22.01.2024
Crédits Conseils employees posing together for a photo.

Today, Crédits Conseils is part of a group that is the leading brokerage player in Switzerland. While benefiting from the most competitive borrowing rates in the sector, Crédits Conseils' clients continue to benefit from know-how and a responsible approach.

 

Strike force, yes. But quality comes first!

Credit advice, just like Credaris, cashmoney and Milenia are part of a group. Together, they are by far the most successful players in the Swiss credit market.

So what?

That means more partner banks, more solutions tailored to your needs, access to the best rates, more experience, and more technology.

However, what matters most is the quality of service.

In your exchanges, in the analysis of your loan application, in the advice offered, in the preparation of your file and in the tools made available to you.

The quantity is there, and so is the quality.

For 20 years, Crédits conseils has been offering the best by accompanying its clients with care, with increased attention to detail... in order to guarantee a high acceptance rate.

After all, the realization of your projects is the main objective, respecting another common value, the sense of responsibility.

Responsibility, another common value!

We were talking about it. Milenia shares similar values to Advice Credits. Quality, of course, but also responsibility.

It is not for nothing that the consolidation of credit players has taken place. Shared values are a prerequisite.

Fighting over-indebtedness is a key element of a shared responsibility between all the company's employees.

Having a responsible approach means responsible communication and marketing. Don't make untenable promises, don't target financially fragile profiles, avoid cases of over-indebtedness at all costs.

This is not only a legal obligation but a true internal belief.

Made-to-measure. Of course!

The expertise of Crédits Conseils' advisers is expressed according to the typology of each file.

As a couple? Bachelor? Is you a pensioner or not?

The degree of remuneration, the individual repayment capacity, the desired amount, the history according to the ZEK database, etc. Everything is considered.

Each application deserves to be considered on its own merits and weaknesses.

Every situation is different.

The advisors therefore try to understand each personal aspect in order to put together an application that has every chance of being accepted by the partner bank.

With this in mind, communication is a key factor.

Whether online on  the financing platform, during a telephone exchange or in person, knowing how to communicate in the customer's native language is a real advantage!

So you speak my language?

Oui. Si. Yes. Sim. Ja. Evet.

At Crédits Conseils, many languages are offered. You will be able to count on French, German, Italian, Spanish, Portuguese, English and others depending on your interlocutor.

A personal financing project is so important. It deserves the space and a quality of communication that allows it to quickly and qualitatively build the best possible credit report.

So you feel heard, respected, and understood.

In addition, your time is precious, so you might as well take advantage of the digital solutions offered. It's a guaranteed time saver!

Fully digitalised but also physically present throughout Switzerland

Submit your documents, whether they are payslips, invoices, extracts from the register and identity documents... In one click, online, easily, quickly...

Applying for a loan without having to go to the post office or go to a representative office...

Sign for agreement, even your loan agreement, by means of a secure digital solution... All of this is now possible.

Crédit Conseils is a fundamentally human company that offers to welcome you in its offices located in Versoix.

As Milenia is located in the vicinity of Lausanne, Crédits Conseils in the vicinity of Geneva, the majority of French-speaking clients will not have to travel far to get advice in person.

With a presence in the largest German-speaking city, the group is also ideally positioned at the national level.

The consolidation will undoubtedly continue to be even closer to you.

Interested in a career in the credit industry?

Switzerland has some excellent players in the personal loan sector.

The above-mentioned values demonstrate the seriousness and care taken to generate personalized, people-friendly and effective solutions.

Conseils Credits, Credaris, Cashmoney and Milenia will continue to grow and progress in a competitive credit market where only serious, professional and value-bearing parties will continue to grow.

Why not join them and discover a dynamic and evolving world of work?

Whether you have a sense of advice, numbers or well-crafted files, everyone can find their place in multicultural teams that are fair and have opportunities for growth.

The word value comes up a lot. It is a cornerstone of the group.

If you act responsibly, if you aim for quality in the work done, if you appreciate exchanges and a way of operating anchored in the principle of clarity and if you prioritize simple but effective actions rather than complexity and vagueness... Apply!

In the meantime, if you need to finance a project, whether it's a real estate project, the purchase of a vehicle, the organization of a trip, the enrollment in higher studies, the creation of a business... Contact us.

Together, we will study your application in order to put together a fully tailor-made file that is designed to increase your chances of acceptance, in accordance with your means and the rules in this area.

We'll be by your side from the first moment of contact to the transfer of your money to your bank account.

We are at your service, quite simply.

 

 

 

 



A first in Switzerland: your 100% digital loan!

For the first time, live the experience of a fully digitized online loan, from the submission of your application to the signing of the contract and the payment of your money.

