FINANCING

Loans, financing and credit in Switzerland

The personal loan at 3%*, all insurance included.

Q: Can I get a loan even if I have several debts?

Yes, absolutely. With our dedicated debt consolidation solution, we look at combining your existing commitments into one significantly lighter monthly payment. It is a concrete, proven way to protect you from over-indebtedness, negotiated at the best rate on the market, discreetly and professionally.

Q: How much can I borrow, and for how long?

From CHF 5'000 to 500'000, repayable over 6 to 120 months (10 years). Our calculator estimates your monthly payment: at 3%* over 48 months, a loan of CHF 20'000 costs about CHF 443 a month.

Q: Are there any arrangement fees?

No, no arrangement fees. Assessing your request is free and non-binding, and the 3%* rate includes all insurance: illness, accident, unemployment, disability and death.

Q: How quickly will I get an answer?

You receive a decision in principle within 24 hours. Our advisers can be reached directly on 022 364 62 13 and 079 897 58 14.

Q: Where is your office?

Our office is in Gland (VD), Chemin de la Perroude 2F, between Nyon and Rolle. We support private individuals across La Côte, from Geneva to Lausanne, and throughout Switzerland.

The best financing solution at the best price. Personal loan, private loan or debt consolidation in Switzerland: get CHF 5'000 to 500'000 over 6 to 120 months, with a guaranteed answer within 24 hours and no arrangement fees.

Fast process within 24h

No arrangement fees

All insurance included

Complete Swiss confidentiality

Advisers available: 022 364 62 13 · 079 897 58 14

Interactive loan calculator

Fixed rate 3%*

Amount required

20'000 CHF

Min: CHF 5'000 Max: CHF 500'000

Repayment term

48 months

6 months 120 months (10 years)

Estimated monthly payment

443 CHF / month

Guaranteed fixed rate

3.00%*

Insurance

100% included

Estimated total cost

21'264 CHF

Apply for this loan of CHF 20'000

* See general terms and conditions. Indicative, non-binding simulation. Answer within 24h.

Granting credit is prohibited if it leads to the consumer's over-indebtedness (Art. 3 UCA).

Established in Switzerland for over 4 decades

Your trusted partner in Gland for 40 years.

"The best financing solution at the best price."

For private individuals in Switzerland looking for a loan or debt consolidation, Services & Conseils brings proven rigour. We negotiate the best rate on the market, discreetly and professionally, to secure you a transparent agreement with no hidden costs.

From our office in Gland, we support private individuals across La Côte (Nyon, Rolle, Morges), in Geneva, in Lausanne and throughout Switzerland.

40+

Years of experience

Stability & banking expertise

3%*

Fixed interest rate

All insurance included

24h

Decision in principle

Fast and free of charge

Swiss commitment

Discretion, speed & respect for your privacy

Our 7 financing options

Our loan solutions in Switzerland.

Every project calls for tailored financial engineering. Discover our 7 types of loan from CHF 5'000 to 500'000 at the best rate on the market.

Priority solution

Debt consolidation

An effective solution against over-indebtedness. If you have several debts or loans running, we combine them into a single, lighter monthly payment at a fixed rate of 3%*, giving your monthly budget room to breathe, in complete discretion.

Debt consolidation A single, lower monthly payment Protection against over-indebtedness

Assess my debt consolidation Answer within 24h

Car/motorbike loan

Finance your new or used vehicle at a preferential fixed rate of 3%*, with no deposit required.

CHF 5'000 to 500'000 Calculate →

Leasing

A flexible financing solution for your equipment or vehicles that preserves your cash flow with controlled monthly payments.

Term of 6 to 120 months Calculate →

Property loan

Become a homeowner or finance improvements to your land in Switzerland at the best rate on the market, supported by our experts.

Up to CHF 500'000 Calculate →

Home furnishing loan

To furnish your home, buy furniture or household appliances: transparent financing with no arrangement fees.

Fast process Calculate →

Renovation loan

Modernise your home, improve its energy efficiency or carry out extension work on preferential terms.

3%* rate included Calculate →

Freedom for your project

Personal loan: CHF 5'000 to 500'000

The versatile personal loan for all your life projects in Switzerland: studies, travel, unexpected cash needs or personal purchases. Funds paid out quickly, with no restrictive proof of use.

Guaranteed answer within 24h Apply for a personal loan

Why choose us

Our advantages.

Fast, simple and advantageous. Firm commitments at the heart of our practice for 40 years, serving private individuals in Switzerland.

3%*

Interest rate of 3%*

All insurance included: full cover in case of illness, accident, unemployment, disability and death.

Zero hidden costs

24h

Fast process

Decision in principle within 24 hours and no arrangement fees. Your application is handled straight away.

No arrangement fees

500k

CHF 5'000 to 500'000

Term of 6 to 120 months. Amounts and repayment schedules sized to your real means.

Maximum flexibility

100%

Complete confidentiality

At the best rate on the market, discreetly and professionally. Your personal data remains strictly protected.

Banking discretion

Frequently asked questions

Everything you need to know before applying.

Clear, direct answers without jargon, so you can approach your financing or debt consolidation with peace of mind.

Not sure whether you are eligible?

Our advisers can be reached on 022 364 62 13.

What interest rate do you offer for my loan?

We offer a fixed rate of 3%*. This rate includes all required insurance: full cover in case of illness, accident, unemployment, disability and death. What's more, there are no arrangement fees.

What types of loan does Services & Conseils offer?

We cover every financing need in Switzerland with 7 specialised options:

Car/motorbike loan: for any new or used vehicle.
Leasing: a flexible option to preserve your cash.
Property loan: purchase and improvements.
Home furnishing loan: equipment and home comfort.
Renovation loan: works and energy upgrades.
Personal loan: free-use loan from CHF 5'000 to 500'000.
Debt consolidation: restructuring and combining debts.

Can I get a loan even if I have several debts?

Yes, absolutely. With our dedicated debt consolidation solution, we look at combining your existing commitments into one significantly lighter monthly payment. It is a concrete, proven way to protect you from over-indebtedness, negotiated at the best rate on the market, discreetly and professionally.

How do I get a personal loan in Switzerland?

Fill in the online request or call us on 022 364 62 13. We assess your situation free of charge and give you a decision in principle within 24 hours, with no arrangement fees and no obligation.

How much can I borrow, and for how long?

From CHF 5'000 to 500'000, repayable over 6 to 120 months (10 years). Our calculator estimates your monthly payment: at 3%* over 48 months, a loan of CHF 20'000 costs about CHF 443 a month.

Are there any arrangement fees?

No, no arrangement fees. Assessing your request is free and non-binding, and the 3%* rate includes all insurance: illness, accident, unemployment, disability and death.

How quickly will I get an answer?

You receive a decision in principle within 24 hours. Our advisers can be reached directly on 022 364 62 13 and 079 897 58 14.

Where is your office?

Our office is in Gland (VD), Chemin de la Perroude 2F, between Nyon and Rolle. We support private individuals across La Côte, from Geneva to Lausanne, and throughout Switzerland.

Your financing, fast

Need a loan? Answer within 24h.

Fast, simple and advantageous. Fill in this indicative request or contact one of our advisers in Gland directly.

Amount required (CHF)

Type of loan

Full name

Phone

Details of your situation (optional)

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