Steps of a credit application in Switzerland
From an indicative calculation to reviewing possible terms, follow a clear and progressive application process.
Start my application →A five-step form
WHI Credit starts with the essentials and gradually asks for the information needed to understand your situation.
- Select personal credit or consolidation
- Enter amount and preferred term
- Provide identity, residence and employment
- Declare income, expenses and current loans
Documents commonly requested
- Check your phone number and email
- Use accurate or realistic amounts
- Upload readable documents
- Keep the submission confirmation
How the assessment works
1. Describe your situation
Provide accurate information about residence, work, income and existing commitments.
2. Prepare evidence
Clear and recent documents help WHI Credit understand your application.
3. Affordability review
Income, household costs and current debts are considered together.
4. Lender decision
The lender alone decides whether credit can be granted and on which terms.
Non-binding simulation. Effective rates from 4.7% to 9.9% and terms from 6 to 120 months depend on the application, creditworthiness and lender conditions. Credit must not be granted if it causes over-indebtedness.
Frequently asked questions
Is the simulation an offer?
No. It is indicative and non-binding.
When will I receive a decision?
Timing depends on completeness and the lender; no approval deadline is promised.
Can I apply on mobile?
Yes. The form uses short progressive steps and mobile-friendly validation.
Discuss your situation with WHI Credit
Apply online or contact our Mies office directly.
Apply for credit+41 22 870 03 01info@whi-credit.com