Frequently asked credit questions FAQ

The Swiss market for personal loans is extensive and often confusing. At Best Finance, we analyse your individual needs and offer you tailor-made solutions with optimal conditions. Our service is always free of charge and non-binding.

To obtain a loan from us, you should fulfil the following criteria:

• Age: 20 to 68 years.
• Residence: Switzerland or the Principality of Liechtenstein.
• Citizenship: Swiss citizen or holder of a B residence permit or C permanent residence permit.
• Employment: Permanent employment contract with regular income.
• Minimum net income: 3,000 CHF.
• Financial situation: No outstanding debt enforcement proceedings, loss certificates or negative entries at the Central Office for Credit Information (ZEK).

A viability check is carried out in accordance with the Small Loans Act.

Once your loan application has been approved, we will send you the loan offer by post. As soon as you have returned the signed offer to us, the amount will either be transferred to your bank account after the statutory cancellation period of 14 days has expired.

The maximum loan amount depends on your individual financial situation and can be up to CHF 300,000. For higher amounts, please contact us directly.

The interest rate is determined after a full credit check and depends on your personal circumstances. Our interest rates range from 4.9 % to 10.95 %, depending on factors such as loan amount, term and credit rating.

Please submit the following documents:

• Fully completed credit application.
• Copy of a valid identity document (passport or identity card).
• For foreign citizens: Copy of the foreigner's identity card B or C.
• The last three payslips.
• For married couples: same documents of the spouse.

You have several options:

• Online: Fill out our online loan application on the website.

• By post or fax: Download the PDF form, fill it out and send it to us:

  Best-Finance GmbH
  Bahnhofstrasse 67
  5001 Aarau

• By telephone: Give us a call on 062 823 08 03 and we'll work with you to draw up your loan application.

The early repayment of a loan is generally free of charge in accordance with the Consumer Credit Act (KKG). However, fees may be incurred for the final settlement by the current credit institution, which can range between CHF 100 and CHF 200 depending on the provider.

Yes, you can repay your loan early at any time. Any interest that has not accrued will be refunded to you.

In a loan repayment, the remaining debt of an existing loan is taken over by a new, often more favourable loan. We support you by arranging the new loan for you and handling the redemption of the old loan.

By cancelling a loan, you can benefit from lower interest rates and thus save on interest costs. You also have the option of combining several existing loans into one, which increases the clarity of your finances.

If you do not fulfil the above requirements, it is unfortunately not possible to obtain a loan. We recommend that you stabilise your financial situation and try again at a later date.

Once we have received your complete documents, you will receive a response within 24 to 48 hours with a preliminary decision on your enquiry.

It is generally not possible to change the loan amount after the contract has been concluded. However, you can submit a new loan application if necessary.

We attach great importance to the protection of your personal data. All information is treated confidentially and stored and processed in accordance with the applicable data protection regulations.

Yes, we are happy to help you optimise existing loans. You can often benefit from better conditions and reduce your monthly instalments by rescheduling or redeeming your loan.

This depends on various factors. If your fixed-term contract already has a longer term or has been regularly extended, it may still be possible to obtain a loan. Let our experts advise you!

No, with Best Finance there are No hidden fees. Our advice and loan brokerage services are 100 % free of charge. You only pay the contractually agreed loan instalments according to your individual offer.

As soon as your application has been submitted, you will receive confirmation by e-mail or telephone. You can contact our team at any time to find out the current processing status.