Kredit nach dem Vergleich
beantragen
Privatkredit Schweiz: Damit Sie
finanziell flexibel bleiben
Privatkredit Schweiz:
Damit Sie finanziell flexibel
bleiben
Monatliche Rate
from 5.8%
up to 9.95%
Apply for a loan after the comparison with the online loan application at credXperts
What really happens after the loan comparison?
Many prospective borrowers think that the most important step is the comparison itself. In reality, the crucial part begins afterwards: the actual loan application. This is exactly where it is decided how quickly you get your money and how smoothly the process runs.
If you have already started the loan comparison, you know that several offers are possible. But what happens next? That's exactly what we explain here, step by step.
If you have not yet started the comparison:
https://www.credxperts.ch/kreditvergleich/
Four more steps to your personal loan
- apply now
1.
Calculate your
personal loan and
leave your
details
2.
We get in touch with
you in contact
and clarify the
most important questions.
3.
We find
the bank with
the best
Conditions.
4.
You will receive
your suitable
personal loan for your
project.
From the loan comparison to the concrete offer with the loan application
After the comparison, your enquiry will be examined more closely. Banks take a detailed look at your documents, your budget and your ZEK situation. This step is often referred to as a preliminary check and is used to prepare realistic loan offers.
If you are not yet sure which requirements banks check, it is worth taking a look at this page:
https://www.credxperts.ch/kreditvergleich/voraussetzungen/
And if you would like to prepare your documents:
https://www.credxperts.ch/kreditvergleich/unterlagen/
This preparation speeds up the process considerably.
Choosing the right loan offer
As soon as offers are available, you can decide which one best suits your situation. It's not just about the interest rate. The term, monthly instalment and flexibility also play an important role.
Many borrowers underestimate this step. A minimally lower interest rate is not always the best overall package. It is important that the monthly instalment fits well into your budget in the long term. If you want to check your affordability again, the budget calculator can help:
https://www.credxperts.ch/budgetrechner/
Signing the contract - the last step before payment
Once you have decided on a specific loan offer and the bank has completed the final check, the contract process follows. Many prospective borrowers assume that this step is now exclusively digital. In practice, however, it is often the case in Switzerland that the loan agreement is also physically delivered by post.
There is an important reason for this: loan agreements are legally binding documents that you should keep permanently. That's why you receive the contract not only digitally, but also in paper form. This means you always have a physical copy of your financing - something that many borrowers value highly.
Typically, you will receive them by post:
-
the complete credit agreement
-
All contractual conditions and information on financing
-
a prepared return envelope for free shipping
This return envelope is particularly practical because you can simply send the signed contract back without having to worry about postage or addresses. This makes the process as simple and quick as possible for you.
Why mailing is part of the credit process
At first glance, mailing may seem old-fashioned, but it actually fulfils several important functions. On the one hand, it gives you a Physical copy of the contract for your recordson the other hand, it ensures that the contract is signed in a legally unambiguous manner.
Many borrowers even see this step as an additional security factor. They can read, check and sign the contract at their leisure, without time pressure or digital hurdles.
At the same time, the process remains efficient: as soon as the signed contract is received by the bank, the disbursement is prepared.
When is the payment made after the contract is signed?
One point that surprises many borrowers is the statutory payout period in Switzerland. This is clearly regulated in the Consumer Credit Act (KKG) and applies to all banks.
A distinction is made between two loan amounts:
Loans up to CHF 80,000
For consumer loans up to this amount, there is a statutory Cancellation period of 14 days. This means that a two-week cooling-off period begins after the loan agreement has been signed. The bank may only disburse the loan after this period has expired.
This rule serves to protect borrowers. During this time, they have the opportunity to review the contract at their leisure and withdraw from the loan if necessary.
Official basis:
https://www.fedlex.admin.ch/eli/cc/2002/182/de
Loans from CHF 80,000
This statutory waiting period does not apply to loans over CHF 80,000. In such cases, the disbursement immediately after receipt of the signed contract take place.
