PERSONAL LOAN

Your Loan starting at 4,9%

Personal loans and more

Loans starting at 3000 CHF

Price guarantee and right of return

Online application in only 2 minutes

Decision within 4 hours

Months from CHF a month

In 3 steps to your personal loan

Kredit Antrag online ausfüllen

Step 1:
Fill in credit application online


Simply and conveniently fill in your credit application online. If you have any questions, please do not hesitate to contact us by phone or email.

Unterlagen für Kreditentscheid einreichen

Step 2:
Submit documents and receive credit decision


After you have sent us the required documents, you will receive an e-mail after a Comprehensive credit assessment of the credit decision and your credit contract.

Kreditauszahlung nach gesetzlicher Wartefrist

Step 3:
Credit disbursement


As soon as you have returned the signed credit agreement to us and the legal waiting period of 14 days is over, you will receive the money to your desired account or you can collect it directly in cash.


About Credisa

Credisa Ltd. has been a Swiss provider of personal loans, insurance and pension products for several years. With our experienced credit professionals and the customer-friendly website, you can process your credit enquiries online or at the branch, regardless of time and place: flexible, convenient, independent and secure. We attach great importance to a fast and uncomplicated business transaction. With a wide range of products, helpful services and useful tools, we are always at your side. We are very pleased that you have found us. If you have any questions, please do not hesitate to contact us by phone, email or online inquiry. Your Credisa Credit Team

Monate from CHF in Month

The most relevant information for your personal loan

Requirements

You are at least 18 and at most 65 years old and have a permanent position. Borrowing is prohibited if it leads to over-indebtedness (Art. 3 UWG).


Credit period

The personal loan runs from 6 to 120 months.


Charges

Fixed interest rate. Interest costs are included in the monthly installments.


Repayment

You pay back the loan in constant monthly installments. Early repayment and multiple deposits at once are possible at any time.

Your personal loan is secure, fast and easy

The security of your personal loan in Switzerland

Secure personal loan


Credisa attaches great importance to data protection. Your data will be treated with care and deleted after successful processing. If you wish, you can also insure your personal credit with installment insurance.

SSL protection for personal loan application

Secure connection


After you have sent us the required documents, you will receive the credit decision and your credit agreement after a comprehensive credit assessment.

Quick processing of your application for a personal loan

Fast personal loan


Your application for a personal loan will be processed immediately. As soon as all documents are available, the decision about your credit will be made within 4 hours.


The advantages of a Credisa personal loan

As an established broker of personal loans, we recommend that prospective customers apply for a loan online. The online application for personal loans is free of charge, non-binding and represents the fastest form of applying for personal loans. Online personal loan applications can be processed most quickly by our experts. You can easily calculate your personal loan via our credit calculator and submit the application. If you do not wish to apply for an online credit application or if you have any questions regarding a personal loan, we will gladly accept your application by telephone on 0800 681 555. Our experts will be happy to provide you with professional advice. This service is also free of charge. If you would like to apply for a personal loan in writing, you will find a form for printing on our website. Fill this out and send it to our branch in Basel. We will process your application as soon as possible. You are also welcome to drop by and ask for advice on all aspects of personal loans and apply in person. We are looking forward to your visit.

Installment insurance for your personal loan

Securing your personal loan for all eventualities

Sometimes unexpected things happen in life. Whether it's job losses through no fault of your own, accidents or illness. Monthly installments for personal loans quickly become a financial challenge. So that you do not stand helpless in the rain, we recommend our installment insurance for personal loans.


  • Total package: installment coverage & credit rate as monthly installment.
  • Secured in the event of unintentional unemployment
  • Covered in case of incapacity for work (due to accident or illness)
  • Coverage for all employed persons


Our staff will be happy to make you a suitable offer for your personal loan.

Credit Tips

Credit Tip 1

Credit Tip 1:

If you apply for a loan, please do not submit any further applications to other credit institutions or banks. This can lead to a delay of your credit application or even have a negative impact on your creditworthiness.

Credit Tip 1

Credit Tip 2:

Take advantage of the opportunities offered by a loan and claim it for tax purposes. In Switzerland, borrowing can be taken into account in tax returns. This means that the debt interest can be deducted from income tax.

Credit Tip 3

Credit Tip 3:

Pay attention to a regular payment of the installments. Interruptions in payments or unpunctual payments can lead to a downgrading of your creditworthiness and thus to a more difficult borrowing in the future.

Credit Tip 4

Credit Tip 4:

Take advantage of a new loan with favorable conditions for the rescheduling of old loans with higher interest rates. Save money by doing so.

