Need to finance a project, smooth out an expense, or consolidate debts?
In Switzerland, consumer credit (LCC) is a fixed-rate personal loan repaid in monthly installments over 6 to 84 months.
At MultiCredit, we focus on a clear and responsible offer: suitable amount, comfortable monthly payment, optimized total cost.
Key facts
- Indicative amount: CHF 3,000 – 400,000
- Duration: 6 – 84 months
- Indicative fixed rates: approx. 5.9 % – 10.95 %
- Early repayment: possible at any time
- Death insurance: included (remaining balance covered)
- Confidentiality: no contact with your employer
(Final conditions depend on your profile, income/expenses, ZEK/IKO records, and partner policies.)
What can a consumer loan be used for?
- Personal projects: travel, wedding, education, mobility.
- Unexpected costs: health, repairs, installations.
- Temporary cash flow: while waiting for a bonus or payment.
- Debt consolidation: one single payment, simplified budget.
- Minor home works: without touching your mortgage.
⚖️ Objective: a sustainable monthly payment after rent, expenses, and insurance.
4-Step process (fast & compliant)
- Simulation: amount, duration, target monthly payment.
- LCC assessment: creditworthiness (ZEK/IKO), income stability, expenses.
- Detailed offer: fixed rate, total cost, repayment schedule.
- Payout: funds transferred to your account, early repayment possible.
Sample calculations (illustrative)
- CHF 10,000 · 24 months · 7.9 % → monthly ≈ CHF 452 · interest ≈ CHF 845
- CHF 20,000 · 48 months · 7.5 % → monthly ≈ CHF 483 · interest ≈ CHF 3,160
- CHF 30,000 · 60 months · 6.9 % → monthly ≈ CHF 592 · interest ≈ CHF 5,520
(Longer duration ↓ monthly cost but ↑ total cost.)
Smart habits to pay less
- Choose the shortest duration your budget can handle.
- Keep a cash buffer (1–3 months of expenses).
- Avoid multiple small loans or cards – one clear loan is better.
- Use early repayments (13th salary, bonus) to cut interest costs.
Helpful documents (speed up approval)
- 2–3 recent pay slips and/or proof of income.
- Recent bank statements (recurring expenses).
- ID and residence permit if applicable.
- List of existing credits (ZEK/IKO transparency).
Why choose MultiCredit?
- Since 1999: Swiss expertise, partner network, absolute confidentiality.
- Tailor-made offers: target monthly payment, optimized term, controlled total cost.
- Human approach: clear explanations, no jargon, continued support after payout.
FAQ — Consumer Credit in Switzerland
Can a consumer loan replace the down payment for a home purchase?
No, not for the required 10 % of “hard” equity. It may, however, cover ancillary costs if affordability allows.
Is the simulated interest rate guaranteed?
No, it’s indicative. The final rate depends on your profile and partner policies.
Can I repay early?
Yes, anytime. The goal is to minimize interest costs.
Will you contact my employer?
No. Full confidentiality in loan assessment.
Which loan duration should I choose?
The shortest one your budget comfortably supports (balance between payment and total cost).
Speak with a MultiCredit advisor
MultiCredit Sàrl – Your Swiss credit specialist since 1999
Rue de la Banque 4, CP 77 — 1701 Fribourg, Switzerland
Phone 026 322 23 10 · Mobile 079 936 31 75
E-mail info@multicredit.ch
Hours Monday – Friday, 08:30 – 18:00
An article by Munur Aslan, Director of Multicredit.
