{"id":30591,"date":"2025-01-19T18:27:01","date_gmt":"2025-01-19T18:27:01","guid":{"rendered":"https:\/\/multicredit.ch\/offre-credit\/online\/"},"modified":"2026-03-10T15:27:45","modified_gmt":"2026-03-10T15:27:45","slug":"online","status":"publish","type":"page","link":"https:\/\/multicredit.ch\/en\/credit\/offre-credit\/online\/","title":{"rendered":"Online credit"},"content":{"rendered":"<section class=\"wpb-content-wrapper\">[vc_row full_width=&#8221;stretch_row&#8221; el_class=&#8221;white-bck bigpadding&#8221; css=&#8221;.vc_custom_1586929679182{padding-bottom: 24px !important;}&#8221;][vc_column data_aos=&#8221;fade-in&#8221;]<\/p>\n<div class=\"blocktitle title-center title-dark\" clearfix\"><H2>Apply for credit online with MultiCredit<\/H2><\/div>\n<p>[vc_column_text]Obtaining credit online in Switzerland has become a practical and effective solution for financing a variety of personal or professional projects. Whether you&#8217;re looking to purchase a vehicle, renovate your home, study or meet unforeseen needs, this comprehensive guide will take you step by step through the process of applying for a <a href=\"https:\/\/multicredit.ch\/en\/credit\/\">private credit<\/a> with MultiCredit. We also anticipate common questions you may have throughout the process.  <\/p>\n<h1><strong>How do I apply for a loan in Switzerland with MultiCredit?<\/strong><\/h1>\n<p>To obtain <a href=\"https:\/\/multicredit.ch\/en\/\">credit in Switzerland<\/a>, whether <strong>private, mortgage or business<\/strong>, you need to <strong>present a solid, well-structured application<\/strong>. A complete, well-prepared file <strong>speeds up processing<\/strong>, <strong>increases your chances of acceptance<\/strong> and may even <strong>enable you to negotiate a better rate<\/strong>. <\/p>\n<p>With <strong>MultiCredit<\/strong>, you benefit from <strong>personalized support<\/strong> to optimize your file and obtain a <strong>loan adapted to your situation<\/strong>.<\/p>\n<p>Discover <strong>the key steps<\/strong> to building a <strong>convincing credit file<\/strong>.<\/p>\n<hr>\n<h2><strong>Understanding Swiss credit eligibility criteria<\/strong><\/h2>\n<p>Avant de d\u00e9poser une demande, il est essentiel de savoir <strong>how banks assess your file for a bank loan <\/strong><a href=\"https:\/\/multicredit.ch\/en\/credit\/bank\/\">bank loan<\/a><strong>.<\/strong><\/p>\n<h3>\ud83d\udccc <strong>Main criteria analyzed by lenders :<\/strong><\/h3>\n<p>\u2714 <strong>Your income and financial stability<\/strong> (permanent employment, self-employment, retirement, etc.).<br \/>\n\u2714 <strong>Your debt ratio<\/strong> (ideally below 33% of net income).<br \/>\n\u2714 <strong>Your banking history and credit score<\/strong> (no late payments, no lawsuits).<br \/>\n\u2714 <strong>The type of credit requested and its suitability for your financial situation<\/strong>.<\/p>\n<p><strong>\ud83d\udca1 MultiCredit tip<\/strong>: We assess your <strong>profile and eligibility<\/strong> before submitting your application, to maximize your chances of acceptance.<\/p>\n<hr>\n<h2><strong>Gather all essential documents<\/strong><\/h2>\n<p>An <strong>incomplete application may result in a refusal or delay in<\/strong> the processing of your request.<\/p>\n<p>\ud83d\udccc <strong>Documents required for a <\/strong><a href=\"https:\/\/multicredit.ch\/en\/how-to-apply-for-a-car-loan\/\">credit application in Switzerland<\/a><strong>:<\/strong><\/p>\n<h3><strong>Identity documents and residency status<\/strong><\/h3>\n<p>\u2714 Identity card or passport.<br \/>\n\u2714 <strong>B or C<\/strong> residence permit for foreigners.<\/p>\n<h3><strong>Proof of income<\/strong><\/h3>\n<p><strong>\u2714 Employees<\/strong>: Salary slips for the <strong>last 3 months<\/strong>.