Education loan
Your future, our education loan!
MONTHLY PAYMENT FROM CHF 0.00
Apply online for your education loan to fund your studies, continuing education, or a new career. With Lica, you benefit from a simple process and competitive rates in Switzerland.
The advantages of the education loan
By choosing an education loan with Lica, you benefit from a clear, fast, and fully online process. Our banking partners offer competitive rates and personalized support to help you succeed in your education project.
Invest today in your future
Finance your studies or career change with an education loan and develop your skills to build your future.
Flexibility of the education loan
Set the amount, term, and monthly payments freely for a financing solution truly suited to your situation.
Confidentiality of your application
Your data is protected and handled with the utmost discretion. At Lica, every loan request is safe and secure.
Customer satisfaction at 99%
Our clients value the simplicity and speed of our service. With Lica, your education loan process becomes easy and stress-free.
Bring your ambitions to life!
Achieve your study or career change goals with an education loan
The education loan is a simple and flexible way to quickly obtain the funds you need for your learning or professional development journey. This allows you to invest in your career future while maintaining financial stability.
This type of financing gives you total freedom: choose the amount, duration, and monthly payments according to your needs. You can plan your expenses, progress at your own pace, and reach your goals without financial pressure.
With Lica, every step of your application is smooth, fast, and confidential. You benefit from attractive conditions, personalized guidance, and the expertise of our trusted team for your education. A modern financing solution to build your professional future today.
A solution that develops your potential
The education loan in key figures
Your education loan in 3 steps
At Lica, the education loan is designed to be fast and hassle-free. Our clear process ensures a personalized financing solution, ideal for your studies or career change.
I
Complete your application
Fill out our form in just a few minutes to get your education loan. Upload your documents directly online, with no obligation, and easily access affordable financing for your studies or career change.
II
Receive your loan offer
We compare offers from leading Swiss banks to find the most favourable conditions for your education loan. This way, you benefit from financing perfectly suited to your study or career-change goals.
III
Get your funds quickly
Once approved, your education loan is transferred to your account. You’ll then have the funds you need to finance your studies or career change with complete peace of mind. Lica stays by your side to adjust your financing according to your needs.
Reviews that highlight our difference
They choose Lica for their education loan
Those who trust us value the simplicity of the process, the responsiveness of our advisors, and the quality of our personalised support. Their experience proves that with Lica, getting an education loan means investing in your future with complete peace of mind.
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 ✨
Your education loan explained simply
Still unsure about applying for an education loan? This FAQ answers the most common questions to help you make the right choice.
What is an education loan?
An education loan is a personal loan designed to finance your studies, continuing education, or career change. It allows you to quickly obtain the funds you need to achieve your goals, while keeping full flexibility on the amount, duration, and monthly payments. A tailored solution to invest in your future with peace of mind.
Who can apply for an education loan in Switzerland?
Any adult residing in Switzerland or a neighbouring country can apply for an education loan. You simply need to have a regular income. With Lica, you can easily prepare your application, and we compare the best offers for you. Even if your situation is unique, our experts will find the most suitable solution to finance your education or career change.
What amounts can I borrow with an education loan?
In Switzerland, an education loan allows you to borrow between CHF 3'000.- and CHF 400'000.-, depending on your situation and needs. With Lica, you can choose the ideal amount to finance your studies, continuing education, or career change. You benefit from a favourable offer perfectly tailored to your budget.
What is the interest rate for an education loan?
The interest rate depends on your profile and the partner bank providing the financing. Lica negotiates preferential and fully transparent conditions on your behalf. This way, you reduce the overall cost of your education loan while benefiting from personalised support to finance your studies or career change at the best rate.
How long does it take to receive the funds?
After signing the contract, the funds from your education loan are transferred to your bank account once the legal 14-business-day period in Switzerland has passed. With Lica, everything is simple and fast: online application in 2 minutes, instant review, and quick payment after approval. You receive your financing without unnecessary delays, ready to support your studies or career change.
Can I repay my financing early?
Yes. The Swiss Federal Consumer Credit Act (LCC) allows you to repay your education loan, in part or in full, at any time and without additional fees. This helps you reduce the remaining interest and save money. Early repayment is therefore a simple and beneficial way to better manage your budget.
Are there any processing fees to pay?
No. At Lica, your education loan application is completely free and comes with no hidden fees. We work with full transparency, and our compensation comes exclusively from our partner banks. This way, you benefit from professional support and advantageous financing, without any additional cost.
What documents are needed to obtain my education loan?
To apply for a student loan, only a few documents are required. Generally, these include a copy of your ID, your last three payslips, and proof of residence. However, some banks may request additional documents. In such cases, Lica assists you in gathering them easily. Every step is guided to ensure your application process remains simple, clear, and fast.
Are the interest payments tax-deductible?
Yes. In Switzerland, the interest paid on an education loan is tax-deductible. You can deduct it from your taxable income, which directly reduces your annual tax burden. This way, you finance your studies or career change while optimising your taxes — an advantageous solution on every level.
With a trusted partner for your education 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.”