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.
For Swiss nationals:
For foreign nationals:
Financial documents:
Optional documents:
For Swiss nationals:
For foreign nationals:
Financial documents:
Optional documents:
For Swiss nationals:
For foreign nationals:
Financial documents:
Proof of address:
For Swiss nationals:
For foreign nationals:
Financial documents:
Optional documents:
For Swiss nationals:
For foreign nationals:
Financial documents:
Optional documents:
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.
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)