Renovation loan
Projects? Our renovation loan!
MONTHLY PAYMENT FROM CHF 0.00
Easily finance your home improvements with a renovation loan in Switzerland. Whether you want to enhance your interior, carry out repairs, or increase your property’s value, Lica offers you a simple and personalised solution.
A renovation loan designed for all your projects
With Lica, make your renovation projects a reality with complete peace of mind, thanks to a flexible and advantageous renovation loan. Our expertise and partner network ensure fast, transparent financing perfectly suited to your needs.
Tailored financing for you
Choose freely the amount, duration, and instalments of your renovation loan, according to your projects and your budget.
Fast processing of your application
Your renovation loan application is given priority so you can start your renovations without delay.
Security and confidentiality
With Lica, your data is protected, and the management of your renovation loan is handled with full respect for your privacy.
Thousands of fully satisfied clients
99% of our clients trust us for the reliability, transparency, and simplicity of our renovation loan solutions.
Renovate with peace of mind!
The ideal renovation loan to bring your projects to life
The renovation loan is a simple and flexible way to make your renovation ideas a reality. It allows you to quickly obtain the funds needed to improve or modernise your home, whether for small updates or large-scale projects.
This type of financing gives you the freedom to choose the amount, duration, and monthly instalments. You can adjust each element to match your budget and priorities, helping you plan expenses, control costs, and move forward with confidence.
That’s why Lica simplifies every step of your application. We make your renovation loan simple, fast, and completely confidential. You benefit from attractive rates, immediate processing, and professional support recognised throughout Switzerland.
Expertise recognised across Switzerland
Your renovation loan in figures
Your renovation loan in three quick steps
With Lica, your renovation loan is handled without stress or unnecessary paperwork. Quickly access financing tailored to your renovation projects. Apply for your loan online and receive your money fast.
I
Submit your online application
Complete our online form in just a few minutes. Your renovation loan application is simple, fast, and without obligation. Avoid unnecessary paperwork and save time to focus on your project.
II
Receive the best offer
Our experts compare offers from our financial partners on your behalf. This way, you get the most favourable terms for your renovation loan, with financing perfectly tailored to your renovation projects.
III
Start your renovations without delay
As soon as your application is approved, the funds are transferred directly to your account. You can start your renovation work right away, with personalised support from Lica throughout the entire process.
Satisfied clients with successful projects
They chose Lica for their renovation loan
Our clients are the best showcase of our expertise. Many share their satisfaction after financing their renovation projects with Lica. They highlight the transparency of our advice, the responsiveness of our team, and the simplicity of our process, from application to transfer of funds.
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 renovation loan in Switzerland
Thinking about renovating your home with a renovation loan? This FAQ helps you understand everything clearly and make the right decision before submitting your application with full confidence.
What is a renovation loan?
A renovation loan is a simple and flexible financing solution designed specifically for your home improvement or renovation projects. It allows you to quickly obtain the funds you need to carry out your work without delay. Whether you want to modernise your home, enhance your comfort, or increase your property’s value, this loan adapts to your needs. With Lica, you benefit from a tailor-made financing solution that can be adjusted to your budget and goals.
Who can apply for a renovation loan in Switzerland?
Any adult can apply for a renovation loan, provided they reside in Switzerland or a neighbouring country. A stable income is also required to ensure the feasibility of the financing. At Lica, we guide you through the preparation of your application to maximise your chances of approval. We compare the best offers available on the Swiss market for you. Even if your profile has specific circumstances, our advisors always strive to find the most suitable solution to help you carry out your renovation projects with peace of mind.
What amounts can I borrow with a renovation loan?
In Switzerland, a renovation loan allows you to borrow between CHF 3'000.- and CHF 400'000.-, depending on the size of your project. With Lica, you can freely choose the amount that best suits your renovation needs. This way, you keep control of your budget while enjoying favourable terms. Whether you’re financing small improvements or a complete home transformation, we compare the best offers for you. In addition, our specialists guide you through every step to ensure secure and perfectly tailored financing.
What is the interest rate for a renovation loan?
The interest rate for a renovation loan depends on several factors, including your financial situation and the chosen financial institution. With Lica, you benefit from negotiated conditions among the most competitive on the market. We compare offers on your behalf to guarantee you an attractive and transparent rate. This helps you reduce the overall cost of your financing and keep your monthly payments under control. Each comparison increases your chances of obtaining a competitive renovation loan perfectly suited to your budget and renovation goals.
How long does it take to receive my funds?
Once your application has been approved and the contract signed, your renovation loan is quickly transferred to your bank account. In Switzerland, the legal waiting period is 14 working days, but with Lica, everything is done to speed up the process. Your online application only takes a few minutes to complete, and our experts handle the rest. You receive your funds without unnecessary delays and can start your renovations as soon as possible.
Can I repay my renovation loan early?
Yes. In Switzerland, the Federal Consumer Credit Act (LCC) allows you to repay your renovation loan at any time, either partially or in full, without any additional fees. This gives you great flexibility in managing your budget and your projects. This right also allows you to reduce the total cost of your financing. An early repayment directly decreases the remaining interest, helping you save money while maintaining complete financial freedom.
Are there any processing fees for a renovation loan?
No. At Lica, your renovation loan is completely free of processing or application fees. The application is entirely free from start to finish — with no hidden costs or surprises. Our transparency policy ensures a clear and honest experience: we are compensated directly by our partner banks. This means you benefit from a full professional service at no extra cost. This transparency allows you to move forward with your renovation project confidently and stress-free.
What documents are required to obtain a renovation loan?
To apply for a renovation loan, only a few documents are required. You simply need to provide a copy of your ID, your last three payslips, and proof of residence. Depending on your profile or the lending institution, additional documents may be requested. In such cases, Lica assists you in preparing your complete file. Thanks to this personalised support, your application remains simple, clear, and quick to complete.
Is credit interest tax-deductible?
Yes. In Switzerland, the interest paid on a renovation loan can be deducted from your taxable income. This helps reduce your annual tax burden while financing your renovation projects. Thanks to this deduction, you benefit from a double advantage: flexible financing and real tax optimisation. With Lica, you make the most of this benefit, in full compliance with current regulations and with professional support at every stage.
With a trusted advisor for your renovation 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.”