Cross-border financing
Cross-border loan
made for you!
MONTHLY PAYMENT FROM CHF 0.00
Apply for your cross-border loan 100% online and bring your personal or family projects to life. Lica supports cross-border workers who are employed in Switzerland and live abroad – whether it’s for major purchases, personal goals, or consolidating existing loans.
The benefits of a
cross-border loan
Choosing a cross-border loan means accessing a solution tailored for people working in Switzerland and living in a neighbouring country. Enjoy a 100% online process, attractive conditions, and personalised support to finance your projects.
Instant response, no waiting
Our experts review your request immediately so you can move forward with your projects right away.
Your cross-border loan approved
We know each bank’s requirements and prepare your file to ensure your cross-border loan gets approved.
Tailored financing for you
Choose the amount, term and instalments based on your needs. Your loan fits your budget and situation.
99% of our clients are satisfied
With a 99% satisfaction rate, our cross-border clients appreciate the simplicity, speed, and clarity of Lica’s cross-border loan.
Give your projects a boost!
Achieve your personal goals with a cross-border loan
The cross-border loan is designed for those who work in Switzerland but live in a neighbouring country. This financing solution helps you carry out your personal projects quickly. Whether it’s for a purchase, renovation, vehicle, or liquidity optimisation – with Lica, you secure your loan approval.
This type of financing gives you full freedom: you choose the amount, duration, and instalments based on your needs. You benefit from a loan fully tailored to your situation and goals. The flexibility of this solution allows you to maintain financial balance while funding your projects at your own pace.
With Lica, you benefit from preferential rates, human support, and proven expertise in cross-border financing. Your application is processed immediately, ensuring a clear response and fast funding.
A solution tailored for cross-border workers
The cross-border loan summed up in figures
Cross-border loan
in 3 steps!
With Lica, the cross-border loan becomes simple and accessible! Our online process ensures clear guidance and attractive terms.
I
Start your financing request
Fill out your application online, upload your documents, and let Lica handle the rest. Our fast, no-obligation financing process ensures priority handling and terms tailored to your situation.
II
Your tailored cross-border loan
Our advisors assess your financial profile and negotiate with multiple partners to secure the best possible terms for you. Your cross-border loan is then perfectly aligned with your projects and your lifestyle.
III
Use your capital freely and flexibly
Once your application is approved, the funds are transferred directly to your account. You benefit from fast, reliable, and hassle-free financing. Lica continues to support you in managing your loan over time.
Our clients’ satisfaction
Their experience with Lica’s cross-border loan
Our clients share their positive experience with Lica: responsive service, attentive support, and fast, hassle-free financing. Thanks to the cross-border loan, they were able to realise their personal projects with human and professional guidance every step of the way.
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 ✨
FAQ cross-border loan in Switzerland
Have questions before applying for your cross-border loan? We’ve got the answers. Discover the key information to move forward confidently with a clear, flexible loan designed for cross-border workers in Switzerland.
What is a cross-border loan and who is it for?
This type of financing is designed for cross-border workers who are employed in Switzerland and reside in a neighbouring country. It meets the needs of cross-border households by offering privileged access to transparent, secure Swiss financing. Whether you're looking to make a purchase, cover major expenses, or consolidate loans, this solution adapts to your personal situation. Lica provides its expertise to offer you tailored conditions and reliable support.
Who can benefit from a cross-border loan?
The cross-border loan is intended for workers employed in Switzerland and residing in a neighbouring country. It is open to all employees earning income in Swiss francs who wish to finance a project, make a purchase, or optimise their budget. With Lica, every application is carefully reviewed – even if your situation has unique aspects. We support you in finding the most advantageous financing solution tailored to your cross-border profile.
What loan amounts are available with a cross-border loan?
With a cross-border loan, you can obtain an amount between CHF 3'000.- and CHF 250'000.-, depending on your income and professional stability. Lica helps you find the right amount for your personal projects, whether they involve buying, renovating or consolidating credit. Thanks to our Swiss partners, you benefit from flexible conditions, competitive rates and tailor-made support, for financing that's perfectly adapted to your situation as a cross-border commuter.
What is the interest rate for a cross-border loan?
The interest rate applied to your loan depends on your financial profile, income level, and the loan term. Lica works with several Swiss institutions to select the offer best suited to your cross-border situation. This tailored approach ensures you receive stable financing with clear, competitive terms – while keeping full control over the total cost of your loan.
How long does it take to get my cross-border loan?
After signing the contract, the funds are transferred to your account once the legal 14-day period has passed. With Lica, the process remains fast and smooth: the application is completed online in just a few minutes, processing starts immediately, and approval comes without unnecessary delay. You quickly access the capital you need to finance personal projects, make a purchase, or consolidate loans – with personalised support at every stage.
Can I repay my cross-border loan early?
Yes. In Switzerland, legislation allows you to repay a loan at any time, either partially or in full, without fees or penalties (LCC). This freedom helps you reduce remaining interest and lower the total cost of your financing. You retain all the benefits of your loan while enjoying maximum flexibility in managing your finances. At Lica, we encourage this flexibility to ensure your loan always fits your pace and needs.
Are there any fees for my cross-border loan?
No. Lica charges no application or setup fees for your cross-border loan. Our model is based on full transparency: we are paid directly by our partner banks, ensuring you receive neutral, professional support with no additional costs. This gives you access to a secure, competitive loan – with no hidden surprises.
What documents are required for a cross-border loan?
To submit a loan application, only a few documents are required. Typically, you’ll need a copy of your ID, your last three Swiss payslips, and proof of residence in your home country. Depending on your profile, some banks may also request additional documents, such as a bank statement or proof of employment. In all cases, Lica supports you every step of the way to make the application process simple, fast, and stress-free.
Are the interest payments on my cross-border loan tax-deductible?
Yes. In Switzerland, the interest paid on a cross-border loan can be deducted from your taxable income, under certain conditions. This deduction helps reduce your annual tax burden and optimise your financial management. With Lica, you not only benefit from financing tailored to your cross-border situation but also from clear guidance on how to take advantage of the tax benefits linked to your loan.
With a trusted partner for your cross-border loan
Working with Lica means receiving human, expert, and fully confidential support. That’s why we assign you a dedicated advisor from the very beginning. You benefit from personalised guidance, quick handling, and clear follow-up at every stage. From the first contact to contract signing, we remain discreet and efficient. In short, you enjoy tailor-made support from start to finish.
Manuel Ognissanti
“My goal is to simplify your journey! I support you at every step with transparent and independent advice. This way, you move forward with peace of mind, confident you’ve made the right choice.”