Personal loan
Your personal loan request!
MONTHLY PAYMENT FROM CHF 0.00
Get a personal loan in Switzerland quickly, tailored to your needs. Whether you're financing a project, facing an unexpected expense or simply treating yourself, Lica provides a customised solution.
The benefits of your personal loan with Lica
Choosing a personal loan in Switzerland with Lica means securing simple, fast, and tailored financing. With our experience and banking partners, we offer you the best conditions on the market – with full transparency.
An immediate approval
Your personal loan request is processed quickly so you get a response without delay.
Flexible financing options
For greater flexibility, freely choose the amount, term, and monthly payments of your personal loan.
100% confidential and secure
With Lica, your information remains protected and your process is completely confidential.
99% of our satisfied customers
Our clients’ trust reflects the quality and reliability of our financing solutions.
Set yourself free!
Bring your projects to life with your personal loan from Lica
A personal loan remains a simple and flexible solution. It allows you to quickly access the funds you need for your projects. This way, you can finance your desires – big or small.
In addition, this type of loan lets you freely choose the amount, term, and monthly payments. You can tailor each aspect to fit your budget. As a result, you can plan for expenses in advance and manage your finances more effectively. With a personal loan, you move forward without delay.
That’s why Lica simplifies every step of your application. We make the process easy, fast, and completely confidential. You also benefit from attractive rates and immediate support. This way, you’re backed by a trusted and recognised partner in Switzerland.
Expertise that makes all the difference
Your personal loan in numbers
Your personal loan made simple in three steps
With Lica, getting a personal loan in Switzerland is quick and hassle-free. Our clear and efficient process gives you fast access to financing tailored to your needs.
I
Complete the online application
Complete our online form easily in just a few minutes. This way, you avoid any complicated procedures. Plus, your request is non-binding, so you can move forward with peace of mind.
II
Get the best offer
We analyse and compare offers from leading Swiss banks on your behalf. This gives you fast access to the most attractive conditions. As a result, you get a personal loan perfectly tailored to your needs.
III
Make the most of your personal loan
Once your financing is approved, the funds are paid directly into your bank account. This means you can bring your projects to fruition quickly and with complete peace of mind. What's more, Lica is at your side to help your credit grow over time.
Reviews that reflect our commitment
They chose Lica for their personal loan
The best proof of the quality of our services comes from our clients. Those who trust Lica regularly share their experience with our team, highlighting the speed of the process and the professional support provided at every stage of the personal loan journey.
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 ✨
The FAQ about the personal loan in Switzerland
Still unsure about applying for a personal loan? This FAQ gathers the most common questions from our clients to help guide you.
What is a personal loan?
A personal loan is a simple and flexible consumer credit solution. It gives you the freedom to fund your projects immediately, with fast access to the funds you need—whatever your goal may be. Whether it’s for an unexpected expense, a purchase, or improving your comfort, this loan is ideal. With Lica, you benefit from tailored financing. Our solutions are designed to fit your personal situation and financial goals.
Who can apply for a personal loan in Switzerland?
Any adult can apply for a personal loan. You simply need to live in Switzerland or a neighbouring country. A regular income is also required to access financing. At Lica, we support you throughout the application process. We maximise your chances of approval by comparing the best offers on the market. Even if your profile has a few imperfections, our experts always work to find the best solution. This way, you can carry out your projects with greater peace of mind.
What loan amounts can I request with a personal loan?
In Switzerland, a personal loan allows you to borrow between CHF 3'000.- and CHF 400'000.-. With Lica, you can freely choose the amount that fits your needs. This way, you always stay in control of your budget. Whether you're financing a small project or a larger expense, we compare the best offers for you. As a result, you get the ideal amount without increasing your monthly payments. Our experts also guide you through every step of your application.
What is the interest rate for a personal loan?
The interest rate varies according to your profile and the bank that agrees to finance you. With Lica, you have access to preferential conditions. We negotiate attractive rates for you. As a result, you reduce the total cost of your financing and benefit from competitive credit. What's more, each comparison increases your chances of saving on your monthly payments. As a result, you optimize your budget while retaining an advantageous financing solution.
How long does it take to receive the funds?
Once your application is approved and the contract is signed, the funds are transferred to your bank account. In Switzerland, the legal waiting period is 14 business days. With Lica, the process is simple and fast. You complete your online application in just two minutes, and we immediately take over the rest. This means you access your money without unnecessary delays and carry out your projects faster and with total peace of mind.
Can I repay my personal loan early?
Yes. In Switzerland, the Federal Consumer Credit Act (LCC) authorizes you to repay your credit at any time. You can do so in full or in part, at no extra cost. This gives you unique flexibility in managing your finances. What's more, this right allows you to reduce the cost of your financing. Early repayment directly reduces the remaining interest. As a result, you make significant savings while retaining total management freedom.
Do I have to pay an application fee to obtain my credit?
No. With Lica, your credit application is completely free. You pay no hidden fees at any stage of the process. That's because we always work transparently. Our remuneration comes directly from our banking partners. So you benefit from professional support at no extra cost. What's more, this approach guarantees you peace of mind and confidence. You can move forward with your project in the knowledge that every step is clear, with no surprises.
What documents are required to apply for a loan?
To apply for a personal loan, all you need to provide are a few documents. These usually consist of a copy of your identity card, your last three pay slips and proof of address. However, some banks may require additional documents. If this is the case, we'll help you to assemble each necessary document quickly. With Lica, we guide you every step of the way. So putting together your application is quick, simple and straightforward.
Can I deduct the interest on my tax return?
In Switzerland, interest paid on a loan is tax-deductible. In other words, you can deduct it from your taxable income. This directly reduces your annual tax burden. What's more, this mechanism enables you to finance your projects while reducing your tax burden. As a result, credit becomes not only a practical financing tool, but also a lever for tax optimization. With Lica, you can benefit from this additional advantage with complete peace of mind.
With a trusted partner for your personal 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.”