<br \/>\n\u2714 S <strong>elf-employed<\/strong>: Balance sheets for the <strong>last 3 years<\/strong> and latest tax returns.<br \/>\n\u2714 <strong>Pensioners<\/strong>: Certificate of pension or proof of pension.<\/p>\n<h3><strong>Bank statements<\/strong><\/h3>\n<p>\u2714 Bank statements for the <strong>last 3 months<\/strong>, showing stable financial management.<\/p>\n<h3><strong>Extract from the debt enforcement register<\/strong><\/h3>\n<p>\u2714 To be obtained from the Office des Poursuites in your canton to prove the absence of unpaid debts.<\/p>\n<h3><strong>Amortization schedules for current loans<\/strong><\/h3>\n<p>\u2714 If you already have outstanding loans, banks will analyze your ability to repay.<\/p>\n<p><strong>\ud83d\udca1 MultiCredit tip<\/strong>: We help you <strong>check and organize<\/strong> your file so that it&#8217;s <strong>complete and optimal right from the first submission<\/strong>.<\/p>\n<hr>\n<h2><strong>Calculate your debt ratio and adjust your loan<\/strong><\/h2>\n<p>Before <a href=\"https:\/\/multicredit.ch\/en\/credit-application\/\">applying for credit<\/a>, it&#8217;s important to <strong>calculate your debt ratio<\/strong> to make sure it&#8217;s within an acceptable range.<\/p>\n<p><strong>\ud83d\udccc How do you calculate your debt ratio?<\/strong><br \/>\n<strong>(Total fixed monthly expenses \/ Net monthly income) x 100<\/strong><\/p>\n<p>Example:<\/p>\n<ul>\n<li>Net monthly income: <strong>CHF 5,000<\/strong><\/li>\n<li>Expenses (rent, outstanding loans, insurance): <strong>CHF 1,500<\/strong><\/li>\n<li><strong>Debt ratio = (1,500 \/ 5,000) x 100 = 30%<\/strong> (acceptable)<\/li>\n<\/ul>\n<p><strong>\ud83d\udca1 MultiCredit tip<\/strong>: If your debt ratio is too high, we can <strong>study a credit repurchase solution<\/strong> to <strong>reduce your monthly payments<\/strong> and optimize your application.<\/p>\n<hr>\n<h2><strong>Choosing the right loan amount and term<\/strong><\/h2>\n<h3><strong>Don&#8217;t ask for too much<\/strong><\/h3>\n<p>More <a href=\"https:\/\/multicredit.ch\/en\/\">credit<\/a> than you need may <strong>reduce your chances of acceptance<\/strong> and <strong>increase the total cost of the loan<\/strong>.<\/p>\n<h3><strong>Choose the right duration<\/strong><\/h3>\n<p>\u2714 A short term = higher monthly payments but lower total cost of credit.<br \/>\n\u2714 A long term = lower monthly payments but higher cost of credit.<\/p>\n<p><strong>\ud83d\udca1 MultiCredit tip<\/strong>: <strong>We simulate several loan scenarios<\/strong> to find the <strong>best amount\/duration\/interest rate combination<\/strong> for your budget.<\/p>\n<hr>\n<h2><strong>Adding Guarantees to Secure Credit<\/strong><\/h2>\n<p>If your credit file shows certain <strong>weaknesses<\/strong>, adding <strong>guarantees<\/strong> can improve your chances of obtaining a <strong>better rate<\/strong>.<\/p>\n<p>\ud83d\udccc <strong>Solutions to secure your file:<\/strong><br \/>\n\u2714 <strong>A co-borrower<\/strong> (spouse, parent) to reassure the bank.<br \/>\n\u2714 <strong>A property as collateral<\/strong> if you own your own home.<br \/>\n\u2714 <strong>Substantial savings<\/strong> to prove your ability to cope with the unexpected.<\/p>\n<p><strong>\ud83d\udca1 MultiCredit tip<\/strong>: We advise you on the <strong>best strategies to optimize your file<\/strong> and get a fast response.<\/p>\n<hr>\n<h2><strong>Use a Broker to Maximize Your Chances<\/strong><\/h2>\n<p>Going direct to a bank <strong>can be risky<\/strong>, as a refusal can have a negative impact on your <strong>credit score<\/strong>.<\/p>\n<h3><strong>Why use MultiCredit?<\/strong><\/h3>\n<p>\u2714  <strong>We compare several banking offers without affecting your score.<\/strong><br \/>\n\u2714  <strong>We&#8217;ll negotiate a better rate for you.