Debt consolidation in Switzerland
Review existing loans together to assess whether one clearer monthly payment could simplify your budget or reduce financing costs.
Start my loan requestNon-binding simulation. Effective annual interest rate from 4.7% to 9.9% and indicative terms from 6 to 120 months, depending on the application, creditworthiness and the lender’s conditions.
A financing solution tailored to the project
Consolidation is not automatically cheaper. A lower monthly payment can result from a longer term and may increase the total cost. A responsible comparison therefore considers the outstanding balances, current rates, remaining terms, any settlement amounts and the proposed total repayment.
Common uses
- Combine several personal loans
- Replace an expensive existing loan
- Simplify monthly budgeting
- Request an additional amount when justified
Documents usually requested
- Identity document and permit
- Recent proof of income
- Statements for all existing loans
- Recent account statement and regular-expense information
How the request works
Simulate
Choose an amount and term to view an indicative monthly payment.
Complete
Provide your contact, residence, employment, income and expense details.
Document
Add the usual supporting documents securely when requested.
Assessment
The complete application is assessed without any promise of approval or timing.
Frequently asked questions
Does consolidation always save money?
No. Compare the total remaining cost with the total cost of the proposed financing.
Can an additional amount be requested?
It may be considered if justified and compatible with repayment capacity.
Should every existing loan be declared?
Yes. Complete information is essential for an accurate and responsible assessment.
Does the initial review commit me?
No. The simulation and initial assessment are non-binding.
Discuss your project with WHI Credit
Questions before applying? Call 022 870 03 01 or email info@whi-credit.com.
Start my loan request