Conditions focuses on complete transparency towards its consumers: in the following, you will find all important information and conditions for obtaining a credit.

Legal requirements for granting private loans

Minimum years of age 18 years
Maximum years of age 69 (the loan must be repaid by the age of 70)
Minimum income CHF 2,300.00 net
Identity card
  • Swiss passport or ID
  • Foreign identity document B/C/L
  • Cross-border commuter identity document G
Employment relationships/Earnings
  • Permanently employed
  • Temporary employment
  • Self-employed
  • Retired, based on old age and survivors insurance/invalidity insurance (without supplementary benefits)
Compulsory execution / seizure / certificate of loss No open compulsory execution, garnishments, certificates of loss may be registered.

Loan-related information

Loan amounts CHF 3'000-250'000
Loan life 6-84 months
Effective annual interests From 6.9-9.95%, depending on the individual offer of the loan bank


Administrative fee


Necessary documents to apply for a private loan
  • Copy of a valid identity card (Swiss passport, ID or foreign identity document)
  • Copy of the current payroll accounting slip (in case of hourly wages copies of the last three payroll accounting slips)
Waiting period until the loan decision

24 hours

Waiting period until the loan disbursement

14 days (waiting period as required by law – loans starting from 80,000 CHF are paid out directly, as the legal waiting period does not apply in this case)

Type of disbursement
  • Cash disbursement on the bank counter
  • Transfer to the post or bank account