This Is How It Works​

Your way to a loan

You are employed, looking for financial support and want to apply for a loan? Then KRED is the right place for you! We accompany you on your way to the loan and help you every step of the way. From the application to the disbursement of the amount, we are at your side. Learn here how easy and fast you can get your desired loan.

Loan application

The first step is to apply for a loan. With us, you can do this conveniently online. All you have to do is fill out our online loan application form and tell us the loan amount you want. We will carefully review your information and ask you for more details if needed to ensure that your application is complete.


After you have submitted your application, our experts will analyze your initial situation and find the right lending bank for you. We will forward your application to our partner bank, which will thoroughly review your financing request and provide you with an individual offer. If you agree, you can sign the contract.

Waiting period

Once the contract is signed, the legal waiting period of 14 days begins, which applies to all personal loans in Switzerland. During this time you can review the contract at your leisure and make sure that it meets your requirements. If you have any doubts or questions during this time, you can always contact us and we will be happy to help you.


After the waiting period the amount will be transferred to your bank account immediately. We will take care of all the formalities and make sure that the transfer goes smoothly. Once the money is in your account, you can use it for your needs and achieve your financial goals.

Fill out our online loan application now and benefit from the uncomplicated processing at KRED!

Avoid a negative credit rating – trust the expertise of KRED

We know exactly what requirements each bank places on borrowers. That’s why we only submit requests for which the probability of approval is high. In this way, we avoid our clients receiving a rejection from the banks and this rejection having a negative impact on their credit rating. Our certified employees optimize each dossier in order to provide you with the best offer from our partner banks. If you inquire with different banks yourself, this may result in rejections that are registered with the Central Office for Credit Information (ZEK) and affect your creditworthiness. Therefore, it is important to trust in our expertise and do everything right from the beginning.

Check and secure loan agreement – The Swiss Consumer Credit Act gives you the opportunity to

As a borrower, you have the right to revoke the loan agreement within 14 days without giving any reason. This right is established by the Swiss Consumer Credit Act and gives you the time to carefully review the credit agreement and ensure that it meets your requirements. During the revocation period, Swiss lenders cannot disburse the loan.