About CC Crédits Conseils SA

20 years of expertise and trust

Since 2003, CC Crédits Conseils SA has established itself as a broker of choice in Switzerland, recognized for its reliability and customer support. Our advisors, at your service in five languages (French, German, English, Italian, Portuguese), process credit applications for a varied clientele. Based in Versoix, in the canton of Geneva, our company has been at your service for more than 20 years.

Independence and banking accreditation

As an impartial loan broker, CC Crédits Conseils is accredited to facilitate consumer access to the best offers from financial institutions, thus offering objective and tailored solutions, independent of banks.

CC Credits Consulting joins the Credaris Group

On 31 May 2023, CC Crédits Conseils SA joined the Credaris Group, Switzerland's the leader in loan brokerage. This combination allows us to strengthen our leadership position and offer our customers even more advantageous credit terms.

Access to all relevant Swiss financial institutions

Thanks to our integration within Credaris, we benefit from privileged access to the main Swiss financial institutions offering personal loans, which allows us to offer you:

• Interest rates among the most competitive on the market
• Increased acceptance rate for your requests
• Monthly payments among the most affordable
• A wide choice of credit solutions adapted to your needsd

A commitment to responsible and quality service

At CC Crédits Conseils, we favor a personalized approach and a rigorous analysis of your profile, resulting in above average acceptance rates. We take your needs into consideration and achieve solutions adapted to your situation.

We are also committed to responsible practices to prevent over-indebtedness, including:

• No advertising aimed at young people under the age of 25
• Responsible loans with a safety margin built into your budget to anticipate unforeseen situations such as unemployment, accident, illness or divorce
• Strict respect for consumer rights

Our commitments to transparency and security

As a bank-accredited broker, we follow practices of transparency and reliability to guarantee you an exemplary service:

• Detailed analysis of your file and personalized advice, including administrative procedures
• Delivery of a copy of your contract at the time of signing
• Transparency on interest rate, monthly payment and repayment term in the contract
• Clear mention of the death insurance included in the interest rate
• Information on optional insurance (sickness, accident, unemployment), with details on benefits and conditions
• No application fees or special fees — our service is completely free
• Information about your early repayment rights
• 14-day withdrawal period explicitly mentioned in the contract
• Tips to raise your awareness of the risks of over-indebtedness and the safety margins to expect

Crédits Conseils: our services and commitments

• Detailed analysis of your profile and creation of a complete application file
• Calculating your budget to determine your credit capacity
• Personalised advice throughout the process
• Information about your rights, including the right of revocation ("cooling-off period") and early repayment
• Information on insurance covering you in the event of job loss or health problems
• Selecting the lender adapted best to your profile
• Negotiating attractive interest rates
• Absolute discretion: neither your spouse nor your employer will be informed of your loan request.

Calculation example

Loan of CHF 20'000. An effective annual interest rate between 4.9% and 10.95% and a term of 48 months generate total interest between CHF 2'018.10 and CHF 4'549.60. Term: 6-120 months; Maximum annual interest rate (including all credit charges) 10.95%. The granting of a loan is prohibited if it leads to the over-indebtedness of the consumer.(Art. 3 LCD)