Credit Tip 5

Credit Tip 5:

Protect yourself from unforeseeable costs. Unemployment, illness and accidents are enormous risks. Secure your credit with installment insurance.

Credit Tip 6

Credit Tip 6:

Whether foreigners with a B, C or L permit. Or also self-employed persons, cross-border commuters, civil servants or permanent employees, and many more, let us advise you. We will find the optimal loan for you.

Credisa Testimonials - over 20,000 satisfied customers

Loan calculator

Overview of various loans and related maturities and monthly installments in CHF at 4.9%.

Individual values may differ slightly from the actual rate.


Private loan FAQ

WHO CAN APPLY FOR A LOAN?
Anyone in possession of a Swiss passport or a category B, C, L and G residence permit may apply for a personal loan. The applicant's age must be between 18 and 70 years of age. Irrespective of the professional situation, the applicant must receive a monthly income of at least CHF 2,300.00.
WHAT DOCUMENTS ARE REQUIRED FOR A LOAN?

In order to apply for a loan, it is primarily only necessary to complete the application form in full. However, the following documents must be submitted

  • A copy of your passport
  • Foreigners must present a foreigner's identity card
  • Copies of the applicant's last 3 pay slips and / spouse's last 3 pay slips
ARE THERE ANY FEES WHEN I TAKE OUT A LOAN?
No, the entire application process is free of charge. There are no handling fees.
WHAT IS THE INCOME FOR A LOAN?
Your income must be at least CHF 2,300 net to apply for a loan. In Switzerland, it is a legal requirement that the granting a credit is prohibited if it leads to over-indebtedness.
I ALREADY HAVE A LOAN, CAN I APPLY FOR ANOTHER ONE OR INCREASE MY CURRENT LOAN?
This is basically no problem if your budget allows it. You can replace or increase your existing loan with lower interest rates - we will be happy to advise you on your options. Since the summer of 2016, new interest rates have been in force, so it makes sense for many borrowers to reschedule to lower interest rates.
WHO DECIDES ON THE CLOSING AND MAXIMUM LOAN AMOUNT?
The closing and the maximum amount of the loan is decided by the respective credit bank which offers the loan.
I HAVE AN ONGOING DEBT COLLECTION / SEIZURES. WHAT NOW?
If you have an ongoing debt collection and/or seizures, we cannot apply for a loan for you. You must settle the outstanding receivables as quickly as possible and have them deleted from your debt collection statement by the creditor. Then a loan can be applied for.
WHAT IS A ZEK CODE?
ZEK means "central office for credit information". There it will be registered if you have not paid off a loan regularly and properly. If you have a negative ZEK code, the bank will not grant you a credit.
I AM A CROSS-BORDER COMMUTER, MAY I APPLY FOR A PERSONAL LOAN?
Yeah, you can do that. However, you must also fulfil the following additional conditions: L-approval: You must be in Switzerland for at least 6 months / G-approval: You must be in Switzerland for at least 3 years and have been employed by the same employer for at least 2 years.
HOW MUCH INTEREST DO I HAVE TO PAY?
On the basis of the information you provide in the application form, the bank calculates a budget for you to which your credit will be adjusted to. The annual percentage rate will be determined by your credit rating and varies between 4.9% and 9.9%. It goes without saying that we obtain various offers and submit the most favourable offer to you.
DO I HAVE TO ACCOUNT FOR WHAT I WANT TO USE THE MONEY FOR?
No. You do not need to inform anyone about why you are applying for a loan. This is your decision and does not interest us or the issuing bank.
WHO DETERMINES THE TERM OF MY LOAN?
You determine the credit period yourself. You can choose between 6 and 120 months.
WILL ANYONE KNOW WHEN I APPLY FOR A LOAN?
We process all applications 100% discreetly. In addition, we are bound by banking secrecy and the Data Protection Act.
CAN A PERSONAL LOAN BE TAKEN INTO ACCOUNT FOR TAX PURPOSES?
Yes, you can deduct your debt interest from income tax. You will receive the necessary interest certificate by mail at the end of the year.

CAN A PERSONAL LOAN BE TAKEN INTO ACCOUNT FOR TAX PURPOSES?

Representative calculation example: 10,000 CHF 12 months term: The interest (total costs) is between CHF 261. and CHF 521, the interest rate is 4.9 % - 9.9 %. The installment is between CHF 855.1 and CHF 877.00 per month. The granting of credit is prohibited if this leads to over-indebtedness. (Art. 3 UWG).