Applying for a Personal Loan – As Low-Cost as Possible
Applying for a personal loan at the lowest cost possible is done by improving the factors that affect the interest rate and by choosing the…
How to qualify for a loan despite debt enforcement?
Obtaining a loan despite past debt enforcement proceedings is difficult in Switzerland, but not impossible. While ongoing debt enforcement prevents borrowing from official providers, as…
What do you need to know about credit insurance?
The term “credit insurance” refers both to protection for individuals against payment difficulties with loans and to protection for companies against default risks. Credit insurance…
What is credit fraud, and how can you protect against it?
Credit fraud is a catch-all term for a range of criminal acts designed to make financial gain by exploiting lending processes. The 5 most common…
Swiss Consumer Credit Act (FLCC) Explained Simply, 2026
The Swiss Consumer Credit Act (FLCC) regulates the granting of personal loans between CHF 500 and CHF 80,000 to protect consumers from over-indebtedness and ensure…
What is a microloan, and how to get one in Switzerland?
Microloans are small business loans that provide microenterprises and self-employed people with access to finance without the usual bank collateral. In Switzerland, microloans typically range…
How can I deduct a credit from my taxes?
In Switzerland, interest on various types of loans may be deducted from taxable income. This applies to both direct federal tax and cantonal tax. The…
How do you get a business loan in Switzerland?
A business loan is a financing solution for companies to cover short- or long-term capital requirements. Business loans are also known as corporate loans or…
Credit limit calculator: How is the credit limit determined?
The credit limit is the maximum amount a person may borrow from a bank or credit institution. This upper limit protects the borrower from over-indebtedness….
How does a credit check work in Switzerland?
The credit check is a necessary assessment for credit applications, inspecting solvency and willingness to pay. The credit check is a fundamental component of a…
How do you get a student loan in Switzerland?
A student loan is a loan that is used specifically to cover educational costs. Student loans in Switzerland are characterized by advantageous loan conditions, including…
How can you refinance a loan in Switzerland?
Refinancing a loan refers to the process of replacing an existing loan with a new, typically more advantageous loan. A loan refinancing enables borrowers to…
What help is available for credit debt in Switzerland?
Credit debts are financial obligations resulting from taking out loans that must be repaid, including interest and any fees. Credit debt comes in various forms,…
Credit basics: What do you need to know about credit?
In Switzerland, banks, credit institutions, and private individuals grant loans. Banks specialize in mortgage loans and business loans, while credit institutions and private individuals mainly…
Swiss lenders: Extended loan comparison 2026
Traditional lenders such as banks and credit institutions lend directly to borrowers, check their creditworthiness, and bear the repayment risk. Well-known direct lenders include, for…
What types of loans are available in Switzerland?
The most common types of loans are consumer loans, education loans, and mortgages. Consumer loans include personal loans, small loans, car loans, and peer-to-peer (P2P)…
«Credit-Now Loan» from Bank-Now: Review / Analysis 2026
The Credit-Now loan is characterized by flexible terms and loan amounts, fixed monthly installments, transparency, and uncomplicated processing. Early repayments and the deferral of installment…
