Conditions‚Äč

We attach great importance to transparency and fairness with regard to our loan conditions.

Our conditions for granting a loan

The conditions you should know

We attach great importance to transparency and fairness with regard to our loan conditions. Therefore, we would like to give you an overview of our most important conditions below, so that you know exactly what to expect when you take out a loan with us.

Our requirements for a loan

In order to apply for a loan with us, you must be of legal age and have a residence in Switzerland. In addition, we require you to have an uninterrupted employment with a regular income. We assume that you have a positive credit rating.

Age

You must be between 18 and 64 years old. The loan must be fully paid off by the age of 70.

Employment relationship

You must be either permanently or temporarily employed and have a minimum income of CHF 2,700.

ID card

You need either a Swiss passport or ID or a residence permit (Permit B) or a permanent residence permit (Permit C).

Debt collection

There must be no open debt collection proceedings, garnishments or certificates of loss entered.

The amount of loan

The maximum amount of the loan depends on your monthly income. We offer loans from CHF 3,000 to CHF 250,000. The amount of the loan is adjusted individually to your needs.

The term of the loan

The term of the loan is between 6 and 120 months. Here, too, we adjust the term individually to your needs.

The interest rates

Our interest rates are fair and transparent. The interest rate depends on your creditworthiness and the term of the loan and ranges from 4.4% to 9.9%. The higher your credit rating, the lower the interest rate.

The repayment

The loan is repaid in monthly installments. These consist of a repayment portion and an interest portion. The amount of the monthly installment depends on the amount of the loan, the term and the interest rate.

Agency fees

KRED does not charge any agency fees.

Management fees

KRED does not charge administrative fees for loans.

Our Additional Services

We offer our customers flexible and individual credit solutions. These include, for example, the option of early repayment or the possibility of extending the term of the loan.
Contact us today and let’s work together to find a custom solution for your financing needs.

Request now without obligation and receive an individual offer.