Loans

The most important condition is that you are of age and employed. The credit is granted after your personal information has been examined and checked in compliance with the Consumer Credit Act (KKG) and bank-internal guidelines.
Approval of a loan is forbidden by law if it would lead to over-indebtedness on the part of the customer (legal stipulation as required by Art. 3, Federal Unfair Competition Act).

The interest rate is between 7.95% and 11.95%. The exact interest rate, however, is determined after your application has been processed. This happens due to your personal conditions and, possibly, on the basis of earlier or existing agreements. The cost of credit results from the amount of credit, the duration and the interest rate. Use our Cash Credit calculator in order to inform yourself about further details.

If a positive financing decision is made, an offer is sent to you which you need to sign and return. After a legal fourteen-working-day waiting period has expired, you can have the agreed amount of money transferred to your bank account. You find further information concerning the application process here.

To enable us to process your financial request we need your completed loan application form, a copy of your ID (passport, identity card or driving license; non-nationals are also required to provide a copy of their residency permit) and an up-to-date wage slip. We shall contact you if any further documentation is required, e.g. evidence of your address, employment situation, financial position and any previous credit history.

The finance amount is based on your personal financial conditions and varies from person to person. When completing your credit application, just enter your personal information as well as your desired amount. We will be happy to prepare a personal offer for you.

Approval of a loan is forbidden by law if it would lead to over-indebtedness on the part of the customer (legal stipulation as required by Art. 3, Federal Unfair Competition Act).

No, of course not. Your application will be processed discretely and kept confidential.

Granting credit is possible starting from as little as CHF 500.

Under normal circumstances, the first instalment is due one month after the money has been paid out (on the first of each month). For further information, please check your credit agreement.

Contact your customer adviser or contact one of our branch offices.

Yes, you can. In principle, increasing your credit is possible, depending on your economic situation. For detailed information, please contact your customer adviser or directly complete an online credit application.

No. For Cash Credit and for Cash Credit Plus there is no opening fee.

We recommend you take out Payment Protection Insurance* in order to insure yourself against undeserved insolvency (e.g. in the event of accident, illness, disability or involuntary unemployment). You receive further information on this website or by calling 0800 814 800 (free of charge).

Private individuals can deduct their interests from the income tax. The necessary certificate of interest is automatically sent to you once a year.