Your AVS/AI beneficiary loan request
Need a loan but don’t have a job? Go for Milenia. It’s easy and quick.
Your AVS/AI beneficiary loan, in a few simple clicks.
Hand in your loan request online and receive your money quickly and safely on your bank account.
Simple
Life isn’t always easy.
Let’s keep your credit loan application simple so you don’t need to worry.
Efficient
Nothing complex, nothing too heavy.
One single person of contact, one single application and your money is wired to your account.
Flexible
Whether you have benefits or not, you most probably fit the criteria and have every right to a credit loan.
Milenia, is:
438'329'240
CHF funded
15’057
contracts proposed
and finalized
98%
of customers recommend
us on Proven Expert
What people say about us
The steps involved in your application
1
Analysis of your loan request
2
Same-day telephone contact
3
Offer received 24 hours after analysis of your documents
4
Money transfert to your account
More information on loans for old age and disability insurance beneficiaries
Life is sometimes challenging but it also offers unexpected surprises. We need to be able to seize the moment and make our wishes come true. Even if you are in a tight spot, Milenia supports its customers by proposing tailored financial solutions respectful of their daily lives and reality. Always in a professional and benevolent approach. If you have a project and you are not sure how to make it happen, reach out and let’s see what we can do together!
Can I apply for a credit loan if I am an AVS or AI beneficiary ?
Yes. Some lenders might be wary of such situations but it is possible. Milenia proposes solutions that fit your personal situation.
Is it easy to obtain a credit
loan ?
It is less easy that for an applicant who has a job but it is possible.
At Milenia, we handle your application transparently and efficiently all the while supporting your application the best we can towards our banking partners.
What conditions should be filled ?
You benefits should amount to at least CHF 3'000 a month.
You should not benefit from complementary financial support or daily allocations.
You are under 70 years of age.
You have no ongoing legal proceedings and are not considered insolvent.
You are not under curatorship or guardianship.
Is there an age limit ?
Generally, credit loan needs to be paid back in full by 64 years of age.
That being said, Milenia has a solution through our privileged partnership with certain banks, where that age limit is raised to 70.
It is to be noted that the maximum payback duration for an AVS beneficiary must not exceed 36 months.
What are the interest rates applied ?
Interest rates generally vary between 7.90% and 10.95%. These rates are above those usually applied because the risk for the lender is considered higher.
However, each situation is unique. Our people at Milenia can surely recommend the best course of action for you so that you can move ahead with your personal projects.
What documents must I deliver when sending my application ?
A copy of your ID or residency permit (both sides)
Copies of your last 3 bank statements indicating the concerned benefits.
A proof of benefits awarded (certificate from the relative benefits organizations).
A copy of your rental agreement or mortgage contract if you are an owner.
A copy of your medical insurance policies (LAMAL) for you and family members.
Click here to know more.
What should I consider as being a good loan ?
A credit loan which has installments and conditions which take your budget into account.
A loan which is processed by a trustworthy advisor offering you a healthy plan which is useful to you and abides by all standard legal requirements.
A credit loan provided by an organization that follows a GDPR framework and handles your personal information confidentially.
Why should I choose Milenia ?
We offer healthy loans which are useful and formatted to fit your needs. Milenia is dedicated to simplifying the application process by making the experience clear, swift and easy. Trust is also an important value to us. We strive to building strong relationships with our customers and take their uniqueness into consideration. We also build trust with our banking partners. It is what allows us to offer the best rates available.
With this in mind, you may apply for a loan with peace of mind and in a seamless manner. Our online platform and Swiss based experts will get back to you within 24 hours.
We are at your side until you receive your funds on your account and beyond. Trust is earned and that is why we are committed to you.
Our credit tip
Trust only recognized experts known for their know-how and experience. Go for a team of people whose mission is to offer you the best rates and the best solution tailored to your needs. Choose transparency and flexibility.
Our drive for excellence remains the same: simplicity, flexibility, reactivity and building trust!
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)