Crédits Conseils employees posing together for a photo.
22.01.2024

Crédits conseils. Your financing project is in good hands.

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.

 

 



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Remember your first time?

You put on your best suit or dress to visit the person who will have a huge influence on your life and plans. You're kind of going to meet your significant other. 

The appointment is set, the address where the 'date' will take place is known and you are not sure what to expect.

The date goes as you hoped, the charm works. And then comes the fateful moment, the question that will decide the rest of your meeting... 'What guarantees do you have so that we can review your loan application?'

The cold shower, the atmosphere changes abruptly... You were simply hoping to benefit from financial assistance for your project and you realize that without funds, without goods, without a contribution... This will be more complicated than expected.

As everyone knows, in order to benefit from a bank loan  , you need to present assets in return. The system is thus set up and serves as a margin of safety that allows our financial institutions to take as little risk as possible in granting a loan. Is that fair? Is it romantic? It's simply a give-and-take game.

 

Will history repeat itself?

It all depends on your need. There is indeed a form of financing that does not require any contribution or even the slightest commitment before the contract is signed.

This form of financing is private credit. No need to advance a sum, no need for collateral, no need for guarantees from a third party.

All you need to do is be domiciled in Switzerland, be of legal age and have a file that meets the legal standards in force. 

Of course, additional acceptance criteria are applied once your application has been submitted. Each bank has a set of rules that will need to be agreed to in order for you to benefit from a favorable review. It is therefore essential to gather all the supporting documents to maximize your chances.

Apart from that, there are no guarantees, no advances, no collateral... is not required beforehand.

 

What's the catch?

There is none. A financing platform such as Milenia puts together your file by simply making sure that your budget is in line with the amount requested. It's about presenting you with a responsible and repayable loan. It's as simple as that.

Do I still need to provide documents?

Yes, it is essential to put together an application that meets the established criteria. Repayment capacity, indebtedness, marital status, ZEK and CRIF history, etc.

Is it a cumbersome administrative procedure?

Absolutely not. You will be accompanied and advised. With just a few steps, all the necessary documents are gathered and you will receive a financing proposal within 24 hours. Are you happy with the conditions? Your money is paid out immediately after you sign the credit agreement. It's simple and it's fast.

 

Does it work to buy a vehicle? To finance a furniture project? To pay for my studies?

Yes, yes, yes. The advantage of a loan of this type is also your freedom to use the borrowed funds according to the need you encounter.

Not a fan of the leasing principle  ? You can buy your car in cash. The vehicle is fully yours, you are free to resell it whenever you want, you are not tied to a specific garage or dealership and the type of insurance policy taken out is at your convenience.

Need to renovate your apartment? No need to go through a mortgage. In order to circumvent the complexity of this type of arrangement, a personal loan is indeed an attractive solution. Of course, it all depends on the amount involved, but the simplicity of a loan application combined with the fact that you do not have to pre-finance a loan is very attractive.

Are the registration fees for your studies high? Credit can help. When you're just starting out in the workforce, which is the case for most people entering higher education, needless to say, you're not immersed in cash. As long as your approach is balanced and well thought out, access to a personal loan makes things a lot easier. This way, you can devote yourself fully to succeeding in your academic endeavours!

We repeat; As long as the credit solution is balanced and respectful of your personal and financial reality, it is undoubtedly the least restrictive and easiest to carry out financing method available on the market.

 

How do I do it?

It's easy. All you have to do is go to a financing platform, make a simulation including the amount, duration and the expected interest rate. You will then be contacted for an exchange allowing your personal advisor to further your query. Once the required information has been gathered and you give your consent, your request will be sent to one of the partner banks that is best able to respond favourably.

The contract will then be sent to you. After signing, the amount is paid into your account. Your personal advisor will guide you from the beginning of the process to the receipt of the funds. 

One last thing, not only will you not be asked for any guarantee, but there will be no application fees or remuneration required for the management of your file. This is taken care of by the bank. So don't rely on organizations that charge application fees, study fees, or commissions for advice. You don't have to pay anything upfront to your advisor or the financial institution.

In the end, it's not a romantic approach but at least it's better than your first time!

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What exactly are we talking about?

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.

As this is a form of financing that does not require a down payment or guarantee, the rate applied varies according to the amount borrowed, the quality of your file and the repayment period.

Financing platforms such as Milenia are used to offer the best rates on the market and to support you in your efforts. You don't pay anything for this service; The remuneration of these platforms is ensured within the framework of the agreements with the partner banks.

 

Before you compare, ask yourself two questions.

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?

These are all useful questions that allow you to judge whether or not you need to move forward.

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.

Finally, a 0.10% lower rate does not necessarily mean a good deal. All of this must be considered. The quality of your relationship with your advisor, the seriousness shown when drawing up your request, the choice of partners... Confidence and peace of mind knowing that you are in good hands is far more important than a tiny spread in the rate offered.

 

Do you have any questions?

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 11.95% over a 12 month period lead to total interests of between CHF 261.80 and CHF 624.80. Duration: 6-120 months; Maximum annual interest rate (including all loan handling costs) 11.95%. Loans approval are prohibited if they lead to excess debt for the consumer. (Art. 3 LCD)

 

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