The Swiss credit platform

Can you obtain a loan as an AVS or AI pension recipient?

Do you receive an AVS or AI pension? Access to credit is possible under certain conditions in Switzerland. Income, age, debt enforcement proceedings and creditworthiness: the criteria to know before submitting an application.

 

Loans for AVS or AI pension recipients in Switzerland: is it possible?

Yes. An AVS (Old Age and Survivors' Insurance) or AI (Disability Insurance) pension recipient can submit a consumer credit application.

However, the granting of a personal loan remains subject to strict conditions, designed to protect the borrower against over-indebtedness and to ensure responsible assessment of the application.

Since every situation is unique, access to credit for a pension recipient depends mainly on income level, overall financial situation and compliance with certain banking criteria.

Unlike a salaried employee, the income is fixed and not subject to change. Financial institutions therefore assess repayment capacity with particular care. The amount of the pension, monthly expenses and personal circumstances are all decisive factors.

The application itself remains simple, quick and free of charge. It is the acceptance criteria that require in-depth analysis.

 

What conditions are generally required?

For an application to be favourably assessed, certain minimum conditions are frequently applied:

• monthly pension income of at least CHF 3,000
• no receipt of supplementary benefits or daily allowances
• not exceeding 68 years of age
• no ongoing debt enforcement proceedings or certificates of loss
• not under guardianship or curatorship

 

These criteria may vary slightly depending on the banking partner, but they represent a common basis for assessment.

 

Does age affect the loan term?

Yes, significantly.

Most banks require that the loan be fully repaid before the age of 65.

For pension recipients, contractual terms rarely exceed 36 months, and the loan must be fully repaid before the age of 70.

The term directly affects the monthly repayment amount: the shorter the term, the higher the instalments.

 

What documents are required?

Assessing a pension recipient's application requires specific supporting documents in order to evaluate the stability of income and expenses.

The documents generally requested are:

• a copy of the Swiss identity document or residence permit
• the last three bank statements showing pension payments
• official AVS or AI pension certificates

 

Lending institutions may request additional documents depending on the situation.

 

Responsible assessment before any decision

Granting a loan to a pension recipient requires a prudent approach. The goal is not only to obtain approval, but to ensure that the solution remains compatible with the monthly budget and does not create financial imbalance.

At Milenia, we assess each situation with rigour and transparency. We present applications to our financial partners taking into account the specific criteria applicable to AVS or AI pension recipients.

We also carry out a preliminary creditworthiness check to avoid any unnecessary adverse entries with the ZEK.

The assessment is free of charge and non-binding, with a prompt response. 

 

 

 

 

Wedding loan in Switzerland : how to finance the most beautiful day of your life ?

Financing a wedding is based on a balance between available savings, borrowing capacity and future budget management. Every decision has a lasting impact on your financial situation after the event.

 

Financing your wedding in Switzerland : what are the options ?

A wedding is one of life’s major milestones. It symbolises commitment, a shared project and often the beginning of a new chapter.

But behind the ceremony and celebration, there is also a significant financial reality.

In Switzerland, organising a wedding represents a considerable investment.

Between the venue, catering, wedding rings, dress, suit, decoration and photographer, costs can quickly exceed the initial estimates.

Personal savings, family support, consumer credit or other alternatives : several solutions exist to finance this event without unbalancing your budget.

Planning your budget in advance and identifying suitable financing solutions allows you to prepare for the event with peace of mind.

 

What budget should you plan for a wedding in Switzerland in 2026 ?

The cost of a wedding in Switzerland varies depending on the number of guests, the chosen venue, the season, the level of services and the desired style of reception.

As an indication, for around 100 guests, the average budget generally ranges between CHF 25’000.– and CHF 35’000.–, or even more depending on expectations.

The main expense is often the meal and aperitif, which can represent between CHF 80.– and CHF 120.– per person.

