Personal loan in Switzerland – offered by SWISSVALOR Insurance
For our Hungarian clients living in Switzerland, we offer fast, transparent and free personal loan processing in Switzerland. Our goal is to make borrowing simple and understandable, in your native language, without unnecessary administration and without hidden costs.
Through our partner, we are connected with leading Swiss retail banks, including institutions such as Migros Bank and Bank-now, allowing us to provide our clients with a wide range of financing options under competitive conditions on the Swiss credit market.
In addition to personal loans, we also assist with mortgage (Hypothek) processing in Switzerland, whether it is for property purchase, refinancing, or optimizing an existing mortgage.
What do we offer? – Personal loan in Switzerland for Hungarian clients
- ✅ Full-service, Hungarian-language loan processing in Switzerland
- ✅ Free service – no brokerage or administrative fees
- ✅ Fast credit assessment – typically within 24–48 hours
- ✅ Personal loan solutions tailored to individual needs
- ✅ Transparent conditions with no hidden costs
- ✅ Personal loan and mortgage (Hypothek) processing in one place
Loan application process – personal loan in Switzerland
- Identification and data verification – short, secure process.
During a phone call, we assess your needs and help determine the realistic loan amount that fits your goals and financial possibilities. - Creditworthiness check – carried out within a maximum of 24–48 hours after submitting the required
documents.
This is preceded by a preliminary online registration. - Offer and contract conclusion – with personalized conditions, optionally including loan insurance.
- Disbursement – within a few working days after the bank’s decision.
General conditions – applying for a personal loan in Switzerland
Residence and stay
A fundamental and most important requirement for obtaining a loan is a registered address in Switzerland.
This can be:
- owned property,
- rented apartment,
- staff accommodation, or
- shared apartment (Wohngemeinschaft).
The residence permit is also a key factor when applying for a personal loan in Switzerland. The following permits must meet these conditions:
- B permit: minimum 2 years of uninterrupted stay in Switzerland
- G permit: minimum 3 years of uninterrupted stay in Switzerland
- L permit: personal loan is generally not available in Switzerland
Employment conditions – loan in Switzerland
Permanent employment contract
In the case of a permanent employment contract, the loan application process is usually simpler. Banks perceive lower risk and can process the credit assessment more smoothly.
It is very important that:
- the probation period must be completed,
- and the application requires the last 3 salary slips (Lohnabrechnung).
Fixed-term employment contract
In the case of a fixed-term contract, the process may take longer and the bank may request additional documents, such as a confirmation of continued employment.
Here as well:
- the probation period must already be completed,
- and the last 3 salary slips (Lohnabrechnung) must be submitted.
Temporary employment (agency work)
- 6 salary slips (Lohnabrechnung) are required,
- as well as proof of payments via bank statements.
For self-employed individuals
Personal loans in Switzerland are also available for self-employed individuals.
Required documents:
- Latest final tax assessment (letzte definitive Steuerveranlagung)
- Proof of since when the person has been self-employed
Health insurance subsidy (Prämienverbilligung)
If the applicant receives Prämienverbilligung (health insurance premium subsidy), the official decision must also be submitted for the personal loan application.
Loan-related insurance – personal loan protection
Our clients have the option to take out insurance related to their loan.
For higher loan amounts, we strongly recommend this, as it provides protection in the following cases:
- Unemployment (loss of job not caused by the applicant)
- Accident or long-term incapacity to work
- Long-term serious illness causing inability to work
Why choose SWISSVALOR Insurance?
- Consultation in your native language
- Simple, transparent loan processing
- Fast and professional service
- Reliable banking partners in Switzerland
- Personal loan and mortgage solutions in one place
If you wish, we are happy to help you find the most suitable personal loan or mortgage in Switzerland.
