The personal loan revolution in Switzerland!
With Lica, it's easy, fast – and you get cashback in addition to your personal loan. Apply 100% online and receive up to CHF 5'000.- cashback straight to your account, on top of your personal loan. An exclusive bonus, transparent service, and a fast response!
A flexible personal loan for every project!
Finding the right personal loan has never been easier! At Lica, we analyse your situation and your goals to offer you the most advantageous financing solution. Whether you want to finance a personal purchase, a vehicle, a real-estate project, or simply consolidate your existing loans, our offers adapt to all your needs.
The personal loan with genuine human service
Your personal loan in just a few steps!
Submit your online application
Complete your application in just 2 minutes, with no commitment and no unnecessary paperwork.
An expert contacts you
A Lica advisor calls you the same day to verify the information and complete your application.
Personalized personal loan
You receive your tailored offer within 24 hours, after a full review of your documents.
Disbursement of your funds
Once the offer is signed, the funds are securely transferred to your account within 14 days.
FAQ about personal loans in Switzerland
Because every project deserves to be clearly understood, we have gathered the answers to the most frequent questions to help you move forward confidently with your personal loan application.
What is a personal loan?
A personal loan, also known as a private loan, is financing granted to an individual for personal needs such as buying a vehicle, home improvements, unexpected expenses, loan consolidation, or cash flow support. It is a fixed-rate loan with constant monthly payments and a predetermined term. At Lica, we help you find the credit solution best suited to your situation, at the best market rate and with no hidden fees.
What is our approach to personal loans?
The financing of your projects should bring peace of mind, not stress. That’s why Lica simplifies every step: from the online application to the disbursement of funds, everything is designed to be fast, transparent, and accessible. Our specialists have access to the ZEK and CRIF databases, allowing us to analyse your file accurately and offer you advantageous conditions. Whether it’s for a consumer loan, a real estate project, a car purchase, or an urgent need, Lica does everything to help you bring your projects to life with complete confidence.
Why choose Lica?
With Lica, you benefit from human support, recognised expertise, and strong partnerships with leading Swiss banks. We process your application quickly, providing a clear and personalised response. Our mission is to offer you the best rate, a fully transparent offer, and a 100% Swiss service. Whether you are looking to obtain a personal loan, a credit card, or secure your financing with instalment insurance or unemployment insurance, our advisors optimise your file to maximise your chances of approval and get you the best conditions on the market.
How to get a personal loan in Switzerland?
Obtaining a personal loan is governed by the Swiss Consumer Credit Act (LCC). To prepare your application properly, start by defining your financing needs, the desired amount, and the loan term. Then gather your personal documents such as an ID card or passport, a valid residence permit (B, C, or G), your last three salary slips, and a recent proof of address. Finally, submit your online application on Lica’s website – it’s simple, fast, and without obligation. An advisor will contact you the same day to finalise your file.
How long does it take to receive the money?
After the contract has been validated and signed, the Swiss Consumer Credit Act (LCC) provides for a legal 14-day cooling-off period. Once this period has passed, the funds are transferred to your account immediately. For amounts exceeding CHF 80,000, the transfer can be made without any waiting period.
How does Lica cashback work?
Cashback is available only for credit applications completed 100% online. You must select the “ With Cashback ” option and complete your application fully independently. If a specialist must intervene in your file (document requests, application preparation, negotiations…), the cashback can no longer be granted. The amount paid back depends on the signed contract and can reach up to CHF 5,000, with a detailed breakdown. The cashback is paid 30 days after your personal loan is disbursed.
If I have had debt collection proceedings, can I still get a personal loan?
Yes, it is still possible depending on your situation. If your debt collection proceedings have been settled, a loan may be granted as long as your application is properly prepared. However, if there are still open proceedings, it is advisable to wait for them to be cleared before applying, as a rejection could have a very negative impact on your future financing projects. At Lica, we have the expertise to analyse, prepare, and optimise a file in which there have been — or still are — debt collection proceedings, in order to maximise your chances of approval when the situation allows.
How can I protect myself in case of unemployment?
In the event of job loss, you can protect your loan through two types of insurance. The first is directly integrated into your loan and covers the monthly payments during your unemployment period. The second, an independent complementary insurance, offers greater flexibility: it is not tied to your loan and can be used to cover other expenses. Our advisors guide you in choosing the solution that best fits your situation and budget.
What pitfalls should be avoided when applying for a loan?
Some fraudulent websites can imitate official intermediaries. Before submitting your data, always check for clear legal information and the company’s identity. Also be wary of hidden fees: some providers add processing charges or non-mandatory insurance. At Lica, everything is transparent, with no additional costs. Finally, keep in mind that no company can guarantee a loan “approved at 100%”. Banks are legally required to verify your creditworthiness and repayment capacity before granting approval.
They chose Lica for their personal loan!
Each review tells a story, a project, a success. We thank our clients for their authentic feedback, which reflects the quality of our support and the trust they place in us.
I recommend it to everyone.
You fought for over 4 months to get us this contract, you're really great.
You're the best
He has incredible patience, î explains things patiently and is always there to help you without a doubt.
Thanks to Xavier for the incredible work he does for me ✨
News about personal loans in Switzerland
Discover the latest articles written by our team of personal loan experts. Through our advice, analyses, and insights into the Swiss market, we help you better understand the financing solutions available and make the best decisions for your projects.
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