Documents required to review your application

Why your documents are essential for a loan application in Switzerland

When applying for a credit in Switzerland, submitting complete and up-to-date documents is an essential step.
These documents allow the credit institution to:

✅ Verify your identity and personal situation

✅ Analyze your financial capacity (income, expenses, employment stability)

✅ Assess your creditworthiness and payment history

✅ Ensure a fast and appropriate decision tailored to your profile

👉 Good to know: if the application is submitted with a second applicant (co-borrower), their documents must also be provided.
A joint application is often considered stronger, which significantly improves the chances of approval and may even allow for more favorable conditions.

The faster and more accurately you provide your documents, the more efficiently your application can be processed. Conversely, an incomplete file may result in delays or even rejection.

How to send your documents

Private loan – Documents to provide

Are you employed in Switzerland? Required documents

For Swiss nationals:

Copy of a valid ID (identity card, passport, or driver’s license)

For foreign nationals:

Copy of your residence permit (B or C)

Financial documents:

Copies of your last 3 pay slips
Copy of your rental agreement or mortgage certificate for homeowners

Optional documents:

Copy of your latest health insurance invoice or policy

Are you self-employed in Switzerland? Required documents

For Swiss nationals:

Copy of a valid ID (identity card, passport, or driver’s license)

For foreign nationals:

Copy of your residence permit (B or C)

Financial documents:

Copy of your most recent tax assessment, not older than 18 months
Copy of your rental agreement or mortgage certificate for homeowners

Optional documents:

Copy of your latest health insurance invoice or policy

Are you a cross-border worker? Required documents:

For Swiss nationals:

Copy of a valid ID (identity card, passport, or driver’s license)

For foreign nationals:

Copy of your G work permit

Financial documents:

Copies of your last 3 pay slips
Last 3 monthly bank statements from your current account in your country of residence
Copy of your rental agreement or mortgage certificate for homeowners

Proof of address:

Electricity bill or official address verification

Are you receiving AHV/IV pension? Required documents:

For Swiss nationals:

Copy of a valid ID (identity card, passport, or driver’s license)

For foreign nationals:

Copy of your residence permit (B or C)

Financial documents:

Pension decision(s) (AHV, IV, or occupational pension LPP)
Bank statement showing the pension credit for the last 3 months
Copy of your rental agreement or mortgage certificate for homeowners

Optional documents:

Copy of your latest health insurance invoice or policy

Are you a temporary employee? Required documents:

For Swiss nationals:

Copy of a valid ID (identity card, passport, or driver’s license)

For foreign nationals:

Copy of your residence permit (B or C)

Financial documents:

Copies of your last 6 pay slips
Copy of your assignment/contract of indefinite duration
Copy of your rental agreement or mortgage certificate for homeowners

Optional documents:

Copy of your latest health insurance invoice or policy

How to obtain a private loan in Switzerland?

To learn more about the criteria for obtaining a loan in Switzerland, it’s important to understand that lenders consider factors such as age, employment status, and residency. Find out in detail how these rules influence your chances of obtaining a loan by visiting the linked page.

Lending Criteria

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)