Private Loan Online from 4.9% – Flexible and No Fees
- Efficient and digitalized process
- Simplified application, 100% online
- Personalized support at every step
An online loan is a personal or consumer loan where the application is fully processed through digital channels. Legally, it operates just like a traditional loan, with the same conditions and protections.
The term "online loan" is often used for marketing purposes or to indicate that the initial application can be made online. However, we have fully digitalized the process, including innovative options that allow customers to verify their identity and sign the contract entirely digitally. This ensures a fast, convenient, and secure experience.
The fully digitalized loan is now available in Switzerland. No more endless paperwork or multiple appointments. You can now get a loan quickly and easily, thanks to the digitalization of the loan contract signing process.
For digitalized loans, the authentication process is robust and secure. We use innovative tools such as E-ID to verify your identity during the online loan application. This electronic verification method ensures a secure procedure free from identity theft risks.
In practice, this involves a digital proof of identity established via a link. Simply click on the link and follow the instructions to upload your ID document.
The standard procedure for applying for an online loan remains the same: you complete the form, upload your documents, and receive a response within 24 hours. Once your application is approved by the bank, we send the contract via a secure online link. There’s no need to print and mail the signed contract anymore! You’ll be guided through the entire process, which is simple, secure, and transparent. With the E-Sign functionality, you can now sign your contract digitally.
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.
The interest rates offered by our partner banks range from 4.9% to 10.95%, depending on the risk level associated with your profile. This rate remains fixed throughout the contract and includes death insurance as well as processing fees.
According to Article 35 of the Consumer Credit Act (CCA), brokers are compensated by the bank granting the loan. As a result, CC Crédits Conseils SA does not charge processing fees to its clients.
The insurance options for an online loan are exactly the same as for any consumer or personal loan in Switzerland. Learn more about loan insurance.
If you have doubts or change your mind, you can cancel your contract within 14 days, free of charge and without justification. Depending on the bank, this period may be extended by an additional 10 days. This right of revocation starts on the first day you receive a copy of the signed contract. The deadline for revocation is the last day of the revocation period – regardless of whether you applied for the loan online or through a traditional method. The applicable laws remain the same.
Under Article 17 of the CCA, you have the right to repay your loan early at any time. However, you must pay interest up to the day of full repayment and any administrative fees.
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)
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).
