- Place of residence in Switzerland or Liechtenstein.
- Age: at least 18 years.
- ID: Swiss passport or identity card, foreign national ID card C or foreign national ID card B. With permit B, you must have lived in Switzerland for at least two years (EU/EFTA) or five years (other countries).
- Regular income that allows you to pay the instalments. If you are in your probationary period, you need a seamless transition from your previous job.
- No open debt collection proceedings and no ongoing bankruptcy proceedings. It is best to settle paid debt collection proceedings with the debt collection office before you apply.
- Creditworthiness under the Consumer Credit Act (CCA): We check your budget and query the ZEK and the IKO.
You can apply for between CHF 1,000 and CHF 100,000, with a term of 1 to 60 months. Approval is only given after a full review of your details and documents.