Easily combine your current loans
It's great when someone understands: Bundle and efficiently redeem loans for maximum benefits
We take care of redeeming your outstanding loans and costly credit card commitments with other providers and combine them into a single loan.
CREDIT-now
From just
5.9%
Credit amount in CHF
.— - .—
Term
- months
Effective annual interest rate
% -
%
dependent on creditworthiness
% - %
for homeowners in Switzerland,
dependent on creditworthiness
dependent on creditworthiness
From just
5.9%
CREDIT-now
Credit amount in CHF
.— - .—
Term
- months
Effective annual interest rate
% -
%
dependent on creditworthiness
% - %
for homeowners in Switzerland,
dependent on creditworthiness
dependent on creditworthiness
Conditions
- You are a permanent resident in Switzerland
- You are at least 20 years old
- You have Swiss citizenship, a C permanent residence permit, or a B residence permit
- If you own your own home, you benefit from lower interest rates: You have been the sole owner or co-owner of a property in Switzerland for at least six months (entry in the land register)
Other benefits
- Interest deductible from taxable income.
- We don't charge any opening fees or commission.
Repayment method
- Repayment in equal monthly installments.
Direct payment
- The credit amount will be paid directly into your account immediately after the statutory waiting period of 14 days.
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Included free of charge
Flex-Service
You can request a credit increase or change to the repayment term at any time. If you pass the repeat solvency check, your existing credit contract will be replaced with a new one.
1/9
Included free of charge
Payment deferral*
You can defer your monthly installments on two separate occasions free of charge.
* No option to defer or pause payment is offered in connection with special promotions.
2/9
Included free of charge
Redemption service
We take care of redeeming your outstanding loans and costly credit card commitments with other providers and combine them into a single loan.
3/9
Included free of charge
Right of withdrawal
Even if the statutory withdrawal period has elapsed, you can still repay the money free of charge within ten days of it having been paid out to you.
4/9
Included free of charge
Credit potential service
Working in collaboration with you, we determine how much additional credit you could receive from us. If required, we will assess the potential for an increase and replace your existing contract with a new one if you pass the repeat solvency check.
5/9
Included free of charge
Financial check
We make sure that you can comfortably afford your monthly installments. Our certified team of experts is on hand to provide you with in-person advice free of charge at one of our 16 branches or by telephone. Or you can complete a quick financial check yourself on our website at any time.
6/9
Included free of charge
Quality advice
We are there for you – before, during, and after you take out credit; online, by phone, or in person at your nearest branch – choose from 16 locations.
7/9
Included free of charge
Promise of clarity
Our 80 specialists are available to provide you with clear and accessible advice in over 15 languages.
8/9
Chargeable
Chargeable loan/payment protection insurance
For a fee, you can take out payment protection insurance so that your installments will still be paid if you become unemployed or unable to work through no fault of your own.
9/9
Included free of charge
Flex-Service
You can request a credit increase or change to the repayment term at any time. If you pass the repeat solvency check, your existing credit contract will be replaced with a new one.
1/9
Included free of charge
Payment deferral*
You can defer your monthly installments on two separate occasions free of charge.
* No option to defer or pause payment is offered in connection with special promotions.
2/9
Included free of charge
Redemption service
We take care of redeeming your outstanding loans and costly credit card commitments with other providers and combine them into a single loan.
3/9
Included free of charge
Right of withdrawal
Even if the statutory withdrawal period has elapsed, you can still repay the money free of charge within ten days of it having been paid out to you.
4/9
Included free of charge
Credit potential service
Working in collaboration with you, we determine how much additional credit you could receive from us. If required, we will assess the potential for an increase and replace your existing contract with a new one if you pass the repeat solvency check.
5/9
Included free of charge
Financial check
We make sure that you can comfortably afford your monthly installments. Our certified team of experts is on hand to provide you with in-person advice free of charge at one of our 16 branches or by telephone. Or you can complete a quick financial check yourself on our website at any time.
6/9
Included free of charge
Quality advice
We are there for you – before, during, and after you take out credit; online, by phone, or in person at your nearest branch – choose from 16 locations.
7/9
Included free of charge
Promise of clarity
Our 80 specialists are available to provide you with clear and accessible advice in over 15 languages.
8/9
Chargeable
Chargeable loan/payment protection insurance
For a fee, you can take out payment protection insurance so that your installments will still be paid if you become unemployed or unable to work through no fault of your own.
9/9
Included free of charge
Chargeable
Flex-Service
Payment deferral*
Redemption service
Right of withdrawal
Credit potential service
Financial check
Quality advice
Promise of clarity
Chargeable loan/payment protection insurance
Flex-Service
Payment deferral*
Redemption service
Right of withdrawal
Credit potential service
Financial check
Quality advice
Promise of clarity
Chargeable loan/payment protection insurance
The secure way to increase your loan
1. Calculate
Simply calculate the size of the loan you want without any obligations.
2. Apply
Call a branch or apply for the additional loan amount you require online.
3. Check
Your application will be reviewed immediately. Generally, you will receive a response within 3 working days. You will receive the contract after further two days.
4. Sign
Return the signed contract to us.
5. Payment
After the statutory waiting period of 14 days, you will receive the money.
Promise of clarity
Our 80 specialists are available to provide you with clear and accessible advice in over 15 languages.
Loan illustration: A loan of CHF 10'000 with an effective annual interest rate between 5.9 % and 11.9 % results in total costs of CHF 314.00 to CHF 622.40 for 12 months and monthly installments of CHF 859.50 to CHF 885.20. The interest rate depends on the customer's creditworthiness.