{"id":22625,"date":"2025-01-20T17:00:00","date_gmt":"2025-01-20T15:00:00","guid":{"rendered":"https:\/\/lica.ch\/?p=22625"},"modified":"2026-06-09T21:35:13","modified_gmt":"2026-06-09T20:35:13","slug":"personal-loan-benefits-with-lica-credit","status":"publish","type":"post","link":"https:\/\/www.lica.ch\/en\/credit-personnel\/emprunt-prive-quels-sont-vos-avantages-avec-lica-credit\/","title":{"rendered":"Discover the benefits of taking out a personal loan with Lica!"},"content":{"rendered":"

Taking out a personal loan can be a great way to get the funds you need for your projects fast! In this article, we'll discuss the benefits of taking out a personal loan with Lica and the types of personal loans we offer. We'll also discuss interest rates and repayment terms for personal loans in Switzerland<\/a>. Enjoy your reading!<\/p>\n\n\n\n

The advantages of a personal loan<\/h2>\n\n\n\n

A personal loan in Switzerland can offer a number of advantages, including:<\/p>\n\n\n\n

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  1. Attractive interest rates:<\/strong> Interest rates on personal loans in Switzerland can be very attractive. They are regulated<\/a> by the Consumer Credit Act, which limits interest rates and charges. <\/li>\n\n\n\n
  2. Flexible repayment terms:<\/strong> Lending institutions in Switzerland can offer flexible repayment terms. In the event of unforeseen financial circumstances, for example, it is possible to defer monthly payments.<\/li>\n\n\n\n
  3. A fast approval process:<\/strong> Lending institutions in Switzerland can usually approve a personal loan application in less than 24 hours. In fact, underwriting processes are simplified and allow for a rapid decision.<\/li>\n\n\n\n
  4. Access to large sums of money:<\/strong> Personal loans in Switzerland can vary from CHF 3\u2019000.- to CHF 400\u2019000.-<\/a> and does not require the borrower to provide personal guarantees. Once the personal loan has been obtained, you are free to dispose of the funds as you see fit.<\/li>\n\n\n\n
  5. A high level of confidentiality:<\/strong> Private lenders in Switzerland are subject to strict data protection rules (LPD<\/a>). This guarantees confidentiality in your financial affairs.<\/li>\n<\/ol>\n\n\n\n

    However, it's important to note that a personal loan in Switzerland can also present a risk of overindebtedness. Indeed, given the ease with which you can take out a personal loan, there is a very real risk of not being able to repay it. Before making a decision, it's important to be well advised by a specialist in personal loans<\/a>.<\/p>\n\n\n\n

    Good reasons to choose Lica for your personal loan<\/h2>\n\n\n\n

    Lica is a personal loan intermediation company<\/a> based in Switzerland. We therefore offer personal financing solutions with competitive interest rates. Repayment terms are also flexible. With a personalized approach to each loan request, we find it easier to get you the funds you need. These are the main advantages of using the services of Lica:<\/p>\n\n\n\n

    A personalized approach<\/h3>\n\n\n\n

    At Lica, every situation is unique, and we take the time to get to know your objective. In other words, you're not just another file number! Unlike larger structures, we believe that a personal loan is a long-term solution that requires regular monitoring. In fact, guaranteeing a reasonable and objective debt situation requires professional support<\/a>. <\/p>\n\n\n\n

    A preliminary study of the file <\/h3>\n\n\n\n

    The preliminary study of a personal loan gives you better visibility on your borrowing capacity<\/a> and negotiate the best possible terms for your personal loan. So you can reduce your borrowing risk and optimize your financial management.<\/p>\n\n\n\n

    But that's not all! In Switzerland, when a credit application is submitted to a lender, the latter is obliged to make an announcement to the central credit information office (ZEK<\/a>). If your application is approved, the lender will inform the ZEK that your application has been accepted. On the other hand, if your application for a personal loan is rejected, the lender must also inform the ZEK of the rejection and the reason for it. If a borrower accumulates two or three consecutive refusals, his or her financial project could well fall through. This is mainly due to the traceability of the refusals by future lending institutions. Too many rejections in a row = no chance of obtaining your personal loan! With Lica and its preliminary analysis of your personal loan application, you can avoid unnecessary applications to Central credit information office (ZEK)<\/a>.<\/p>\n\n\n\n

