The personal loan with security and predictability

Do you need a personal loan quickly and easily? Then our classic installment loan, CREDIT-now Classic, is perfect for you. Fixed monthly installments allow you to optimally plan your financial expenditure during the term of the contract so you can tailor the loan to your personal monthly budget.

Your benefits with CREDIT-now Classic

  • Provides solutions

    Suitable for all financial needs: buying a car, building a house, education, loan repayment, or simply for your personal needs, from CHF 1,000 to CHF 250,000 and with a term of up to 84 months.

  • Simple

    The path to a loan is straightforward. A response will be sent within 24 hours of receipt of your application. The money is then paid out after the statutory waiting period of 14 days.

  • Comprehensive security package

    Payment deferral, 

    term life insurance and repayment options are included. If desired, also with additional insurance against incapacity to work and involuntary unemployment for a fee.

  • Play it safe financially

    A thorough credit checkis carried out before any loan is granted. This ensures that you can afford the loan you choose.

  • Personal advice for you

    We are happy to advise you in person at one of our 21 branches across Switzerland. Competent and responsible – online and on the phone.

The path to a loan

Magenta icon of a calculator 1. Calculate Simply calculate the size of the loan you want without any obligations.
Magenta icon of a calculator
1. Calculate
Simply calculate the size of the loan you want without any obligations.

Simply select the loan amount and term you want in the installment calculator to see how much your monthly installments and maximum interest rate will be. The effective annual interest rate depends on your creditworthiness and can only be calculated based on the detailed information you provide in the online application.

If you want to know if the loan fits your budget, you can calculate your maximum loan amount easily without any obligations using our budget calculator.

Icon of a magenta clipboard 2. Apply Fill out your credit application online, upload a copy of your official ID, and submit.
Icon of a magenta clipboard
2. Apply
Fill out your credit application online, upload a copy of your official ID, and submit.

You can fill out and submit the application for your required loan amount online right now. To process the application, we also need the following documents, which you can simply attach to the online application:

  • Copy of your official ID
    This includes passport, ID card, driver’s license, or foreigner's ID card (including copy of the reverse side).
  • Copy of your last pay slip (optional)
  • If you have registered a second applicant , please also attach official ID for this applicant and optionally a copy of their last pay slip.
Magenta Icon clipboard with hook 3. Check Your credit application and your creditworthiness will be checked immediately. A response will be sent within 24 hours of receiving the required information and two days later you will receive the contract.
Magenta Icon clipboard with hook
3. Check
Your credit application and your creditworthiness will be checked immediately. A response will be sent within 24 hours of receiving the required information and two days later you will receive the contract.

We will review your application as soon as we have received all the necessary documents. By performing a thorough check during the application process, we make sure that the chosen loan is the right solution for you. It is therefore entirely in your interest for the credit approval process to be handled with care.

You will generally receive a response to your application within 24 hours. If the decision is positive, you will receive an offer by mail or email two days later.

Icon with a writing pen 4. Sign Return the signed contract to us.
Icon with a writing pen
4. Sign
Return the signed contract to us.

If you are happy with the offer, send the signed documents back to us by mail. Please do not hesitate to contact us if you have any questions, either in person at one of our branches or by telephone at 0800 40 40 42.

Icon with three stacks of coins 5. Payment After the statutory waiting period of 14 days, you will receive the money.
Icon with three stacks of coins
5. Payment
After the statutory waiting period of 14 days, you will receive the money.

The statutory waiting period of 14 days starts as soon as you have returned the signed contract to us. After this waiting period, the money will be transferred to your bank account.

With CREDIT-now Classic, the comprehensive security package even gives you a further ten days after the loan has been paid out to you to change your mind and repay the loan free of charge.

Sample calculation: A loan of CHF 10,000 with an effective annual interest rate between 7.9% and 9.9% over a term of 36 months will incur overall interest costs between CHF 1,286.80 and CHF 1,613.80. All prices in CHF incl. VAT.
Legal notice: Credit approval is prohibited if it leads to excessive debt (Art. 3 of the Swiss Federal Act against Unfair Competition, UWG).

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