<\/strong><br \/>\n\u2714  <strong>We put together your application to maximize your chances of acceptance.<\/strong><br \/>\n\u2714  <strong>100% secure and with no advance payment.<\/strong><\/p>\n<p><strong>\ud83d\udca1 MultiCredit tip<\/strong>: We find <strong>the best credit solution for your situation<\/strong> and help you avoid the mistakes that can lead to rejection.<\/p>\n<hr>\n<h2><strong>Checking regulations and avoiding pitfalls<\/strong><\/h2>\n<p>\ud83d\udccc <strong>Rules to follow for a secure credit application:<\/strong><br \/>\n\u2714 Don&#8217;t multiply applications at the same time (this can damage your bank scoring).<br \/>\n\u2714 Check for <strong>hidden charges<\/strong> and <strong>APR<\/strong> (Annual Percentage Rate).<br \/>\n\u2714 Make sure the credit organization is <strong>approved by FINMA<\/strong> (Autorit\u00e9 de Surveillance des March\u00e9s Financiers).<\/p>\n<p>\u26a0\ufe0f <strong>Absolutely avoid:<\/strong><br \/>\n\u274c &#8220;No receipt&#8221; or &#8220;no bank check&#8221; credit offers (often scams).<br \/>\n\u274c Companies asking for upfront fees before credit is granted.<\/p>\n<p><strong>\ud83d\udca1 With MultiCredit, you&#8217;re protected<\/strong>: We <strong>only<\/strong> work <strong>with recognized Swiss banks<\/strong>, guaranteeing <strong>total transparency<\/strong>.<\/p>\n<hr>\n<h2><strong>A successful credit application with MultiCredit<\/strong><\/h2>\n<p>A <strong>well-prepared application<\/strong> is the key to <strong>obtaining credit quickly and at an attractive rate<\/strong>.<\/p>\n<h3><strong>Why put your trust in MultiCredit?<\/strong><\/h3>\n<p>\ud83d\udd39 <strong>Personalized, 100% secure support<\/strong>.<br \/>\n\ud83d\udd39 F ree, no-obligation comparison of the best offers.<br \/>\n\ud83d\udd39 <strong>Negotiating the most advantageous rates for you<\/strong>.<br \/>\n\ud83d\udd39 <strong>No advance fees and a totally transparent approach<\/strong>.<\/p>\n<p><strong>\ud83d\udca1 Do you have a project and want to obtain credit in Switzerland?<\/strong><\/p>\n<p>\ud83d\udcde <strong>Contact MultiCredit today<\/strong> and benefit from a <strong>free analysis of your file<\/strong> to maximize your chances of acceptance! \ud83d\ude80[\/vc_column_text][vc_column_text el_class=&#8221;pb-2 maxwidth&#8221;]<\/p>\n<h2><strong>Understanding Online Credit<\/strong><\/h2>\n<p>Before applying for credit online, it&#8217;s essential to understand what online credit is and how it differs from traditional in-branch credit.<\/p>\n<h2><strong>What is Online Credit?<\/strong><\/h2>\n<p>Online credit is a loan granted by a financial institution via a digital platform. Unlike traditional loans, which require a visit to a branch, the entire process &#8211; from application to approval &#8211; takes place online, offering speed and convenience. <\/p>\n<h2><strong>Advantages of online credit<\/strong><\/h2>\n<ul>\n<li><strong>Speed:<\/strong> Approval decisions are often made in minutes to days.<\/li>\n<li><strong>Convenience:<\/strong> You can apply from home, at any time.<\/li>\n<li><strong>Transparency:<\/strong> easy access to loan terms and interest rates.<\/li>\n<li><strong>Easy comparison:<\/strong> Quickly compare different offers.<\/li>\n<\/ul>\n<h2><strong>Assess Your Financial Needs<\/strong><\/h2>\n<p>Before applying for credit online, it&#8217;s crucial to assess your financial needs and determine the exact amount you want to borrow.<\/p>\n<h2><strong>Define the Purpose of the Credit<\/strong><\/h2>\n<ul>\n<li><strong>Personal projects:<\/strong> Car purchase, home renovation, travel.<\/li>\n<li><strong>Professional project:<\/strong> financing a business, investing in equipment.<\/li>\n<li><strong>Liquidity needs:<\/strong> Cover unforeseen expenses, consolidate existing debts.