Personal loan for pensioners
Pensioner loan
AVS & AI
MONTHLY PAYMENT FROM CHF 0.00
Apply online today for your pensioner loan! This tailor-made solution for AVS and AI beneficiaries lets you enjoy the best financing conditions in Switzerland, easily and hassle-free.
Advantages of the pensioner loan AVS & AI
With Lica, getting a pensioner loan in Switzerland is simple and efficient. Our team supports you from start to finish, offering tailor-made financing perfectly suited to your AVS or AI status, at the most competitive rates.
Pensioner loan with AVS or AI
Some banks do not grant loans to retirees or AI beneficiaries. With Lica, you can easily get your pensioner loan.
Flexible and advantageous conditions
Choose amount, term and payments. Your pensioner loan fits you – no hidden fees, no hassle.
Trusted customer support
Your application is processed quickly and discreetly. Lica ensures the confidentiality of your data and provides you with a prompt response.
Trusted customer support
Over 99% of our clients recommend our service. Lica is your trusted partner to obtain a pensioner loan in Switzerland under the best conditions.
Pensioner loan for AVS and AI beneficiaries
Make your plans happen with a simple and accessible solution!
Bring your plans to life with a flexible and transparent pensioner loan. Designed for retirees or people with disabilities, this financing allows you to achieve your projects despite the restrictions often imposed by traditional banks.
You remain free to define the amount, term and instalments according to your needs. Your pensioner loan fully adapts to your situation and budget, offering attractive rates and total control over your financing plan. With Lica, you stay in control of your finances!
Every step of your application is simple, fast and confidential. Our advisors personally guide you from the simulation to the fund transfer, ensuring a smooth and hassle-free experience. By choosing Lica, you benefit from a modern, human and reliable service specially designed for AVS and AI pensioners in Switzerland.
A solution that makes your daily life easier
The pensioner loan in numbers
The pensioner loan
in three steps
Your pensioner loan in Switzerland becomes easy with Lica. In just a few simple steps, you benefit from tailor-made financing and personalised support throughout your application.
I
Fast online application
Apply easily online for your pensioner loan. Simply fill out the form and submit your supporting documents. This non-binding process gives you quick access to a financing solution designed for AVS and AI pensioners in Switzerland.
II
The best credit solution
Lica selects the best offers from its partners to negotiate the most favourable conditions for you. Your pensioner loan adapts to your situation and ensures attractive rates, with no hidden fees or unpleasant surprises.
III
Receive your funds quickly
Once your application is approved, the funds are quickly transferred to your account. With Lica, your credit request is simple, secure and fully customisable. Our advisors are always available to guide you and adjust your instalments at any time.
Reviews that confirm our expertise
They chose Lica for their pensioner loan
AVS and AI pensioners who trust us highlight the simplicity of the process, the quality of our support and the speed of our responses. In Switzerland, they value Lica’s efficiency in obtaining a pensioner loan perfectly tailored to their situation. Their testimonials prove that with Lica, getting financing is simple and fast.
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 the pensioner loan in Switzerland
Questions about the pensioner loan in Switzerland? Find all the answers here to easily access financing tailored to your AVS or AI status, with clear and advantageous conditions.
What is a pensioner loan?
It is a consumer loan specially designed for AVS or AI beneficiaries in Switzerland. This financing allows pensioners to carry out their projects, whether it’s a major purchase, an unexpected expense, or a temporary need for cash. Simple and fast, the pensioner loan offers the same benefits as a standard personal loan, while being tailored to the financial situation of retirees or people with disabilities.
Who can obtain a pensioner loan in Switzerland?
Anyone receiving an AVS or AI pension can apply for a loan in Switzerland. Lica assists each client in preparing their application and compares the best offers on the market for you. Our advisors carefully assess your situation to offer you tailor-made financing, even in cases with special conditions.
How much can I borrow with a pensioner loan?
In Switzerland, AVS or AI pensioners can borrow between CHF 3'000.- and CHF 250'000.- depending on their financial situation and pension amount. With Lica, you are free to choose the amount that best suits your needs and repayment capacity. Whether you want to finance a personal project or a larger expense, you benefit from flexible financing and attractive conditions.
What is the interest rate for a pensioner loan?
The interest rate applied to a pensioner loan varies depending on your profile, the desired amount and the loan term. Lica compares offers from several institutions to secure the lowest rates for you. You benefit from a loan tailored to your AVS or AI situation, with fair conditions and no hidden fees.
How soon can I receive my pensioner loan?
Once you've signed your contract, the funds for your loan are transferred to your bank account after the legal deadline of 14 working days in Switzerland. With Lica, the process remains fast and transparent: online application in just a few minutes, priority processing and immediate payment upon validation. You receive your funds as quickly as possible, with personalized follow-up throughout the process.
Is it possible to repay my pensioner loan early?
Yes, absolutely. The Swiss Federal Consumer Credit Act (LCC) grants every borrower the right to repay their loan, in part or in full, at any time and without additional fees. By making an early repayment, you directly reduce the remaining interest and the total cost of your financing. This flexibility gives you greater control over your budget and allows you to adapt your loan to your evolving financial situation.
Are there any fees for a loan application?
No, absolutely none. Applying for a loan with Lica is completely free and involves no administrative fees. We are compensated solely by our banking partners, never by our clients. This allows us to provide you with personalised and independent support while ensuring that your financing remains transparent, fair and free of unpleasant surprises.
What documents are required for a pensioner loan?
The process is simple: to apply for a pensioner loan, you generally only need to provide your ID, your AVS or AI pension statements, and proof of residence. Depending on your situation, some financial partners may request additional documents, such as recent bank statements. Lica helps you gather all the necessary paperwork and submit a complete file to ensure a quick and positive response.
Are the interest payments on a pensioner loan tax-deductible?
Yes, absolutely. Borrowers in Switzerland can deduct the interest paid on their loan from their taxable income, in accordance with Swiss tax regulations. This deduction helps reduce your tax burden and ease your annual expenses. In addition to helping you obtain financing suited to your AVS or AI situation, Lica ensures that your application complies with tax rules so you can benefit from all possible advantages.
With a trusted partner for your pensioner 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.”