Terms for Your Personal Loan

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, 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.

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.