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To answer
your queries

We can help in situations when banks may refuse to. With our years of experience and collaboration with famous Swiss banks, we can find a solution in even the most difficult of cases.

Leasing involves payment of a monthly instalment for use of the vehicle during the contract period, in the same way as rent is paid for an apartment. This monthly instalment is calculated taking into account the cash purchase price, annual mileage, the duration of the lease, the interest rate for the lease and the respective residual value. At the end of the contract period, you have the option to return the vehicle to the dealer.

With a loan, you will receive the money to buy the vehicle and you can then pay the seller the full purchase price in cash. With this option, you have the possibility to choose your insurer of choice. At the end of the contract period, the vehicle doesn’t have to be returned to the seller, because it belongs to you and you are free to sell it at any time.

The ZEK, or “Credit Information Centre”, is an institution that records information on personal loans, leasing and, more in general, on operations related to the financing sector in Switzerland.
The ZEK database contains information on the borrower, loan applications and loan agreements. Only participating companies can access ZEK data.
You can request a certificate of your data.

We take on an important responsibility vis-à-vis the client and the company, so we take the necessary time for a personal consultation session in order to understand your needs and answer your questions. We inform you about the possible risks and we make sure that you can afford the loan, acting fully in your best interests. (Information sheet from the Swiss Consumer Finance Association on responsible lending and the possible risks in the event of unforeseen circumstances affecting the borrower)

Requests are normally checked and replied to within 24 hours, provided that all the necessary documentation has been submitted (copy of an identity document, payslips, etc.). As soon as the contract has been signed, we will transfer the requested loan amount to your account, in accordance with the legally-required waiting period of 14 days.

Essentially, we can only issue a loan if you are resident in Switzerland or have held a G permit (cross-border commuter permit) for more than three years.

Yes, as long as your residence permit is still valid at the time of the loan application and you have been resident in Switzerland for at least 6 months.

Yes. We can advise you during a private consultation session.

Only if you take up (secondary) work and the income you earn is sufficient to repay the loan requested, in accordance with credit rating checks.

We do also provide loans to self-employed people. However, a loan issued to someone who is self-employed is subject to additional conditions. We would be happy to advise you during a personal consultation session.

In order for a request to be processed, the following mandatory documents must be provided:

      • a copy of an official identity document (passport, identity card, driving licence or identity document for foreign nationals (front and back))

      • preferably, a copy of your last three salary statements.

Costs,
instalments and
interest rates

As a loan provider, we work with several banks and we can only establish the interest rate after a loan agreement has been duly processed. Interest costs depend on the amount requested and also on the period selected. Of course, we always look for the lowest prices.

Loan application and processing are free of charge. Even if your loan request is refused, no cost will be charged.

The repayment time is stated in the contract and you are free to choose it.

After checking the loan application, the person’s solvency is assessed, i.e. their ability to pay their debts, and their credit rating is checked. This is based on the customer’s credit history and is used to analyze whether they are trustworthy or not. The interest rate of the loan is then calculated on the basis of the person’s solvency.

Transferring and making changes to the loan, unexpected events, insurance

For a fee, you can insure the interest and instalments at the time when you apply for the loan, to protect yourself against unemployment and any inability to earn money through no fault of your own.

Call 0800 43 43 44 now. We’ll provide you with information on what to do next.

Existing loans may be increased at any time. A new loan agreement will replace the existing one if the requirements are met (positive loan assessment in terms of credit rating).

You can transfer credits and debits from credit cards and leasing agreements by providing us with the final statement of the remaining payable amount to be transferred. Contact us: we will be happy to advise you (telephone: 0800 43 43 44).

You may, at any time, pay a higher amount than the defined monthly instalment. If you wish to reduce your instalment amount, we would be happy to check for you whether it would be possible to increase your loan amount with a new due date.

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It is forbidden to grant a loan if this causes excessive indebtedness (art. 3LCSI)