Borrow money in Switzerland: How to lend the cash right!
Stop constant money worries, just enjoy more financial freedom, or spontaneously fulfill a dream.
Borrowing money , there are many reasons and situations in life. The only question is: where do I get ” instant money “, and how much does it cost me?
Anyone who needs “instant cash” or wants to finance a special request usually goes to his bank. Here, there are usually loans for almost all contingencies – from vacation loans to car loans . Mostly you want to be able to access your loan quickly or best to take the cash immediately.
In Switzerland, this is usually not possible, after all, the Swiss consumer credit law (KKG) provides for a waiting period.of at least two weeks for almost all loans. On the one hand, for you, as a borrower, to rethink the loan you have applied for. Finally, the banks and credit intermediaries should also have enough options to scrutinize creditworthiness and pay out. Both have their meaning.
Borrowing money for any purpose – there are many offers
To lend money urgently for different purposes, this requires first the appropriate low-priced credit . And there are definitely:
If, for example, you want to be able to make a small amount of money quickly and easily, you are well advised to pay with a mini loan or small loan. Depending on the time and amount, this can also be obtained much earlier in Switzerland within the waiting period. This can be used to bridge financial bottlenecks for a short time or, for example, quickly compensate for the shortfall in the salary account.
On the other hand, if you would like to borrow capital for the renovation or refurbishment of your home, buy new furniture or finance your new car at low interest rates, a special modernization loan or car loan will help you quickly. As an alternative to traditional mortgage lending or the most expensive leasing these loans are currently available as real bargains.
In many cases, however, older loan agreements are in the file cabinet, which demand high installments and interest payments month after month. In this case, a flexible modern debt restructuring loan works wonders. When it comes to borrowing cash, he not only ensures that the costs are falling quickly, thanks to lower interest rates and hardly any fees – this also avoids high overdraft interest on current account and credit card right from the start.
What remains is the classic cash advance and consumer credit . He is still the most in demand in Switzerland – universally applicable, and to have a clever deal with appropriate credit in the pocket and extremely low interest rates. However, the modern consumer does not only want favorable conditions today. An easy calculation and application of the loan and a flexible repayment are just as important. Above all, the customer wants one thing: a quick decision as to whether and at what cost he can borrow his francs and transfer them to his account. This is best done via online credit comparison .
Borrow money online – you decide how much and how expensive
No matter what kind of credit you need: With the online loan calculator from you can reach your goal very quickly – in three simple steps:
- Calculate credit and make inquiry
- Receive credit offers as desired
- Finalize credit agreement immediately
For the application we need first a few data about you as a customer and your loan request. Your personal data and income, information on employer and household, purpose of use, desired loan amount and term are sufficient. After you have submitted your loan request, we will promptly send you a binding loan offer.
Here you can immediately see the possible conditions, equal to several different providers. You can decide for yourself which bank or intermediary you want to borrow from. After signing the loan agreement, your financing is secured. Within 14 days receive the requested loan then on your given account.
Tip : By comparison and credit request, you have both target and effective interest, monthly payments and absolute interest costs and the total amount of the respective financing in view. You calculate yourself, which monthly rate is easy to raise. With shorter financing, interest and overall costs can be reduced, longer loan periods ensure small convenient monthly payments. If you want to lend even cheaper money, you can also apply for a payout together with a second borrower as additional security. Positive for your Schufa.
Pay off quickly and flexibly – borrow money even cheaper
When it comes to financing, it’s not just money, time and co that count. Also during the repayment you should enjoy many liberties. Here, modern online loans offer numerous possibilities: In addition to the fixed monthly installments, you can replace your loan free of charge or repay it separately or even repay the remaining amount prematurely. And without additional fees.
A clear advantage : If, surprisingly, you have capital at your disposal or are no longer in need of credit due to an improved financial situation, your borrowed capital can be partially or completely redeemed outside the agreed installment. This brings short term and overall lowers the cost of your online loan significantly. Borrow money immediately – with a flexible loan, this is not a problem.
Conversely, unforeseen payment difficulties during the repayment phase may not be a problem for you. Modern loans from many banks also offer flexible solutions if you are in dire need of money elsewhere. If it comes to difficulties in the monthly repayments, you can bridge them with temporary installment breaks and continue to use the loan at low interest rates – also without additional costs. Let us advise you individually by our credit experts.
Lend money with us – many benefits for you
- Flexible terms and loan amounts
- Low interest rates without additional agency fees
- Simple uncomplicated online request
- Fast credit decision and immediate payout
- All reputable providers in Switzerland at a glance
- Transparency and security in financing