In Switzerland On a financial market undergoing profound transformation, the assessment of creditworthiness has never been more central. Swiss banks, as well as specialised financing institutions, must comply with the Swiss Consumer Credit Act (LCC) and the Data Protection Act (LPD). These legal frameworks impose a clear duty: avoid over-indebtedness and guarantee the responsible granting […]
In Switzerland, many clients pay interest rates that are far too high without even realising it. Between consumer loans at 10.95%, costly car leasing contracts and credit cards with compound interest, the bill can quickly climb. Yet it is often possible to obtain better conditions. This is exactly where MultiCredit comes in. As a financing […]
In Switzerland, consumer credit is not just a financing tool – it is also a frequently underestimated tax lever. Few individuals know that a personal loan can reduce their annual tax burden thanks to the deduction of interest and the inclusion of debt in wealth tax calculations. MultiCredit, a credit specialist since 1999, supports every […]
Choose the right option • Auto loan (dedicated personal loan) You become the owner of the vehicle from the moment of purchase.Fixed monthly instalments, and you can sell the car at any time.Full comprehensive insurance recommended, but not always mandatory. • Leasing You are not the owner (registration document is in the lessor’s name).Mileage limits […]
When your leasing contract is coming to an end, one essential question arises: what should you do with the vehicle’s residual value?This amount, defined at the time of signing the contract, represents the estimated value of the car at the end of the leasing period. It’s not just a technical figure — it’s the cornerstone […]
Enter an amount, a duration and a fixed rate: our personal loan calculator estimates monthly payments, total cost and interest according to the Swiss Consumer Credit Act (CCA). Ideal for comparing several scenarios before submitting a request to MultiCredit. What is it for? How to use the calculator (3 steps) Tip: Test 2–3 different durations […]
V Accessing a first loan is often a major milestone: buying a car, funding education, furnishing a first apartment… These projects mark the transition to independence, but they also come with a new financial responsibility. At MultiCredit, we believe that a loan should be a tool for freedom—never a source of dependency. This is why […]
Taking out a consumer loan allows you to finance personal projects — buying a vehicle, home renovations, travel, a wedding, or consolidating debts. But when life brings unexpected events, your repayment capacity can be affected. Illness, an accident, or job loss can quickly turn a manageable loan into a source of stress. This is why […]
In Switzerland, holding a civil servant status offers job stability and predictable income, which can make it easier to obtain a personal (consumer) loan — provided that the Swiss Consumer Credit Act (LCC) rules are respected and your budget remains sustainable. At MultiCredit, we value your civil servant profile to design a tailored, transparent, and […]
Buying a home in Switzerland requires a down payment of at least 20%, of which at least 10% must come from “hard” equity — personal savings or cash not derived from pension funds.In this context, the temptation to use a consumer loan to “create” part of that down payment is understandable.But is it possible? And […]
A divorce or separation means rebuilding two lives: two homes, legal fees, new arrangements for children, and sometimes a buyout of shared property or repayment of joint debts.Used wisely, a consumer loan can act as a financial buffer — provided it remains responsible, transparent, and compliant with Swiss LCC law. At MultiCredit, we help you […]
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 (Final conditions depend on your profile, […]
For more information, consult our specialist or ask us for an offer!