Many borrowers do not realise this and assume that every loan is paid out equally quickly. In fact, the payout period depends heavily on the loan amount.
Why this deadline makes sense for borrowers
Even though many customers want to receive their money as quickly as possible, the 14-day period is an important protective mechanism. It prevents hasty decisions and gives you enough time to check the contract again.
This additional security is particularly valuable for larger loans. As soon as the deadline has expired - or immediately after the contract is returned in the case of loans over CHF 80,000 - the disbursement is initiated.
If you would like to start the credit process:
https://www.credxperts.ch/kreditvergleich/
FAQ - Loan application after the loan comparison
How does the loan application process work step by step after the loan comparison?
Once you have started the loan comparison, the actual application begins. Many people imagine this step to be more complicated than it actually is. In practice, the process follows a clear structure: first your situation is pre-checked, then suitable banks are selected and concrete offers are prepared. As soon as you select an offer, the final credit check begins.
You will then receive the loan agreement by post. This step is customary in Switzerland and serves to ensure that you receive a physical copy of your contract. Once you have signed and returned the contract and all legal deadlines have been met, the loan will be paid out.
Start of the comparison:
https://www.credxperts.ch/kreditvergleich/
Why do I also receive the loan agreement by post?
Many people today expect a purely digital process. In Switzerland, however, it is very common for loan agreements to also be delivered physically. The background is simple: loan agreements are long-term and legally binding documents. Banks want to ensure that you have a signed original version.
You will receive the complete contract, all contractual conditions and usually also a prepared return envelope by post. This makes it easy for you to sign the contract and return it free of charge. Many borrowers see this step as an additional security factor because they can read the contract at their leisure.
Do I have to return the contract by post?
In many cases, yes. The original signed contract must be received by the bank before the payment can be made. This is precisely why a return envelope is enclosed so that you can send the contract back quickly and easily. This step is an integral part of the credit process in Switzerland.
Why is there a 14-day payment period for loans?
This question often causes confusion. The answer lies in the Consumer Credit Act (KKG). This law protects borrowers from hasty decisions. For loans of up to CHF 80,000, there is a statutory cancellation period of 14 days after signing the contract. Only then may the bank disburse the loan.
This does not mean that the process is slow - but that you are deliberately given time to think about it. Official basis:
https://www.fedlex.admin.ch/eli/cc/2002/182/de
Does the 14-day period apply to every loan?
No. There is an important difference here:
For loans up to CHF 80,000, the statutory waiting period of 14 days applies.
For loans over CHF 80,000, payment can be made immediately as soon as the signed contract has been received by the bank.
Many borrowers are unaware of this difference and are surprised at the different payout times.
When will I actually receive my money?
Payment is made as soon as all steps have been completed. For loans under CHF 80,000, this means after the statutory period has expired. For higher loans, payment can be made immediately after the contract has been returned. How quickly this happens depends greatly on how complete the documents are and how quickly the contract is returned.
Can I still cancel the loan after signing the contract?
Yes, that's exactly what the 14-day period is for. During this period, you can withdraw from the loan. This protection mechanism is provided for by law and gives you additional security.
Do I have to go to the bank in person?
Not in most cases. The entire process can usually be completed online and by post. This is exactly what makes comparing loans so convenient today.
More about the online comparison:
https://www.credxperts.ch/kreditvergleich/online/
Can I still make changes after I have accepted?
Minor adjustments are sometimes possible, but major changes usually require a new application. It is therefore important to provide realistic information when making a comparison.
More about requirements:
https://www.credxperts.ch/kreditvergleich/voraussetzungen/
Where is the best place to start the loan application?
The best way to get started is always to compare loans. Your details are checked there and suitable banks are selected.
Start here:
https://www.credxperts.ch/kreditvergleich/
Further topics for comparing loans in Switzerland
Use the following pages to increase your chances of approval, prepare documents correctly and find suitable banks. For most users, the Credit comparison the fastest way to better conditions.
