Privatkredite
How It Works: Your Path to a Personal Loan
A personal loan in Switzerland isn't rocket science – but there are rules, deadlines, and details you need to know. We know them. For years we've guided people through exactly this process, and we know where things get stuck, what banks look for, and how to avoid unnecessary delays.
Five steps. Clear, plannable, no surprises.
How It Works
The Five Steps
You submit your request
You calculate your desired amount online and send us your request. No paperwork, no appointment needed. What we need from you: your personal details, income situation, and the loan amount you want.
Our tip: if you send your documents (pay slips, ID, rental agreement) right away, we can get started immediately. The more complete your information, the faster the decision.
We review your case and find the right bank
This is where we differ from a direct bank application: we analyze your situation and specifically select the bank that fits your profile. Not every bank evaluates the same way. Income, residency status, existing obligations, industry – it all factors in.
Why this matters: every loan request is registered with ZEK. Anyone who applies to three banks themselves and gets rejected has a problem. We submit a single request – to the right bank.
You receive the credit decision
If approved, you receive the loan agreement for signing. Everything is laid out transparently: loan amount, interest rate, monthly installment, total cost, and term.
If approval isn't possible, we'll tell you honestly why – and whether there's a way to improve the situation. Sometimes it's enough to wait three months, clear a debt collection entry, or pay off existing loans.
The statutory right of withdrawal
You sign the agreement and send it back to us. From that moment, the statutory 14-day right of withdrawal under the Consumer Credit Act (KKG) begins. During this time, you can withdraw from the agreement in writing, without giving a reason and at no cost.
This period is your protection – use the time to review everything calmly. During the withdrawal period, the bank may not yet transfer the amount.
Payout to your account
Once the withdrawal period has ended, the bank transfers the loan amount directly to your account. The money is yours to use freely – no restrictions, no proof of use required.
For debt consolidation, we pay off your existing loans directly: the payoff amount goes to your previous lender, and the remaining balance to your account.
What Sets Us Apart
You can also apply for a loan directly at the bank. But there are good reasons not to:
We know how the budget calculation works. Banks calculate using a standardized system. We know which income components are counted, how existing loans factor into the budget, and where legal room for optimization exists – before the application is submitted, not after.
We protect your ZEK record. Every loan application is registered centrally. Multiple requests at different banks are treated as a warning sign. We submit exactly one request – to the bank that fits your profile.
We tell you the truth. If a loan isn't possible, we tell you – and explain exactly what you can do to make it work next time.
Frequently asked questions
Around this page.
What documents do I need for the application?
Can I start the application even if I don't have all the documents yet?
How long does it take from the request to the money in the account?
What happens if my application is rejected?
More on the personal loan
Ready?
Calculate your installment and start your request – we'll take care of the rest.