<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<h3>Our strengths in obtaining the best possible offers for our customers throughout Switzerland are as follows<\/h3>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; el_class=&#8221;white-bck&#8221; css=&#8221;.vc_custom_1586930817763{padding-top: 24px !important;padding-bottom: 0px !important;}&#8221;][vc_column width=&#8221;1\/2&#8243; data_aos=&#8221;fade-up&#8221; el_class=&#8221;checklist&#8221;][vc_column_text]<\/p>\n<ul>\n<li>You receive a preliminary decision on your credit offer in just 5 minutes, during your initial telephone contact.<\/li>\n<li>Free processing of your application and no-obligation credit offer<\/li>\n<li>Guaranteed confidentiality (we are bound by banking secrecy)<\/li>\n<li>Flexible credit repayment over 12 to 84 months<\/li>\n<li>Adjusted monthly payments and lower interest<\/li>\n<li>Flexible, adaptable terms (duration, rate, amount)<\/li>\n<li>Pay off your loan early at any time without penalty<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/2&#8243; data_aos=&#8221;fade-up&#8221; data_aos_delay=&#8221;250&#8243; el_class=&#8221;checklist&#8221;][vc_column_text]<\/p>\n<ul>\n<li>For Swiss nationals and C permit holders, tax deductions possible for interest on debt<\/li>\n<li>Easier and faster than mortgages and <a href=\"https:\/\/multicredit.ch\/en\/credit\/loan-buyout\/lease-refinancing\/\">leasing<\/a><\/li>\n<li>Our team will take care of all your administrative formalities<\/li>\n<li>Simple, quick and discreet procedures<\/li>\n<li>Your file compiled by a credit specialist<\/li>\n<li>Personalized advice at home or at our office to optimize your credit application in Switzerland<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; el_class=&#8221;white-bck bigpadding&#8221; css=&#8221;.vc_custom_1586929684389{padding-top: 24px !important;}&#8221;][vc_column data_aos=&#8221;fade-in&#8221;][vc_column_text el_class=&#8221;pt-2&#8243;]<\/p>\n<p style=\"text-align: center;\"><strong>For private individuals living in Switzerland, Swiss nationals or <g id=\"gid_0\">holders of a B, C permit or legitimation card (D, E, G and H)<\/g>, increasing your liquidity is possible, and so is saving money. Benefit from an individualized study of your project, and a tailor-made loan offer very quickly. <\/strong><\/p>\n<h2><strong>Calculate the required amount<\/strong><\/h2>\n<p>Carefully estimate the amount you need, taking into account all the expenses associated with your project.<\/p>\n<h2><strong>Analyze Your Ability to Repay<\/strong><\/h2>\n<ul>\n<li><strong>Monthly income:<\/strong> Calculate your net income.<\/li>\n<li><strong>Monthly expenses:<\/strong> List all your fixed and variable expenses.<\/li>\n<li><strong>Debt ratio:<\/strong> In Switzerland, it is recommended that your total debts should not exceed 33% of your gross income.<\/li>\n<\/ul>\n<h2><strong>Choosing the right type of credit<\/strong><\/h2>\n<p>MultiCredit offers different types of online credit tailored to your specific needs. It&#8217;s important to choose the one that best suits your situation. <\/p>\n<h2><strong>Personal Credit<\/strong><\/h2>\n<p>Ideal for a variety of needs, such as vehicle purchases, renovations or personal projects.<\/p>\n<h2><strong>Consumer Credit<\/strong><\/h2>\n<p>Specific for purchases such as electronics, furniture or household appliances.<\/p>\n<h2><strong>Professional Credit<\/strong><\/h2>\n<p>Designed for entrepreneurs to finance professional projects or develop their business.<\/p>\n<h2><strong>Prepare the necessary documents<\/strong><\/h2>\n<p>An online credit application requires the submission of several documents to assess your creditworthiness.<\/p>\n<h3><strong>Personal Documents<\/strong><\/h3>\n<ul>\n<li><strong>Identification:<\/strong> Valid passport or identity card.<\/li>\n<li><strong>Permis de S\u00e9jour :<\/strong> For foreign residents.