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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 we apply a rigorous and human-centred approach, fully aligned with the Swiss Consumer Credit Act (CCA) and ZEK credit-information standards.
A complete assessment before approval
Each application is reviewed individually: income, expenses, employment situation, financial history, housing stability, any ongoing proceedings, as well as saving habits and projected budget. These elements make it possible to verify the applicant’s borrowing capacity and avoid any risk of over-indebtedness. This step lies at the core of our mission: protecting our clients, especially young borrowers who are discovering credit management for the first time.
Transparency as a principle
The interest rate, duration, monthly payments and total cost are always presented clearly before any signature. The annual percentage rate (APR) includes all fees—no surprises. MultiCredit also informs clients of their 14-day revocation right and of the possibility of early repayment, with a reduction of interest for the unused period. This framework is defined by the CCA and ensures an informed decision.
Shared responsibility
Our advisors systematically remind clients that a loan must never compromise their financial balance. We guide young adults in building a realistic financial plan: reasonable amount, suitable duration, and a safety margin for unexpected events. A loan simulator is also available to visualise the monthly impact before making any request.
A strict legal framework
Swiss legislation forbids any loan that would lead to over-indebtedness (Art. 3 UCA). Financial institutions are also required to consult ZEK and IKO to verify the applicant’s solvency and ensure that existing loans are not excessive. Data is processed in accordance with the Federal Data Protection Act (FDPA): secure, confidential and used exclusively for credit assessment.
MultiCredit: Ethical financing
Since 1999, MultiCredit has been a trusted partner for thousands of clients across Switzerland. We promote a modern vision of lending: useful, regulated, transparent. For young adults, it is also a first step into financial education: planning, comparing, and repaying with confidence.
Responsible lending is, above all, respect for the client and their future.
An article by Munur Aslan, Director of Multicredit.
