblematic. Negative codes (3, 4, 5) make the application significantly harder.

A negative entry arises when a loan wasn't serviced as agreed. Code 3 (slow repayment), Code 4 (special measures/payment default), and Code 5 (partial or total loss) count as negative. They stay on file for 3 to 5 years after the contract ends.

A negative ZEK entry can't be removed early — it stays on file for the retention period. Removal is only possible for demonstrably incorrect entries: the reporting institution must arrange the correction with the ZEK. Once the period expires, the entry is deleted automatically.

No. The ZEK shows contracts with amount, term, and creditworthiness code, but not the name of the other lender. The bank only sees whether it's their own contract or one with another lender.

Two different things. The ZEK stores loan contracts and their history. The CRIF score is a separate creditworthiness assessment based on address data and debt collection information. Banks check both — the ZEK entry for credit capacity, the CRIF score for creditworthiness. Only the credit capacity check is legally required.

A creditworthiness assessment by CRIF based on address data, debt collection information, and other sources. Values above 480 are considered good, above 550 excellent. Below 400, most banks reject automatically. Customers usually don't know their own score — CRIF doesn't provide consumers with direct information about the score value.

Through a budget calculation under the KKG, usually via CRIF's KREMO system. From your eligible net income, the basic amount, rent, taxes, health insurance, existing obligations, and other fixed costs are deducted. What's left — the attachable share — determines your maximum loan amount.

The part of your income that remains after the basic amount and all eligible fixed costs. A loan may only be granted from this amount. If this figure is negative, a loan is not legally possible.

Basic amount (subsistence minimum based on marital status and canton), rent, health insurance, taxes, existing loans and leases, commute, childcare costs, alimony. Personal expenses such as subscriptions or dining out are covered by a flat rate within the basic amount.

The KKG requires that a loan be affordable on paper within 36 months — even with a longer actual term. Your attachable share must cover the installment over 36 months. The actual term can run up to 84 months or more, but credit capacity is always calculated over 36 months.

Because the bank doesn't calculate based on your desired term, but on 36 months. Your installment over 72 months might be manageable — but the hypothetical 36-month installment exceeds your attachable share.

Yes. The most effective levers: pay off existing loans (reduces the ÷36 burden), document all income sources (bonus, side job, subletting), and have your health insurance premium counted at its actual amount instead of a flat rate.

No. Credit capacity (budget calculation) is legally required. Creditworthiness (CRIF score, payment history) is a voluntary risk assessment by the bank. Both are checked, but only credit capacity is regulated under the KKG.

Yes, under certain circumstances. The most common reasons: the bank didn't carry out the credit capacity check, or did so incorrectly; the annual interest rate exceeds the maximum rate; or the right of withdrawal wasn't granted correctly. If the challenge succeeds, interest and fees are waived — you only repay the net amount.

Yes. Lease agreements, installment credit, and credit cards with an installment option fall under the KKG, provided the amount and term limits are met.

Loans over CHF 80'000 aren't subject to the KKG. No legally required credit capacity check, no IKO reporting obligation, no statutory maximum interest rate. The bank decides according to its own guidelines.

We explain the reason and show you whether and how the situation can be improved. A rejection is often not a final no, but a "not yet": waiting out the required residency period, cleaning up your CRIF record, paying off existing loans, or obtaining missing proof of income.

The bank reports the closed contract to the ZEK promptly. In practice this takes a few business days. The entry then remains visible for another 3 years as a completed contract — at the IKO it's deleted after 14 days.

Yes. Lease agreements are recorded in the ZEK and taken into account in the credit capacity check, just like consumer loans.

Open debt collection proceedings or certificates of unpaid debt against the company or its owners, in particular unexplained open claims over CHF 5'000.

Often yes — and not only because of lower interest rates. The biggest advantage: banks factor existing loans into the budget at outstanding balance ÷ 36 months. That burden is often significantly higher than the actual installment. By paying off the old loans and refinancing, the budget burden drops — creating room for the new loan.