<\/li>\n<li><strong>Proof of residence:<\/strong> Recent utility bills or rental contract.<\/li>\n<\/ul>\n<h3><strong>Financial documents<\/strong><\/h3>\n<ul>\n<li><strong>Bank statements:<\/strong> Last three months.<\/li>\n<li><strong>Payslips:<\/strong> Last three months&#8217; salary.<\/li>\n<li><strong>Tax returns:<\/strong> Last two years.<\/li>\n<li><strong>Existing credit contracts :<\/strong> If you have other outstanding credits.<\/li>\n<\/ul>\n<h3><strong>Online Request Process<\/strong><\/h3>\n<p>Applying for credit online with MultiCredit is simple and intuitive. Here&#8217;s how it works: <\/p>\n<h2><strong>Fill in the Application Form<\/strong><\/h2>\n<p>Complete the <a href=\"https:\/\/multicredit.ch\/en\/credit-application\/\">online credit application<\/a> form, indicating the amount you wish to borrow, the repayment period and the purpose of the loan.<\/p>\n<h3><strong>Download Required Documents<\/strong><\/h3>\n<p>Submit the required financial and personal documents via the secure platform.<\/p>\n<h3><strong>Validation and Verification<\/strong><\/h3>\n<p>MultiCredit will verify your credit information and history. This may include an analysis of your creditworthiness and an assessment of your ability to repay. <\/p>\n<h3><strong>Receive a Credit Offer<\/strong><\/h3>\n<p>If your application is approved, you&#8217;ll receive a credit offer detailing the terms and conditions, including interest rate, fees and repayment plan.<\/p>\n<p>MultiCredit stands out for its commitment to transparency, speed and quality customer service. Here&#8217;s why you should choose MultiCredit: <\/p>\n<h3><strong>Advantages of MultiCredit<\/strong><\/h3>\n<ul>\n<li><strong>Rapid process:<\/strong> approval decision within a few days.<\/li>\n<li><strong>Competitive rates:<\/strong> Attractive interest rates tailored to your profile.<\/li>\n<li><strong>Personalized customer service:<\/strong> dedicated assistance to answer all your questions.<\/li>\n<li><strong>Flexibility:<\/strong> Reimbursement options tailored to your needs.<\/li>\n<\/ul>\n<h3><strong>How MultiCredit stands out<\/strong><\/h3>\n<ul>\n<li><strong>Secure platform:<\/strong> Protection of your personal and financial data.<\/li>\n<li><strong>Total transparency:<\/strong> clear information on loan conditions with no hidden charges.<\/li>\n<li><strong>Reliable reputation:<\/strong> positive reviews and high customer satisfaction.<\/li>\n<\/ul>\n<h3><strong>After the application: What to expect<\/strong><\/h3>\n<p>Once you have submitted your application, follow these steps:<\/p>\n<h3><strong>Demand analysis<\/strong><\/h3>\n<p>MultiCredit will evaluate your application based on your creditworthiness, income and financial history.<\/p>\n<h3><strong>Communication of the Decision<\/strong><\/h3>\n<p>You will be informed of the decision by email or via the online platform. If approved, credit details will be provided. <\/p>\n<h3><strong>Contract signature<\/strong><\/h3>\n<p>If you accept the offer, you will be asked to sign the credit agreement electronically. Make sure you read and understand all the conditions before signing. <\/p>\n<h3><strong>Managing Your Credit Repayment<\/strong><\/h3>\n<p>Rigorous repayment management is essential to maintaining sound financial health.<\/p>\n<h3><strong>Drawing up a budget<\/strong><\/h3>\n<p>Integrate your monthly credit payments into your budget to ensure they are made on time.<\/p>\n<h3><strong>Automate payments<\/strong><\/h3>\n<p>Set up direct debits to avoid oversights and late payments.<\/p>\n<h3><strong>Monitor Your Credit History<\/strong><\/h3>\n<p>Check your credit report regularly to ensure that payments are correctly recorded and to correct any errors.<\/p>\n<h3><strong>Frequently asked questions<\/strong><\/h3>\n<ul>\n<li><strong>What is the repayment period for an online loan with MultiCredit?