    Attractive terms and conditions<\/h3>\n\n\n\n

    Lica is not a lending institution but a neutral, independent intermediary<\/a> ! In other words, we work on behalf of our customers to find them the best possible solutions. After preparing and studying your file, we negotiate with the institutions to ensure you obtain excellent conditions<\/a> for your personal loan.<\/p>\n\n\n\n

    In our day-to-day business, we have to find the right balance for each applicant between their borrowing capacity, their project and the offers we receive. The greater the risk taken by a lender, the higher the interest rate. Our personal loan experts prepare each application with meticulous care to obtain the best possible score.<\/p>\n\n\n\n

    A cashback under certain conditions<\/h3>\n\n\n\n

    What is cashback? The cashback commission<\/a> is a system whereby part of the broker's commission is passed on to customers. As a result, borrowers benefit from better terms!<\/p>\n\n\n\n

    To qualify for cashback at Lica, you must meet the following three conditions:<\/p>\n\n\n\n

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    1. Apply for credit on your own by choosing the \u00ab\u00a0With cashback<\/a>\"\u00a0<\/li>\n\n\n\n
    2. Submit all documents and supporting evidence requested on the platform<\/li>\n\n\n\n
    3. Do not use the services of our negotiators<\/li>\n<\/ol>\n\n\n\n

      Lica is adopting this financial strategy because digitalization will enable us to reduce our costs considerably by 2023. It therefore seems natural to us to pass on the benefits to our customers<\/a> !<\/p>\n\n\n\n

      Types of personal loans offered by Lica<\/h2>\n\n\n\n

      Lica offers two types of personal loans to meet your needs:<\/p>\n\n\n\n

      Traditional private borrowing :<\/h3>\n\n\n\n

      We offer you personal loans<\/a> in Switzerland to help you realize your personal projects. How it works is simple: you can borrow sums ranging from CHF 3\u2019000 to CHF 400\u2019000, with repayment terms from 6 to 120 months. Interest rates are fixed for the entire term.<\/p>\n\n\n\n

      To obtain a personal loan, all you need to do is complete your online application and provide a few supporting documents. We will then review your application and make a personalized proposal. This is based on your situation and your objectives<\/a>. If you accept the proposal, we will quickly release the funds to your bank account.<\/p>\n\n\n\n

      Repayment is by fixed monthly instalments, with the option of early repayment at no extra cost. We also offer you optional insurance<\/a> to protect you in the event of death, illness or accident.<\/p>\n\n\n\n

      In short, our personal loan service in Switzerland is a flexible and personalized solution for financing your personal projects. Our interest rates are highly competitive, and our application process is quick and easy!<\/p>\n\n\n\n

      Crowdlending:<\/h3>\n\n\n\n

      Our company also offers a private crowdlending solution. This enables individual investors to finance projects undertaken by companies or individuals. The principle of crowdlending is based on pooling the funds invested, thus spreading the risk among several lenders. The investors lend money<\/a> at an interest rate fixed in advance, and recover their investment with interest at maturity. Project developers<\/a>, Our customers benefit from fast, flexible financing, without having to go through traditional bank credit channels.<\/p>\n\n\n\n

      Private crowdfunding offers a number of advantages over traditional financing methods conventional financing methods<\/a>. For investors, it offers the possibility of diversifying their investment portfolio, by investing in a variety of projects at attractive interest rates. For project owners, it enables them to obtain financing on more flexible terms than those offered by banks.<\/p>\n\n\n\n

      By choosing our private crowdlending service, investors can invest in meaningful projects and contribute to financing the real economy. For their part, project owners can obtain rapid financing<\/a> and efficient, without the constraints of traditional credit channels.<\/p>\n\n\n\n

      Conditions for obtaining a personal loan from Lica<\/h2>\n\n\n\n

      When you're looking for a personal loan, it's important to understand the conditions required to obtain one. In general, lending institutions require you to have a stable source of income, a good credit score and a solid credit history. It's also important to know that interest rates for personal loans can vary according to your situation and your financial situation. the way your file<\/a> will be presented.<\/p>\n\n\n\n

      Generally speaking, the following conditions are required to apply for a personal loan:<\/p>\n\n\n\n