As a loan provider, we have a great responsibility toward you and society. We rise to this responsibility by valuing personal consultations, so that we can address your needs and options and resolve any uncertainties. We take our time to answer your questions and explain possible risks in advance. The thorough credit or solvency check we carry out when you apply (within the scope of the Swiss Consumer Credit Act, CCA) ensures that you can afford the loan. It is therefore entirely in your interest for the credit approval process to be handled with care.
(Information leaflet from the KFS [Swiss Consumer Finance Association] on responsible lending and possible risks in the event of misfortune for the borrower)