<\/strong><\/li>\n<li>The repayment period can vary from a few months to several years, depending on the amount borrowed and your financial capabilities.<\/li>\n<li><strong>What interest rates does MultiCredit offer?<\/strong><\/li>\n<li>Interest rates are competitive and vary according to your financial profile. MultiCredit offers fixed and variable rates tailored to your needs. <\/li>\n<li><strong>Can I apply for credit online if I have a bad credit history?<\/strong><\/li>\n<li>MultiCredit evaluates each application individually. A less favorable credit history may influence credit terms, but this does not prevent you from applying. <\/li>\n<li><strong>What are the fees associated with an online loan with MultiCredit?<\/strong><\/li>\n<li>Fees may include administrative charges and borrower&#8217;s insurance. All fees are clearly detailed in the credit offer. <\/li>\n<li><strong>How long does it take to obtain funding after approval?<\/strong><\/li>\n<li>Funds are usually transferred to your bank account within 24 to 48 hours of signing the contract.<\/li>\n<li><strong>Can I repay my loan early without penalty?<\/strong><\/li>\n<li>Yes, MultiCredit offers prepayment options without penalty, allowing you to reduce your total interest.<\/li>\n<li><strong>How do I secure my data when applying online?<\/strong><\/li>\n<li>MultiCredit uses advanced security protocols to protect your personal and financial information throughout the application process.<\/li>\n<li><strong>What should I do if I have difficulty repaying my loan?<\/strong><\/li>\n<li>Contact MultiCredit immediately to discuss rescheduling options or modification of repayment terms.<\/li>\n<\/ul>\n<h3><strong>Additional Tips<\/strong><\/h3>\n<h5><strong>Maintaining good financial health<\/strong><\/h5>\n<ul>\n<li><strong>Savings:<\/strong> Build up an emergency fund to deal with unforeseen events without having to take out additional loans.<\/li>\n<li><strong>Expense Management:<\/strong> Track your expenses to identify and reduce unnecessary costs.<\/li>\n<\/ul>\n<h5><strong>Avoiding overindebtedness<\/strong><\/h5>\n<ul>\n<li><strong>Borrow<\/strong> only what you really need and can comfortably repay.<\/li>\n<li><strong>Credit diversification:<\/strong> If you have several loans, try to consolidate them to simplify management.<\/li>\n<\/ul>\n<p><strong> <\/strong><\/p>\n<h4 style=\"text-align: right;\"><\/h4>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; equal_height=&#8221;yes&#8221; el_class=&#8221;lightgrey-bck bigpadding flex-eq-height diagonal-top-bck one-fifth-link-bloc&#8221;][vc_column width=&#8221;1\/5&#8243; data_aos=&#8221;fade-down&#8221; data_aos_delay=&#8221;0&#8243;]<\/p>\n<div class=\"wpb_single_image wpb_content_element vc_align_center  wpb_animate_when_almost_visible wpb_top-to-bottom top-to-bottom wpb_start_animation animated\">\n<figure class=\"wpb_wrapper vc_figure\">\n<div class=\"vc_single_image-wrapper\"><img decoding=\"async\" src=\"https:\/\/multicredit.ch\/wp\/wp-content\/uploads\/c-hab.jpg\" alt=\"\" title=\"\"><\/div><figcaption>\n<h4>Housing credit<\/h4>\n<p>Finance home improvements<\/p>\n<\/figcaption><\/figure>\n<\/div>\n<div class=\"vc_btn3-container text-center\"><a class=\"btn-circle-2\" href=\"https:\/\/www.multicredit.ch\/fr\/credit\/credit-habitation\/\" title=\"Home loan\" ><span class=\"round\">&gt;<\/span><\/a><\/div>\n<p>[\/vc_column][vc_column width=&#8221;1\/5&#8243; data_aos=&#8221;fade-down&#8221; data_aos_delay=&#8221;50&#8243;]<\/p>\n<div class=\"wpb_single_image wpb_content_element vc_align_center  wpb_animate_when_almost_visible wpb_top-to-bottom top-to-bottom wpb_start_animation animated\">\n<figure class=\"wpb_wrapper vc_figure\">\n<div class=\"vc_single_image-wrapper\"><img