Your Benefits with CC Crédits Conseils SA

We guide and support you throughout the entire process of your private loan application.

Your Benefits with a Broker Like Crédits Conseils

Broker or Bank – Your Advantages
Competitive loan rates
Personal Consultation
7 reasons to choose a broker

Broker or Bank?

Why should you choose a broker instead of a bank for your private loan application in Switzerland? Here are the 5 main reasons:

Independence and Neutrality

CC Crédits Conseils SA is entirely independent of financial institutions and provides you with unbiased advice on market offers! We analyze financing solutions offered by different banks to find the one that suits your needs with attractive terms. Our advisors are at your disposal throughout the process, answering your questions by email and phone.

A Bank for Every Profile

Each bank has its own scoring criteria to evaluate your risk profile. For the same profile, Bank A may approve your loan, while Bank B might reject it. Additionally, scoring plays a key role in determining the interest rate: the higher your score, the lower the interest rate, and vice versa. Choosing the right bank is therefore strategic, not only to get your application accepted but also to secure a competitive rate.

Thanks to our deep knowledge of financial institutions, CC Crédits Conseils SA achieves a high acceptance rate, increasing your chances of obtaining a loan with attractive conditions.

Competitive Loan Rates

Our numerous partnerships with banks allow us quick and easy access to all available offers on the market. Thanks to this extensive network, we can propose financing solutions that perfectly match your budget and project.

Personalized Advice to Avoid Pitfalls

We carefully analyze every application, identify potential issues, and provide solutions to resolve them. For example:

If the requested amount exceeds your authorized limit, your application will be rejected. We perform a personalized budget calculation and advise you on the best course of action, whether it involves increasing or decreasing the requested amount.
If you submit an application to a bank with a settled debt collection that hasn’t been removed, your request will be denied. With CC Crédits Conseils SA, we help you remove the debt collection before submitting your application to the financial institution.

Switching Banks

By working with CC Crédits Conseils SA, you increase your chances of getting your application approved! If you wish to increase your current loan, we guide you to the bank offering attractive deals and support you throughout the process.

7 Reasons to Choose a Broker Instead of a Bank for a Loan

1. A Broker Works with Multiple Lenders Offering Loans

With the variety of offers and rates on the Swiss market, you have the opportunity to find a consumer loan that suits your needs and financial situation. At Crédits Conseils, we are committed to helping you in this search to secure attractive conditions.

2. Broker Independence

A broker's independence from banks is a significant advantage in finding and securing a favorable private loan. Brokers act entirely neutrally towards financial institutions. Their goal is to offer you attractive solutions without being tied to a single bank. This independence allows brokers to access a wide range of offers from different banks, financial institutions, and partners, providing clients with a genuinely diverse selection regarding:

Interest rates
Repayment periods
Flexibility of terms

Unlike a single bank's approach, a broker's independence allows for comparisons and negotiations of attractive offers tailored to each borrower’s profile, considering individual needs and specific situations.

3. Broker Neutrality

This neutrality ensures an impartial approach focused solely on the client’s interests. Brokers are not tied to specific banks, enabling them to objectively analyze available financing solutions on the market.

This eliminates any risk of bias or favoritism towards a particular bank. Recommendations are solely based on the characteristics and needs of each client. This guarantees advice focused entirely on finding attractive solutions in terms of rates, repayment terms, and flexibility.

Additionally, banks do not perform this type of market-wide comparison. Brokers remain informed about the latest offers and best practices in the financial sector, enabling them to propose updated and competitive financing solutions tailored to market developments.

4. A Bank for Every Client Profile

Brokers understand the importance of adapting each financing solution to your unique profile. Their ability to identify the most suitable bank for every situation is based on a detailed analysis of your needs, financial history, and goals.

The broker’s objective is to help you secure financing that fits your budget and project while minimizing risks and potential obstacles. They can guide you to the financial institution offering the most attractive conditions and competitive rates. Submit your online application now and find your advantageous loan offer!

5. Switching Banks to Increase or Consolidate Loans

Do you have an ongoing loan and wish to increase it? Or consolidate multiple loans? Brokers encourage you to explore these options. They negotiate with other banks to find solutions tailored to your situation and secure attractive terms.

With their expertise and network of partners, brokers can identify competitive offers for:

A new loan
A credit extension
Consolidating your existing loans (leasing, private credit, credit cards, etc.)

6. Crédits Conseils Has Access to 7 Banks That Offer Private Loans

Crédits Conseils is part of the Credaris Group, giving us exclusive access to all banks that offer private loans in Switzerland – a benefit other brokers may not have. This exclusivity allows us and other Credaris brokers to provide our clients with particularly attractive conditions in Switzerland!

Thanks to our comprehensive view of the credit market, we can direct you to the bank that best fits your profile. This maximizes your chances of securing a favorable loan with attractive terms.

What Are the Benefits for Clients?

A high acceptance rate
Competitive interest rates
Affordable monthly payments

Through our privileged relationships with the 7 banks offering private loans in Switzerland, we can recommend the best bank with an attractive offer.

7. Personalized Advice and Thorough File Analysis to Avoid Rejections

At Crédits Conseils, we meticulously analyze every loan application, setting us apart from other brokers. This increases our clients’ chances of being accepted by banks.

Furthermore:

We identify potential problem areas.
We perform a case-by-case budget calculation.
We guide you toward an attractive solution.
We assist you in removing any outstanding debt collections before submitting your application to the bank.

Why choose Crédits Conseils?

As you can see, with our credit brokers, you benefit from our neutrality – an advantage that banks cannot offer.
We conduct an objective preliminary analysis of your financial situation as a borrower and tailor the proposed solutions to each customer profile.
Additionally, we have access to all banks offering personal loans in Switzerland, significantly increasing your chances of securing financing.
This also allows you to benefit from the best conditions on the market, such as lower interest rates and more favorable monthly payments.
Submit your loan request online – free of charge!

Your loan application in 4 steps

Put your trust in the experience of Crédits Conseils – without obligation and with zero risk.

Request

Request your loan by using the online form or by calling us.

Complete your information and send your documents

Submit the mandatory documents and relevant information we need to assess your loan request.

Assessment and offer

Final response in less than 24 hours after receipt of the needed information, mandatory documents and a complete review of your solvency.

Contract signing and disbursement of your loan

Swift disbursement after you sign the loan contract and the consequent 14 day right of revocation (cooling-off-period).