Credit Checklist

Requirements for loans are:

  • Net income of at least CHF 2,800.
  • No outstanding debt enforcement proceedings, certificates of loss or bankruptcy.
  • Valid Swiss passport or B or C residence permit.
  • Foreigners with a B residence permit who have lived in Switzerland for at least 12 months.
  • Age between 18 and 69 years.

The application will generally be checked and a response sent within 24 hours, provided that all the necessary documents (copy of ID, salary slips, etc.) have been submitted. If the decision is favourable, an offer with a contract template will be sent by post or e-mail. As soon as you have returned the signed contract to us, the bank will transfer the desired loan directly to your account, taking into account the statutory waiting period of 14 days.