 

Your contract, 100% online.

Milenia, focused on simplicity and quality, innovates with a fully online loan. Sign remotely with E-ID and E-Sign, providing a secure and transparent process. No more paperwork, no more travel. Your approach, your pace, our responsibility.

Milenia's values (simplicity, responsibility, clarity and quality) are centred on improving your life; This is our main mission.

This encourages us to constantly evolve and present you with solutions and services that will have a positive impact on your procedures, especially administrative ones.

This is why we offer you, as a first step, to take out your loan in a 100% digital way.

In partnership with Cembra Money Bank, you can take full advantage of your online credit without worrying about paperwork.

Even your credit agreement can now be signed remotely.

This may seem like a no-brainer in a world filled with new technologies, but until now, no one in the personal loan business offered this service.

Those days are now over and we're proud to share it with you!

After all, until recently, all your contract documents were signed manually and sent to partner banks.

That is now history. So forget all postal exchanges, purchases of stamps, envelopes, paper; All you need is an internet connection... That's better, isn't it?

This process required the implementation of new technological tools:

E-ID, which allows you to be authenticated remotely.

It is a digitized proof of identity that allows you to be recognized and to have your financial and administrative transactions carried out electronically.

You will receive a link that you can click on and a caller will ask you to show your ID. That's it!

Then, the E-Sign which gives you the opportunity to sign your documents digitally.

Simplicity and security are guaranteed.

Isn't it more complex than it used to be?

It is legitimate to have this kind of intuition, we present you a totally digital method.

After all, we're moving away from the traditional methods we're used to and moving towards a new solution.

It's called change and it can be scary.

Simplicity above all!

However, with our new online credit offer, all this simplifies your credit application.

No need to move around, everything is accessible on a computer with internet access.

You no longer need to go to our offices, nor do you need to go to the post office.

If you don't need to go to the post office anymore, you don't have to bother with paperwork.

In short, don't waste precious time and move to the digital speed.

As you can see, you can now approach your procedures with much more ease.

Even if you remain skeptical about this transformation, which is perfectly understandable, digital progress allows for better cooperation, more transparency and more service for you, our dear customers.

 

Everything remains clear. Our advice above all.

You will always have access to an advisor if needed.

The digitization process simply allows you to benefit from a tailor-made approach that meets your financing needs.

While you can rest assured that you can file paper documents manually, don't worry about keeping your documents digital.

This is also safer knowing that your digital documents cannot burn, get lost, wear out... Everything is carefully preserved in a secure space.

This is in accordance with the new data protection law.

When in doubt, our fundamentally human approach remains tangible.

All you have to do is call us or make an appointment at our offices if it seems useful and reassuring. In all other cases, in a few clicks, in a few days, your application is completed, analyzed, submitted, accepted and signed. Your financing follows in the aftermath.

 

Responsibility is still there!

A responsible approach remains at the heart of our digital initiative.

Authentication process, confidential procedure, access to an advisor... Every step, every need is designed to meet your needs.

No identity theft is possible, no action can be validated without your consent. You are only liable if you wish to do so.

For the electronic signature of your documents, the task is going to be complicated, practice signing on a screen now, it doesn't change anything on paper but you never know. We're joking, of course...

On a more serious note, the electronic signature will concern your credit agreement. No, you won't have to sign on your screen, but you will have an electronic signature that only you will know how to activate.

You have the same rights and protections as before. A two-week right of withdrawal after signing the contract, the possibility of adapting your credit formula, the right to an in-depth analysis of your file to avoid the risk of over-indebtedness, etc.

The digital management of your file from A to Z has no impact on the safeguarding of your rights and the seriousness with which we assume our responsibilities of advice and facilitation is only tenfold.

In a word: Quality.

The cost of this service that leads to less time and hassle? There is none.

Since our creation, our role as a financial platform is simple, clear and responsible financing platform has generated no expense for you.

You won't have to cover any supposed administrative costs or so-called file creations.

Our remuneration is established with our banking partners, not our customers.

Is my access to human advice, delivered by a physical personal advisor, still assured? Yes, of course.

Whether in person, via WhatsApp or by email, your advisor, based in Switzerland, will always be at your disposal.

What do I need to do to activate this digital application process?

Just go to our website. Everything is explained, in all simplicity. Promised!

Can I always count on a highly individualized approach that takes into account my reality and my personal financial situation? That goes without saying!

It's our job, our passion.

Regardless of my signature method, do I still have attractive rates? The best on the market!

As Switzerland's leading financing platform, we offer you the most suitable and favourable solutions and conditions.

For Milenia, technology is synonymous with process improvement.

True to our mission, we work to put this technology at your service, in a fundamentally human way.

 

 

 

 

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