Yes. Credit cards with installment payment charge interest rates close to the legal maximum. A personal loan from 4.9% is significantly cheaper. We handle paying off and settling the card for you.

Yes. You can consolidate existing loans from other providers — one installment instead of several, often at a lower overall interest rate.

You submit the request just like for a new loan. The new bank pays off your existing loans directly; you receive any remaining balance paid out. From then on, you only pay a single installment.

Our brokerage service is free. On your previous loan, you only pay interest up until the payoff date — prepayment penalties aren't legally permitted for Swiss consumer loans (KKG Art. 17).

That depends on the difference between the old and new interest rate, the outstanding balance, and the remaining term. In practice, customers consolidating several loans often save several hundred francs a month in budget burden. It always depends on your current situation and the final solution we work out together.

Yes. Using the final settlement, you can finance the outstanding installments plus the residual value with a loan. The transfer goes directly to the leasing company. Afterward, you can have Code 178 removed from the vehicle registration at the road traffic office.

Generally, yes. Replacing several obligations with a single loan at a lower total installment reduces your monthly budget burden. That improves your attachable share and creates room for future financing.

Yes. Only the open debt is refinanced. You can keep using the card — ideally without installment payment going forward, so the expensive balance doesn't build up again.

As soon as a card balance runs for months at the installment interest rate, paying it off saves noticeably. The minimum loan amount is CHF 3'000.

Credit cards charge interest rates close to the legal maximum on outstanding installment balances. If you only pay the minimum amount, the balance barely seems to grow — but the interest cost adds up massively over months.

Yes. You can buy out an ongoing lease with a loan and become the owner immediately. This makes particular sense if excess mileage charges are looming (which are often very expensive) or if you've received a good purchase offer for the vehicle.

Not directly. A lease agreement can't be converted into a personal loan — for that, the vehicle would need to be purchased and the residual value financed. Existing personal loans and credit card debt, on the other hand, can be consolidated without issue.

No, payment protection is optional. It covers your loan installments in the event of complete incapacity to work or involuntary unemployment. In industry terms, the insurance is called PPI (Payment Protection Insurance) — it reduces the risk for you and gives the bank additional security.

On average, about 5.5% of the monthly loan installment. For an installment of CHF 500, that's roughly CHF 27.50 per month.

Mental illness is only covered if a psychiatric specialist (not the general practitioner) confirms complete incapacity to work. Partial incapacity to work is generally not insured.

With an open-ended temp contract and ALV (unemployment insurance) eligibility, generally yes. With fixed-term contracts, unemployment after the contract ends is excluded.

The founder and owner is Alen Skroce. Before founding the company, he spent several years at major Swiss credit banks, most recently in a leadership role. His goal: understand customers' needs and secure the best terms from partner banks.

AS Finanz has been active as a loan broker in the Swiss market since 2006 and is an official partner of Swiss credit banks.

No. AS Finanz is an independent loan broker and compares offers from several partner banks for you — so we find the bank that fits your profile.

AS Finanz operates in line with the requirements of the KKG, the UWG, and the Data Protection Act, has been active in the market since 2006, and is an official partner of the major Swiss credit banks.

We're currently looking for a client advisor (loan administration, 80–100%) for our Portuguese- and French-speaking customers — career changers welcome. Location: Zürich-Altstetten. Speculative applications are welcome at any time.

It helps, but it's not a must — we train you as a Credit Specialist. What matters is diligence, friendliness, and a good rapport with customers.

Please send your complete application documents, preferably by email, to the address listed on the jobs page.

Advisors, fiduciaries, garages, or other people with customer contact — career changers with a good network are welcome too.

No start-up costs, free advertising and sales materials, flexible scheduling, attractive commissions, and our brand behind you.

Getting started is free. You benefit from a fair commission per successfully brokered financing — with no fixed costs.

A personal point of contact accompanies you — from the first inquiry through to payout.