Credit simulator

At MultiCredit, we understand that choosing a loan is an important step in realizing your projects. That’s why we’ve designed a simple, effective online credit simulator that lets you estimate your monthly payments and the total cost of your loan in just a few clicks. At MultiCredit, simplicity and transparency are at the heart of our commitment.

Why use the MultiCredit credit simulator?

• Quick and easy estimate: Simply enter your desired amount and repayment term, and you’ll receive a precise simulation of your monthly payments.
• Taking real costs into account: Our simulator includes the Annual Percentage Rate (APR), to give you a complete, realistic estimate.
• Customize: Adjust the settings to view different options for applying for credit and find the solution that best suits your budget.

Decision in principle within 24 to 48 hours, thanks to our experience in the market since 1999.

MultiCredit : More than a simulator, personalized support

With years of experience, MultiCredit has established itself as a leading expert in helping private individuals in Switzerland with their credit needs. We know that every situation is unique, and our simulator is designed to be your first step towards a tailor-made solution.

Our expertise at your service:

1. Attentive listening:
   We place your needs at the heart of our approach. After your simulation, our advisors analyze your profile to propose a perfectly adapted offer.
2. Flexible solutions:
   We work with a wide network of partners to offer you loans ranging from CHF 3,000 to CHF 400,000, with repayment terms to suit your needs.
3. Total transparency:
   We explain financial terms such as nominal and effective rates in detail, so you can fully understand the cost of your credit.
4. A turnkey service:
   From the initial simulation to obtaining credit, we’re with you every step of the way, guaranteeing a simple, fast and stress-free process.
5. We can also help you find a credit card solution

Obtaining a private credit can be an excellent solution for financing a project, whether it’s a major purchase, a cash-flow requirement or debt consolidation. However, it is essential to proceed in a secure manner to avoid any risk of over-indebtedness and benefit from the best financial conditions.

With MultiCredit, you have access to transparent financing solutions tailored to your situation, negotiated at the best rates on the market. Discover the essential steps to securing your credit application while optimizing your chances of obtaining it.

Analyse Your Borrowing Capacity Before Applying

Before submitting a credit application, it’s essential to check your financial situation to avoid a commitment that could weaken your personal finances.

Calculate your debt ratio

In Switzerland, banks apply a strict rule: your debt ratio must not exceed 33% of your net income. This means that the total of your monthly expenses, including the credit you are applying for, must not exceed one-third of your income.

Determining the ideal monthly payment

The amount of your future monthly payment must be adapted to your budget to guarantee comfortable repayment.

💡 MultiCredit tip: Use our online simulator to quickly calculate the optimum amount you can borrow and the corresponding monthly payments.

Check your financial commitments

If you already have several outstanding loans, it may be a good idea to reduce your debt before applying for a new one. One effective solution is to buy back credit, which enables you to combine several loans into a single loan with a lower monthly payment and a more attractive interest rate.

Compare Offers to Get the Best Credit

Each bank applies different conditions in terms of interest rate, repayment period and creditworthiness requirements. Making the right choice is essential to securing your credit and avoiding unnecessary costs.

📌 The different types of credit offered by MultiCredit :

✔ Crédit privé: a flexible personal loan to finance your projects.
✔ Mortgage loan: a financing solution for the purchase of real estate.
✔ Auto credit: a loan specifically designed to finance a vehicle.
✔ Rachat de crédit: an option for reducing your monthly payments and simplifying your financial management.

💡 MultiCredit tip: We analyze several bank offers simultaneously, to offer you the most advantageous and secure solution.

Preparing a Complete and Reliable File

A well-prepared application speeds up the processing of your request and maximizes your chances of obtaining a rapid agreement with advantageous conditions.

📌 Documents required for a secure credit application :

✔ Valid ID (ID card, passport or B/C residence permit for foreigners).
✔ S alary slips for the last 3 months to justify your income.
✔ Last tax return, essential to prove your solvency.
✔ Recent bank statements, attesting to your financial management.
✔ Extract from the debt collection register, to show that you have no history of unpaid debts.

💡 MultiCredit Tip: We’ll help you put together your file and make sure it’s complete and optimized to avoid any delays in processing your application.

Use a broker for a 100% secure application

Applying for credit directly from a bank can be complex and time-consuming. What’s more, multiple applications can have a negative impact on your credit score.

That’s why using a broker like MultiCredit allows you to :

✔ Access the best offers without affecting your credit rating.
✔ Maximize your chances of acceptance with expert file assembly.
✔ Avoid mistakes that could delay or compromise your application.

💡 Why choose MultiCredit?

• 100% free, no-obligation service.
• No advance fees: you only pay if credit is granted.
• Total transparency on credit terms.
• Rates negotiated with several banks to guarantee you the best terms.

📌 MultiCredit tip: Unlike traditional banks, we study your situation in its entirety and propose the most suitable and secure solution.

Check the Regulations and Avoid Scams

The credit market can be risky. Some overly attractive offers may conceal abusive fees or disadvantageous conditions.

❌ Absolutely avoid for a secure credit application:

• Offers without credit checks (often scams).
• Organizations charging upfront fees to secure a loan.
• Loans with abnormally low interest rates without explanation.

💡 MultiCredit tip: We only work with Swiss banks that are recognized and approved by FINMA, guaranteeing total security for your credit.

Finalize the Application and Accept Credit in Complete Security

Once your request has been validated, MultiCredit will propose the most advantageous offer and accompany you until the contract is finalized.

✔ Reread your contract carefully before signing.
✔ Make sure the amount, term and rate are in line with your expectations.
✔ Check the APR (Annual Percentage Rate) to find out the total cost of credit.

💡 MultiCredit tip: If you have the slightest doubt, we’ll advise you before signing to guarantee a transparent commitment.

Why choose MultiCredit for secure credit?

The advantages of MultiCredit :

🔹 F ree, no-obligation comparison of the best offers.
🔹 Personalized support to maximize your chances of success.
🔹 100% secure service, with no hidden fees or upfront commitments.
🔹 Access to preferential rates thanks to our banking partnerships.

💡 Do you have a project and want reliable, secure credit?

Apply online in just a few minutes and get a fast response with MultiCredit.

📞 Need advice? Contact our experts for a free analysis of your situation and a solution tailored to your needs! 🚀

How does the MultiCredit credit simulator work?

1. Enter your project amount: For example, CHF 15,000.
2. Choose the desired repayment term: For example, 48 months.
3. Get a detailed simulation: immediately see your monthly payments and total cost, including APR.

Our simulator is designed to give you a clear picture of your financing options, while allowing you to compare different terms and amounts.

Why choose MultiCredit?

• A human, expert approach: Our experienced advisors take the time to understand your expectations and financial constraints.
• Competitive rates: We negotiate with our partners to offer you advantageous conditions tailored to your situation.
• A simplified process: We make sure that obtaining your credit is fast, smooth and without surprises.

Realize your projects with complete peace of mind!

The MultiCredit credit simulator is the first step towards making your dreams come true. Use our tool now to get a clear idea of your monthly payments, and contact our advisors for a personalized offer. With MultiCredit, you benefit from tailor-made support, recognized expertise and attentive listening at every stage of your credit.

Simulate your credit today and move forward with confidence with MultiCredit!