To this must be added the wedding rings, bridal outfits, venue rental, photographer or videographer, floral decoration, musical entertainment, invitations, cake, make-up, hairstyling, transportation and even accommodation for some guests.

These different elements, sometimes underestimated at the beginning, explain why the initial budget can quickly evolve.

Detailed planning helps anticipate these costs and avoid unpleasant surprises.

 

What alternatives to credit exist to finance a wedding ?

Credit is not the only option. Depending on your situation, other solutions may be considered.

Using part of your savings remains the simplest solution, provided it does not weaken your financial security.

Reducing or adapting the project can also help optimise costs : number of guests, chosen season, venue or type of reception.

Some families also contribute financially, which may reduce the amount that needs to be covered.

The important thing is to build a realistic budget aligned with your priorities and your overall financial situation.

 

Financing your wedding with Milenia

At Milenia, we compare the best offers on the Swiss market for you. Within 24 hours, you receive a preliminary decision for financing ranging from CHF 3’000.– to CHF 400’000.–, with some of the lowest rates in Switzerland.

We assess :

• Your repayment capacity
• Your professional situation
• Your current financial commitments
• Your creditworthiness history

 

Our goal is to offer a responsible solution with transparent conditions tailored to your budget.

The analysis is free and without obligation. You remain free to decide at every stage.

A wedding should remain a joyful moment, not a source of lasting financial stress. Whether through savings or financing via our banking partners in Switzerland, the key is to choose a solution that remains consistent with your future plans.

 

 

 

 

Loan refused : what alternatives are available ?

A loan refusal is not a dead end. Here is an overview of alternatives to personal loans and practical solutions to finance your projects, deal with unexpected expenses and find options suited to your situation.

 

Understanding the reasons behind a loan refusal

When processing an application, banks primarily assess your repayment capacity, your credit history, your professional situation and any potential debt enforcement proceedings.

Income deemed insufficient relative to the requested amount may result in an automatic refusal.

Equally, your history with the ZEK plays a central role: late payments, multiple applications or past incidents can all weigh on the decision.

Open or unresolved debt enforcement proceedings also represent a significant obstacle, as do certain profiles (self-employed, permit B holders, pension recipients), which often require more in-depth analysis.

Identifying the exact cause of the refusal is already a first step towards taking the right approach.

 

When traditional credit is not accessible

When traditional credit is not accessible, several options may be considered depending on your situation.

The first option is to improve your file before submitting a new application : settle debt enforcement proceedings, correct inaccurate data in solvency registers, reduce your debt ratio or wait for a positive evolution of your income.

This approach may take time, but it remains one of the most effective solutions.

Loan consolidation or refinancing may also be relevant when several commitments are running simultaneously.

It allows you to combine different debts into a single monthly payment, providing better budget visibility and a lighter monthly burden.

 

Other solutions depending on your situation

For smaller amounts, borrowing from relatives or friends may be a possible alternative.

This solution offers flexibility, provided it is formalised in writing to avoid misunderstandings.

Using part of your savings may sometimes help avoid taking on new debt, as long as you keep sufficient reserves for unexpected events.

Some people also turn to leasing, particularly for vehicles. However, this solution involves important constraints and often provides less freedom than a traditional loan.

Crowdlending, or peer-to-peer lending through specialised platforms, may also offer financing with more flexible criteria. However, the available amounts are generally limited and require a clearly defined project.

Sometimes, postponing or downsizing a project remains the most prudent option.

Saving money for a few months may reduce the amount that needs financing and improve the conditions of a future application.

 

Getting support to choose the right solution

After a loan refusal, it is not always easy to identify the most suitable alternative.

Improving your file, consolidating your loans, using your savings, considering participative financing or simply waiting are all possible options.

Every situation deserves a personalised approach, and at Milenia, our advisors analyse your overall situation to guide you towards the most relevant solutions.

Thanks to our network of partners, we can also explore options for profiles that fall outside standard criteria. Your project matters to you ? Do not give up.