decoding=\"async\" src=\"https:\/\/multicredit.ch\/wp\/wp-content\/uploads\/c-auto.jpg\" alt=\"\" title=\"\"><\/div><figcaption>\n<h4>Car credit<\/h4>\n<p>Buy your vehicle on credit<\/p>\n<\/figcaption><\/figure>\n<\/div>\n<div class=\"vc_btn3-container text-center\"><a class=\"btn-circle-2\" href=\"https:\/\/multicredit.ch\/fr\/credit-vehicule\/financement-automobile\/\" title=\"Home loan\" target=\"_blank\"><span class=\"round\">&gt;<\/span><\/a><\/div>\n<p>[\/vc_column][vc_column width=&#8221;1\/5&#8243; data_aos=&#8221;fade-down&#8221; data_aos_delay=&#8221;100&#8243;]<\/p>\n<div class=\"wpb_single_image wpb_content_element vc_align_center  wpb_animate_when_almost_visible wpb_top-to-bottom top-to-bottom wpb_start_animation animated\">\n<figure class=\"wpb_wrapper vc_figure\">\n<div class=\"vc_single_image-wrapper\"><img decoding=\"async\" src=\"https:\/\/multicredit.ch\/wp\/wp-content\/uploads\/c-form.jpg\" alt=\"\" title=\"\"><\/div><figcaption>\n<h4>Training credit<\/h4>\n<p>Finance your studies<\/p>\n<\/figcaption><\/figure>\n<\/div>\n<div class=\"vc_btn3-container text-center\"><a class=\"btn-circle-2\" href=\"https:\/\/www.multicredit.ch\/fr\/credit\/financement-d-etudes-et-de-formations\/\" title=\"Home loan\" ><span class=\"round\">&gt;<\/span><\/a><\/div>\n<p>[\/vc_column][vc_column width=&#8221;1\/5&#8243; data_aos=&#8221;fade-down&#8221; data_aos_delay=&#8221;150&#8243;]<\/p>\n<div class=\"wpb_single_image wpb_content_element vc_align_center  wpb_animate_when_almost_visible wpb_top-to-bottom top-to-bottom wpb_start_animation animated\">\n<figure class=\"wpb_wrapper vc_figure\">\n<div class=\"vc_single_image-wrapper\"><img decoding=\"async\" src=\"https:\/\/multicredit.ch\/wp\/wp-content\/uploads\/c-med.jpg\" alt=\"\" title=\"\"><\/div><figcaption>\n<h4>Medical credit<\/h4>\n<p>Finance your surgery and medical care<\/p>\n<\/figcaption><\/figure>\n<\/div>\n<div class=\"vc_btn3-container text-center\"><a class=\"btn-circle-2\" href=\"https:\/\/www.multicredit.ch\/fr\/credit\/pret-medical\/\" title=\"Home loan\" ><span class=\"round\">&gt;<\/span><\/a><\/div>\n<p>[\/vc_column][vc_column width=&#8221;1\/5&#8243; data_aos=&#8221;fade-down&#8221; data_aos_delay=&#8221;200&#8243;]<\/p>\n<div class=\"wpb_single_image wpb_content_element vc_align_center  wpb_animate_when_almost_visible wpb_top-to-bottom top-to-bottom wpb_start_animation animated\">\n<figure class=\"wpb_wrapper vc_figure\">\n<div class=\"vc_single_image-wrapper\"><img decoding=\"async\" src=\"https:\/\/multicredit.ch\/wp\/wp-content\/uploads\/c-all.jpg\" alt=\"\" title=\"\"><\/div><figcaption>\n<h4>Miscellaneous credits<\/h4>\n<p>For all other projects<\/p>\n<\/figcaption><\/figure>\n<\/div>\n<div class=\"vc_btn3-container text-center\"><a class=\"btn-circle-2\" href=\"https:\/\/www.multicredit.ch\/fr\/credit\/credits-divers\/\" title=\"Home loan\" ><span class=\"round\">&gt;<\/span><\/a><\/div>\n<p>[\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; el_class=&#8221;white-bck regularpadding steps&#8221;][vc_column data_aos=&#8221;fade-in&#8221;]<\/p>\n<div class=\"blocktitle title-center title-dark\" clearfix\"><H2>Your credit in 4 steps<\/H2><\/p>\n<h4>Quick and easy<\/h4>\n<\/div>\n<p>[vc_row_inner equal_height=&#8221;yes&#8221;][vc_column_inner width=&#8221;1\/4&#8243;][vc_pie value=&#8221;25&#8243; label_value=&#8221;1&#8243; color=&#8221;custom&#8221; title=&#8221;Request&#8221; custom_color=&#8221;#df003c&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\">You fill in the credit application form according to your needs.<\/p>\n<h5 style=\"text-align: center;\">2 min<\/h5>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_pie label_value=&#8221;2&#8243; color=&#8221;custom&#8221; title=&#8221;Proposal&#8221; custom_color=&#8221;#df003c&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\">&#8220;We analyze your request and offer a solution tailored to your profile.