FAQ
- What is a personal loan?
As a personal loan, a loan is called, in which the borrower is not commercial, but a private person. A personal loan must be within 6 - 120 months to be repaid.
- What are the requirements to apply for a personal loan?
- Age of Consent (minimum age 18)
- Residence in Switzerland
- Swiss citizenship or legal permit of residence B / C / G
- Steady monthly income
- Good repute
- Creditworthiness
- What is the max. amount to apply for?
Your credit amount depends on your financial circumstances and according to your repayment options.
- Can I transfer an existing loan by budgetcredit.ch?
Yes, you need only to tell us where you have your current loan, we do the rest for you.
- I am retired. Can I apply for a loan?
Yes, if you do not receive any AHV supplementary benefits.
- I am self-employed. Can I apply for a loan?
Yes, our team of advisors can provide information.
- I am a student. Can I apply for a loan yet?
Yes, if you are in a (secondary) employment, which you can use to fund the loan. (net. 2800.-CHF)
- Can I deduct the interest from the tax?
Yes, debt interest can be deducted from taxes.
- Can I combine my existing loan with another loan?
Yes, in principle, a credit will be merged with an existing credit.
- What happens if I get the payment in delay?
If you delay on your payments please call us. Our consulting team can provide information.
- How long does it take to process my loan application?
Your loan application will be processed normally within 24 hours.
- How can I increase my chances of getting a positive credit decision?
By answering all questions correctly and truthfully. Married or cohabiting applicant we recommend to apply along with their spouse / partner (co-applicant). Our team of consultants can provide information.
- Checklist - These documents are required
In order to process your loan request quickly, we need certain documents from you. The following checklist provides an overview of what documents, depending on your personal circumstances, are required.
- You are single and want a loan?
- Copy of valid ID or passport
- Copy of the last 3 pay slips, bonus or 13th month's salary
- You are a foreigner with residence permit B, C or G and want a loan?
- Copy of valid ID or passport
- Copy of the last 3 pay slips, bonus or 13th month's salary
- You are married, have children and want a loan?
- Copy of valid ID or passport
- Copy of the last 3 pay slips, bonus or 13th month's salary
- Copy of valid ID or passport of your spouse
- Copy of the last 3 pay slips, bonus or 13th month's salary of your spouse
- You are divorced, you have children and you want a loan?
- Copy of valid ID or passport
- Copy of the last 3 pay slips, bonus or 13th month's salary
- if you get child support or if you have to pay child support specify exactly
- You are self-employed and want a loan?
- Copy of ID or passport
- Last tax statement - where the definitive income is seen
- If available pay slips of an additional income
- Copy of the last 3 pay slips of your partner
- You get AHV pension or IV pension and want a loan?
- Copy of ID or passport
- Copy of the monthly payments from AHV, IV or pension
- If available 3 pay slips of any additional income
- Copy of the last 3 pay slips your partner