Loan consolidation
Easy online debt consolidation loan!
MONTHLY PAYMENT FROM CHF 0.00
Combine all your loans with our debt consolidation loan solution and immediately reduce your monthly payments. By bringing together your loans, leasing agreements or credit cards into a single financing plan, you save money every month.
Advantages of debt consolidation loans in Switzerland
Choosing a debt consolidation loan in Switzerland with Lica means benefiting from a simple, fast, and flexible solution to combine all your loans. Thanks to our banking partners, we negotiate highly advantageous conditions to lower your monthly payments and ease your budget.
Debt consolidation loan without delay
Your debt consolidation loan request is processed immediately so you receive a clear and quick response.
You make savings
Choose the amount and the term and benefit from a unique reduction on your financing costs in Switzerland.
Security and confidentiality
All your information is protected: your debt consolidation loan request is 100% secure and confidential.
Customer satisfaction at 99%
With a satisfaction rate of 99%, our clients confirm the reliability and tangible benefits of our solution.
Ease your finances!
Give your budget new momentum with a debt consolidation loan from Lica
A debt consolidation loan is a simple and flexible solution that allows you to combine all your loans into one. This way, you simplify your payments, reduce your monthly instalments, and improve your financial balance.
In addition, this solution gives you the freedom to choose the amount, the term, and your monthly payments according to your needs. You adjust each parameter to your situation and enjoy a better-controlled budget every month. This way, you anticipate your expenses and manage your finances with greater peace of mind.
With Lica, every step of your application is simple, fast, and completely confidential. This way, you benefit from advantageous conditions, priority processing, and one of the most competitive financing solutions in Switzerland. Complete your debt consolidation loan without delay!
A solution that gives you more
Debt consolidation loan in a few figures
The debt consolidation loan in 3 steps!
With Lica, consolidating your loans in Switzerland is simple and transparent. Our clear process ensures not only a reduced monthly payment and tailored financing but also personalised support at every stage.
I
Complete your online application
Simply fill out our secure form and upload your required documents online. Your debt consolidation loan request is without obligation and gives you access to a personalised offer with the best conditions.
II
Receive the best offer
Our experts analyse the offers from Switzerland’s leading institutions to find the most competitive debt consolidation loan solution. This way, you benefit from tailored financing and real savings every month.
III
Complete your debt consolidation
Once approved, your debt consolidation loan is carried out without delay: your previous loans are combined, leaving you with just one monthly payment. You gain clarity, comfort, and financial freedom, with Lica’s continuous support.
Testimonials that inspire confidence
They choose us for their debt consolidation loan
Clients who trust us highlight the simplicity, efficiency, and quality of our support. By consolidating their loans, they have reduced their monthly payments and planned their projects with greater freedom.
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 about debt consolidation loans in Switzerland
Before starting a loan consolidation, take a moment to read our FAQ. You’ll find clear answers to the most common questions to better understand the advantages of this solution and optimise your budget.
What is a debt consolidation loan?
A debt consolidation loan is a financial solution that allows you to combine all your loans into one, often with a lower monthly payment. By grouping your commitments, you simplify payment management and regain a more stable budget. Ideal for reducing expenses or achieving new projects in Switzerland, loan consolidation offers a balance between simplicity and savings.
Who can apply for a debt consolidation loan?
A debt consolidation loan is available to any adult living in Switzerland or a neighbouring country with a stable income. At Lica, you can easily submit your request online: our experts analyse your situation, select the best offers on the market, and negotiate favourable conditions for you. Even if your profile doesn’t fit the usual criteria, we do everything possible to help you lower your payments and regain financial balance.
What amounts can I include in a debt consolidation loan?
In Switzerland, a debt consolidation loan allows you to combine existing loans ranging from CHF 3'000.- to CHF 400'000.-. Lica supports you in defining the ideal amount based on your goals and budget. Whether you want to consolidate a single loan or merge several commitments, you benefit from a personalised offer that lowers your costs and gives you better control over your finances.
What is the interest rate for a debt consolidation loan?
The interest rate applied to a debt consolidation loan depends on several factors: your financial situation, the amount consolidated, and the term of the new loan. Lica negotiates the best market conditions on your behalf. The result: optimised financing, reduced interest, and a lighter monthly payment to better manage your budget.
How long does it take to receive my funds?
Once the contract is signed, the loan consolidation is completed after the Swiss legal period of 14 working days. Thanks to Lica’s digital process, your request is handled without delay: you combine your loans quickly and benefit from an almost immediate reduction in monthly payments. A simple and effective solution to ease your finances without wasting time.
Is it possible to repay before the due date?
Absolutely. According to the Swiss Consumer Credit Act (LCC), you can repay your debt consolidation loan in part or in full at any time, without additional fees. This allows you to pay less interest and shorten the duration of your commitment. An extra level of financial freedom for those who want to reduce their expenses more quickly.
Do I have to pay any processing fees?
No. With Lica, applying for a debt consolidation loan involves no processing fees or additional charges. Our services are free, as our compensation is provided by our partner financial institutions. You therefore benefit from personalised support and advantageous conditions, without paying anything extra.
What documents are required for a debt consolidation loan?
A loan consolidation request requires few documents: an identity card, the last three salary slips, proof of residence, and statements for the loans to be consolidated. However, some institutions may request additional documents. Lica supports you throughout the process to gather the right documents and ensure a simple, fast, and hassle-free procedure.
Are the interest payments tax-deductible?
Absolutely. In Switzerland, legislation allows the tax deduction of interest related to a debt consolidation loan. This means you can deduct these amounts from your taxable income and reduce your annual tax burden. With Lica, you combine monthly savings and tax optimisation for more advantageous financial management.
With a trusted advisor for your debt consolidation 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.”