Whatever your project, a personal loan may be the solution. Sometimes misperceived, this form of financing is nevertheless fast, secure and flexible.
When?
When you take out a loan, the necessary steps are taken during the preparation of your file to ensure your creditworthiness.
The credit industry is highly regulated. The conditions for accepting your application are based in particular on a high degree of confidence in your ability to repay the amount borrowed within the agreed time and under the contractual conditions.
So when can you take out a loan?
At any time as long as you are of legal age and provided that you have a sufficiently healthy financial situation to take out a loan.
In addition, there is the obligation to have an income, of course, and to work in Switzerland. If you are married, your spouse's information will also be collected and taken into consideration.
Do you have to wait a long time for an answer?
No, the process of drawing up the supporting documents is quick and the answer is provided immediately allowing you to sign the credit agreement and collect the funds in your bank account.
For what?
For any personal project that requires financial support. This support can compensate for a lack of cash flow or allow you to avoid drawing on your reserves by benefiting from a repayment solution spread over time.
For any project?
Yes, for any project. Credit offers the advantage of not being dedicated to an investment that must be justified through a contract, invoices or a project. In other words, you are free to use the amount advanced as you see fit, according to the needs identified.
For a project related to my company?
Also. Individuals, as well as self-employed persons or business owners, can take out a personal loan or a business loan without constraint for one or the other; apart from the study of your file as explained above
So if I want to paint my house neon yellow or buy a crocodile, can I?
In principle, yes. However, we advise you to review the colour so as not to upset your neighbours and to check with the health authorities if you are allowed to import a crocodile.
Let's list some concrete examples of the most frequently encountered scenarios:
- Vehicle purchase. The buyer prefers to opt for a loan rather than a lease.
- Real estate project. A couple wants to renovate the apartment and redo the kitchen.
- Financing of studies. The student has to finance his enrolment in the school of his choice and lacks cash flow because he does not have an income. His parents can do what is necessary.
- Wedding financing. The bride and groom want the ceremony and party of their dreams. It's a magical moment that they hope will be unforgettable.
- To simply cope with unexpected loads. An unexpected bill, an unbudgeted repair, undervalued taxes... There are many examples of unpleasant surprises. Sometimes you just need a boost.
For SMEs, it is essentially a compensation for missing cash flow or a supplement to the investment budget to modernise a work tool.
How?
It couldn't be easier.
All you have to do is simulate your personal loan on a financing platform such as the one offered by Milenia. You will have the opportunity to:
- Simulate your loan by entering the desired amount and the term. The best available rate will be proposed, leading to a calculation of your monthly payments.
- Be aware of the administrative measures to be undertaken. They are not cumbersome but necessary for the proper preparation of your file.
- Browse credit-related articles; Articles that cover a variety of topics such as the possibilities of refinancing or refinancing your loan, the banking partners who lend the money, the protection of your personal data, the rates applied, credit compared to leasing etc...
- Discover the many testimonials of customers who have been able to use the services offered by Milenia.
- Find out about the unemployment insurance offer that allows you to compensate for the loss of income due to job loss; compensation that would help you repay your financial obligations.
Who?
Indeed, after deciding when, for what and having understood the how, you still have to make a choice with regard to your financial partner.
This is therefore a crucial issue as trust and transparency play a key role in the level of quality of the service provided to you. After all, it is indeed a financial commitment on your part that deserves the full attention of your interlocutor as well as wise and benevolent advice.
The best choice is proximity and experience. To be able to rely on "Made in Switzerland" expertise and to be able to rely on know-how that has proven itself over time.
Milenia offers this. A financing platform located near Lausanne and with a team dedicated to the realization of your projects, the company enjoys an excellent reputation in the consumer lending sector. This is reflected in the continuous growth of its business and the level of satisfaction of its customers, as evidenced by Proven Expert.
Still not convinced? There's no harm. Comparing offers is healthy and we encourage you to do so. Be careful, however, not to open credit requests in multiple places at once; this is not well regarded by banks that have access to databases such as ZEK. These register requests for loans. Too many applications decrease your chances of acceptance.
Also be wary of providers who require payment to cover administrative costs or who do not have an extensive network of banking partners.
You should know that you are in no way obliged to provide for advances on costs and that the entire process of applying for a loan must be completely free of charge. The platforms are paid by the lending bank, so don't fall for it.
At the end of the day, your desire to take out a loan is intended to make your life easier, not more complicated. So don't take any unnecessary risks and opt for a service rooted in transparency and industry best practices. If you have a question, simply contact your personal advisor within Milenia; either through the platform or by calling directly.
Your advisor will be able to ask you the right questions and advise you clearly, in your native language and with your interests in mind.
