Photo of Milenia employees in the new offices at the Conversions.
07.09.2021

Our values at your service.

Milenia was founded on a foundation of values. More than just slogans, convictions that guide each of our decisions, each of our actions. 

 

Our values in a nutshell.

Simplicity

Responsibility

Clarity

Quality

 

Our values in a nutshell.

The beauty of an action lies in its simplicity. We firmly believe in this.

Assume responsibility, be professional, make a personal commitment to support you, our client. This is our core business.

Let us speak truthfully, let us speak clearly. It's the least you can do in a relationship of trust.

Quality  is a state of mind, a result to be achieved, a service to be guaranteed.

 

Our values explained.

Every solution, every tool, every platform ; everything is designed to make your life easier. In a sometimes complex world, the value of simplicity has a very special resonance.

Accountability is a mindset that permeates all of our interactions. This increased sense of responsibility reinforces our legitimacy and therefore our recognition by you and our partners. This value is central to all the decisions we make.

Having clear communication reflects mastery of our subject. As credit experts, we know how to advise you. We understand the specificities of the sector. So we speak clearly, we explain things simply, we are responsible in our advice. You are the first beneficiary.

The choice to take out a loan, an insurance or a credit card requires an indisputable quality of service. From the first simulation on our financing platform to the payment of the borrowed amount, your experience is qualitative from start to finish.

 

Our values at your service. Examples.

Simplicity: 

On our platform, depending on the desired service, via an icon, you can access the following solutions in just two to five clicks maximum:

 

 

How long does it take to complete a personal loan simulation with amount and duration as well as the submission of all my contact details, financial data, marital status and a request for an offer? 

Less than 60 seconds. And we're broad.

Responsibility: You are in good hands. Not only do we apply the legal guidelines on consumer loans to the letter, but we go further in the analysis of the files submitted. What for? Because it's the responsible thing to do. Our mission at Milenia is to improve the lives of our customers. We achieve this because we don't cut corners, because we want to protect your interests as well as those of our partners.

In concrete terms, we apply a '4 eyes' method internally. Each case is dealt with quickly but thoroughly by two experts. Yours and his buddy. When we are satisfied with the quality of the file, it is then forwarded to one of our partner banks. They review all the documents in the file again. Your projects will be carried out with Milenia, in a simple, fast and responsible way.

Clarity: You will interact with experts who speak your mother tongue, who know the business like the back of their hand and who apply a proven and reliable methodology for processing your file. No blurring, no missing information, everything is communicated clearly.

Would you like to have more information for a better understanding of the world of credit? Your advisor is there for you, but you can easily access a multitude of articles on our blog on your own. By doing a simple search, you will have content that is targeted, transparent, reliable and... Clear.

Quality: An indispensable feature of our service. When you benefit from a customer experience based on actions made simple to undertake, when you can trust your interlocutor and  when the flow of information is clear and transparent, quality of service is a natural consequence.

We firmly believe in this and remain attentive to our customers to ensure constant progress in the quality of our tools and advice. They express themselves in their testimonials, which you can browse on our website.

 

And now?

Make your dreams come true, make your plans come true. We'll be by your side every step of the way. 

Simply, responsibly, by advising you with clarity to offer you a personalized solution of the highest quality.

 

 



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ompare credit offers. It has to be prepared, it has to be done calmly and it has to make sense.

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When you want to finance a project, there are various solutions available to you. Credit is a relatively simple financing tool, quick to execute and with a light administrative burden.

For further clarification, a credit is also called consumer credit, personal loan, loan, private loan, etc. This is a loan of a sum of money by a creditor to you, the debtor. The amount in question must be reimbursed within a time limit agreed between the parties. An interest rate is calculated in addition to the principal to be repaid in order to remunerate the services of the creditor, a bank in most cases.

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Is credit the right solution for my project?

Am I eligible?

The first question has the merit of judging the relevance and usefulness of your approach. As a responsible service provider, we put your interests at the heart of our attention. Over-indebtedness must be avoided at all costs and your loan must bring real added value and not represent a debt that is difficult to overcome.

Can your project be scaled back? Does your cash flow simply allow you to avoid taking out a loan? Is it the right time?

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The second question is also important.

Your advisor will be able to support you in this reflection, but you can already eliminate some doubts:

Am I domiciled in Switzerland? If not, you will not be eligible.

Am I of legal age? If not, you will not be eligible.

Am I involved in an action filed in the debt collection? If this is the case, you will not be eligible.

 

One egg, one basket.

If you want to continue with a credit application, don't rush!

Above all, do not file multiple applications with different providers or banks.

Each request is logged and will block your access to a favorable response.

Compare, choose your financial partner wisely and, if the conditions are met, draw up your file with them.

To make a fair choice, take advantage of the service offered by a financing platform. It's online and it's easy.

 

Compare what, exactly?

The quality, the network, the accessibility and, of course, the conditions.

By quality, we mean the clarity of the information provided and the transparency of the platform. 

Are there testimonials from satisfied customers? Is there an independent quality body involved, such as Proven Expert? Is the team running the company clearly displayed? Is the company based in Switzerland?

As far as  the network is concerned, the quality and scope of the network will determine the quality of the offers offered to you. Check the partners page or search for published articles or the platform's blog if it exists. 

It is preferable to do business with a major player in the market that has serious, even exclusive, partnerships with recognized banks.

Accessibility. An online solution is often less time-consuming and just as relevant as if you went to an agency. However, it will be necessary to speak with an expert, go through your file in person and have live advice. 

Be sure that you will be able to access this service.

Lately, the conditions. The rates displayed on the various platforms are often similar. There are criteria to be met, however, and these often make the difference.

First of all, the process until you sign the loan agreement must be completely free of charge! Whether you visit a credit comparison platform or a financing platform, run away if you are asked for a single franc for so-called administrative or processing costs.

Secondly, do not sign anything when you are in a comparative or information-seeking process. Your file must first be well completed and analysed and it is only when you make a credit proposal following the acceptance of your application that you will have the opportunity to sign or not.

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We invite you to inquire via Milenia. You will have the opportunity to simulate your credit, learn about our solutions, get to know our team, ask your questions, browse through our customer testimonials and discover our articles on our blog.

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Loan illustration: loan of CHF 10'000. Effective annual interests rates between 4.9% and 10.95% over a 12 month period lead to total interests of between CHF 261.80 and CHF 615.20. Duration: 6-120 months; Maximum annual interest rate (including all loan handling costs) 10.95%. Loans approval are prohibited if they lead to excess debt for the consumer. (Art. 3 LCD)

 

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