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Legal requirements

You will find all relevant information in the table below.
Contact us if you have any questions or read through our Frequently Asked Questions to find more answers.

Legal requirements for applying for a loan

Minimum age 18
Age limit 69 (The loan must be paid off in full before reaching your 70th year)
Minimum income/strong> CHF 2’500.00 netto
ID Swiss passport or ID
Residence permit B/C/L
Cross-border permit G
Employment / Income Permanent employee
Temporary employee
AHV/IV-pensioners (with no supplementary benefits)
Prosecutions / Seizures/ Certificates of shortfall You cannot have any active prosecutions, seizures or certificates of shortfall.


Credit-related information

Loan amount CHF 3’000-250’000
Durations 6-72 months
Effective annual interest rates Depend on individual offer from the banks – ranges between 7.9%-14,5%
Intermediary fees
Administrative charges
Required documentation to apply for a personal loan

Copy of a valid ID ( Swiss passport, ID or residence permit)
Copy of the latest pay slip (3 latest payslips for hourly wages)

Waiting period before decision 24 hours
Waiting period before payout 7 days (for loans of at least CHF 80’000 no waiting period, the amount is paid out immediately)
Payment type

Payment in cash at the bank
Transfer to a post or bank account