Private Loans Made Simple

Crédits Conseils helps you optimise your file, increasing your chances of being granted a loan by a bank. Whether you are applying for a loan, requesting a loan increase or consolidating several loans, we take your needs into account. We are there to help you get the funds you need to improve your daily life and carry out your project at the time you choose.

We work with major financial organisations lending money to individuals. Since we are neutral and independent, we can direct your profile towards the bank that meets your requirements on the best terms.

You are guaranteed that neither your employer nor your spouse will be informed of your undertaking, and we will not contact them at any time, unless you choose to do so. Furthermore, their information is only used for the purpose of scoring your profile.

Our work method, which is based on a thorough analysis of files, our long experience in the loan field and our independence from banks mean we have one of the best success rates compared to our competitors.

• Attractive interest rates : from 4.9% to 10.95%
• Loan amounts: from CHF 5’000 to 400’000
• Loan duration: 6 to 120 months

In general, the minimum requirements for all types of loans are the following:

1. Being between 18 and 70 years old. However, some banks and financial institutions can lend to older individuals;
2. Being of Swiss nationality or being a resident holding a C permit, a B residence permit, being a cross-border commuter, holding a legitimation card;
3. Having one’s residence in Switzerland;
4. Having a provable income. To that effect, at the time of application, the applicant must provide the bank with tax documents showing his or her economic situation;
5. Being exempt from any lawsuit or declaration of insolvency;
6. Being exempt from penalising entries (code 03, 04, 05 or 09) at the Zek as a result of issues regarding cash credits or cards (late payments, request for a reduction in the monthly payments, etc.).
   

The bank decides whether to grant the loan based on its risk policy and the applicant’s ability to pay.

With regard to the former aspect, each bank assesses the statistical data already in its possession in order to keep defaults below a certain threshold, and with regard to a client’s ability to pay, it takes into account the ratio between monthly payments and the applicant's income.

Together, we come up with a solution to carry out your project while keeping your budget under control, with affordable monthly payments.

An easy solution tailored for you!

In some cases, in order to grant a loan, the bank or financial institution may require additional guarantees beyond the minimum requirements. We are aware that the loan application process is not easy. Why is that?

Because often it is not sufficiently clear or well explained. At Crédits Conseils, we make loans and the loan application process easy and understandable. To make your life easier and to provide you with a solution that’s adapted to your profile and your needs, we focus on permanent human contact and clear, transparent explanations.

In order to choose the loan that is best suited to your needs, you should take into account the varying duration of the loan from one bank to another, which depends on a number of variables.

Crédits Conseils helps you achieve your dream and move your life forward by bringing oxygen to your everyday life. By adjusting your monthly payments, you can easily manage your budget and carry out the project that is important to you.

To be precise, it depends on:

1. The loan amount, i.e. the amount of money requested;
2. The loan duration, i.e. the time required to repay the loan to the bank or financial institution;
3. The number of payments. From this point of view, your income has to be taken into account to precisely determine how much you can afford to pay each month, after deducting ordinary expenses;
4. The interest rate, which is applied by the financial institution providing the loan.

At Crédits Conseils, we take care of the entire administrative aspects of the loan application so that you can concentrate on carrying out your project, and only on that.

Our specificity? Optimising your file with the banks by acting at the right time, in a precise and transparent way. We know the market and its codes. Based on this knowledge and our expertise, we know how to increase the chances of a bank accepting your application. Once we have received all the documents required, we shall take care of everything. 24 hours later, you will receive a definitive answer from the bank.