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Solidarity Credit GmbH

Our loans

Five types of loan, each with its own uses, amounts and documents. The ranges below are indicative: your offer will depend on your circumstances.

At a glance

Solution Use Indicative amount Indicative term
Personal loan A sum for a personal project, with no need to show how you use it. CHF 1,000 to CHF 50,000 12 to 84 months
Car finance Buying a new or used vehicle, from a dealer or a private seller. CHF 3,000 to CHF 75,000 12 to 96 months
Home improvements Work on your home, whether renovating, refitting or cutting your energy use. CHF 2,000 to CHF 75,000 12 to 120 months
Debt consolidation Several existing loans combined into one, with a single monthly repayment. CHF 5,000 to CHF 75,000 24 to 120 months
Business financing Funds to equip, grow or run a small business. CHF 5,000 to CHF 75,000 12 to 84 months

Personal loan

A sum for a personal project, with no need to show how you use it.

CHF 1,000 to CHF 50,000 12 to 84 months

Who it is for
Adults with a regular income.
What it can pay for
A family occasion, equipment, studies, an unexpected expense.
Documents you will need
ID, your last three proofs of income, proof of address.

Apply for this loan

Car finance

Buying a new or used vehicle, from a dealer or a private seller.

CHF 3,000 to CHF 75,000 12 to 96 months

Who it is for
Individuals and self-employed people buying a car, motorbike or van.
What it can pay for
The price of the vehicle and, where applicable, registration costs.
Documents you will need
The usual documents plus the order form or pro forma invoice for the vehicle.

Apply for this loan

Home improvements

Work on your home, whether renovating, refitting or cutting your energy use.

CHF 2,000 to CHF 75,000 12 to 120 months

Who it is for
Owner-occupiers and, depending on the work, tenants with the landlord's consent.
What it can pay for
Insulation, heating, roofing, bathroom, kitchen, accessibility.
Documents you will need
The usual documents plus quotes from the firms doing the work.

Apply for this loan

Debt consolidation

Several existing loans combined into one, with a single monthly repayment.

CHF 5,000 to CHF 75,000 24 to 120 months

Who it is for
People repaying several loans who want a clearer picture.
What it can pay for
Paying off existing consumer loans. A lower monthly repayment often means a longer term and a higher total cost: we show you both figures.
Documents you will need
The usual documents plus repayment schedules or statements for each existing loan.

Apply for this loan

Business financing

Funds to equip, grow or run a small business.

CHF 5,000 to CHF 75,000 12 to 84 months

Who it is for
Sole traders, professionals and micro-businesses.
What it can pay for
Equipment, business vehicle, stock, short-term cash flow needs.
Documents you will need
Director's ID, company registration extract, last two sets of accounts or tax returns.

Apply for this loan

Work out a monthly repayment

The calculator uses the current indicative rate. Your actual rate will be shown in the written offer.

Indicative simulator

CHF 20,000
48 months
Indicative annual rate
2.50 %
Estimated interest
CHF 1,037.48
Estimated total cost
CHF 21,037.48

Estimated monthly repayment

CHF 438.28

Indicative simulation only; it does not constitute a credit offer or an approval decision. Final terms will be provided to you after your application has been assessed.

How a loan is repaid

Each monthly repayment is made up of interest and capital. At the start, interest makes up more of it; by the end, almost all of it goes to capital.

Breakdown of each monthly repayment between interest and capital Interest share Capital share 148
Instalment Monthly repayment Interest Capital repaid Outstanding capital
1 CHF 438.28 CHF 41.67 CHF 396.61 CHF 19,603.39
2 CHF 438.28 CHF 40.84 CHF 397.44 CHF 19,205.95
3 CHF 438.28 CHF 40.01 CHF 398.27 CHF 18,807.68
4 CHF 438.28 CHF 39.18 CHF 399.10 CHF 18,408.58
5 CHF 438.28 CHF 38.35 CHF 399.93 CHF 18,008.65
6 CHF 438.28 CHF 37.52 CHF 400.76 CHF 17,607.89
7 CHF 438.28 CHF 36.68 CHF 401.60 CHF 17,206.29
8 CHF 438.28 CHF 35.85 CHF 402.43 CHF 16,803.86
9 CHF 438.28 CHF 35.01 CHF 403.27 CHF 16,400.59
10 CHF 438.28 CHF 34.17 CHF 404.11 CHF 15,996.48
11 CHF 438.28 CHF 33.33 CHF 404.95 CHF 15,591.53
12 CHF 438.28 CHF 32.48 CHF 405.80 CHF 15,185.73
Instalments 13 to 47
48 CHF 438.32 CHF 0.91 CHF 437.41 CHF 0.00
Total CHF 21,037.48 CHF 1,037.48 CHF 20,000.00

What we look at

There is no automatic score. Your case officer looks at:

  • Your income and how regular it is.
  • Your fixed outgoings: housing, existing loans, maintenance payments.
  • What you have left to live on once the repayment is made.
  • Whether the amount, term and project fit together.
  • The accuracy of the information and documents provided.

Credit terms explained

Borrowing rate
The annual interest rate charged on the amount still owed.
APR
Annual percentage rate: the total cost of credit expressed as a yearly rate, including fees. It is the figure to compare between offers.
Monthly repayment
The amount paid each month, including interest and capital.
Total cost of credit
Everything you pay on top of the amount borrowed: interest and fees.
Repayment schedule
The table showing each monthly repayment, its date and how it splits between interest and capital.
Withdrawal
The right to cancel the agreement after signing it, within the period set by law.
Early repayment
Paying off all or part of the loan before the due date, which reduces the interest.
Debt-to-income ratio
The share of your income that goes on repaying your loans.

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