&#8221;<\/p>\n<h5 style=\"text-align: center;\">12 hours<\/h5>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_pie value=&#8221;75&#8243; label_value=&#8221;3&#8243; color=&#8221;custom&#8221; title=&#8221;Signature&#8221; custom_color=&#8221;#df003c&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\">Once the contract has been drawn up, all you have to do is sign it and send it to us.<\/p>\n<h5 style=\"text-align: center;\">This step depends on your responsiveness.<\/h5>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_pie value=&#8221;100&#8243; label_value=&#8221;4&#8243; color=&#8221;custom&#8221; title=&#8221;Transfer&#8221; custom_color=&#8221;#df003c&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\">The amount is transferred to your account.<\/p>\n<h5 style=\"text-align: center;\">14 days (legal deadline)<\/h5>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; content_placement=&#8221;middle&#8221; el_class=&#8221;lightgrey-bck bigpadding checklist&#8221;][vc_column data_aos=&#8221;fade-in&#8221;]<\/p>\n<div class=\"blocktitle title-left title-dark\" clearfix\"><H3>Let us find you the best possible credit offer<\/H3><\/p>\n<h4>We are always looking for the best possible offer for our customers throughout Switzerland.<\/h4>\n<\/div>\n<p>[vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_column_text]<\/p>\n<h3>Apply for credit online<\/h3>\n<p>Applying for credit online in Switzerland with MultiCredit is easy and straightforward, thanks to an intuitive platform and dedicated customer service. By following this guide and preparing properly, you can successfully navigate every step of the credit application process, from assessing your financial needs to responsibly managing repayment. MultiCredit is committed to supporting you throughout this process, helping you to achieve your financial goals with complete peace of mind.[\/vc_column_text][vc_btn title=&#8221;Discover&#8221; link=&#8221;url:https%3A%2F%2Fwww.multicredit.ch%2Ffr%2Fa-propos%2F|title:About%20us|&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_column_text]<\/p>\n<ul>\n<li><strong>Security and confidentiality<\/strong><\/li>\n<li><strong>Proximity and responsibility<\/strong><\/li>\n<li><strong>Guaranteed pick-up in less than 24 hours<\/strong><\/li>\n<li><strong>Lower rates than the competition<\/strong><\/li>\n<\/ul>\n<h4 style=\"text-align: right;\">Online credit<\/h4>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]<\/section>\n","protected":false},"excerpt":{"rendered":"<p>Bring your project to life, simply.<\/p>\n","protected":false},"author":25,"featured_media":11771,"parent":30579,"menu_order":-9,"comment_status":"closed","ping_status":"closed","template":"template-credit.php","meta":{"inline_featured_image":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[258],"class_list":["post-30591","page","type-page","status-publish","has-post-thumbnail","hentry","category-credit-en"],"_links":{"self":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/pages\/30591","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/users\/25"}],"replies":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/comments?post=30591"}],"version-history":[{"count":4,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/pages\/30591\/revisions"}],"predecessor-version":[{"id":30596,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/pages\/30591\/revisions\/30596"}],"up":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/pages\/30579"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/media\/11771"}],"wp:attachment":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/media?parent=30591"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/categories?post=30591"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}