Cross-border financing
Cross-border worker loan made for you!
MONTHLY PAYMENT FROM CHF 0.00
Apply for your loan for cross-border commuters 100% online and bring your personal or family projects to life. Lica supports cross-border commuters 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 worker loan
Choosing a loan for cross-border commuters 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 worker loan approved
We know each bank’s requirements and prepare your file to ensure your loan for cross-border commuters 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 loan for cross-border commuters.
Give your projects a boost!
Achieve your personal goals with a loan for cross-border commuters
The loan for cross-border commuters 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 commuters
The loan for cross-border commuters summed up in figures
Cross-border worker loan
in 3 steps!
With Lica, the loan for cross-border commuters 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 loan for cross-border commuters
Our advisors assess your financial profile and negotiate with multiple partners to secure the best possible terms for you. Your loan for cross-border commuters 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 loan for cross-border commuters
Our clients share their positive experience with Lica: responsive service, attentive support, and fast, hassle-free financing. Thanks to the loan for cross-border commuters, they were able to realise their personal projects with human and professional guidance every step of the way.
Thanks to her, my financing was secured quickly and under the best possible terms. I am delighted and can only recommend Lica to anyone looking for a reliable, efficient, and personable partner for their projects.
Thanks again, you're the best!
Thank you very much.
Thank you, Lica
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 worker loan in Switzerland
Have questions before applying for your loan for cross-border commuters? We’ve got the answers. Discover the key information to move forward confidently with a clear, flexible loan designed for cross-border commuters in Switzerland.
What is a loan for cross-border commuters and who is it for?
This type of financing is designed for cross-border commuters 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 loan for cross-border commuters?
The loan for cross-border commuters 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 loan for cross-border commuters?
With a loan for cross-border commuters, 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 loan for cross-border commuters?
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 loan for cross-border commuters?
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 loan for cross-border commuters early?
Yes. In Switzerland, legislation allows you to repay a loan at any time, either partially or in full, without fees or penalties (CCA). 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 loan for cross-border commuters?
No. Lica charges no application or setup fees for your loan for cross-border commuters. 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 loan for cross-border commuters?
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 loan for cross-border commuters tax-deductible?
Yes. In Switzerland, the interest paid on a loan for cross-border commuters 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.
Legal information: for a personal loan of CHF 10,000 over a period of 12 months, the effective annual interest rate ranges between 4.5% and 10%, corresponding to a total interest amount between CHF 246 and CHF 550. Conditions: loan duration between 12 and 120 months, maximum effective annual interest rate of 10%. Legal notice: the granting of a loan is prohibited if it leads to the consumer’s over-indebtedness (Art. 3 LCD).
With a trusted partner for your loan for cross-border commuters
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.”
