How to optimize your budget to obtain a consumer credit: practical guide

Consumer credit

Are you looking to optimize your budget to obtain a significant consumer credit? You are in the right place ! First of all, why is it important to optimize your budget to obtain consumer credit? Well, sound financial management can mean the difference between a private credit application approved and one application denied. Additionally, a well-managed budget can help you secure more favorable loan terms. Here are some tips to help you prepare your budget in order to obtain consumer credit.


  1. Understand how your finances work
  2. Establish a budget before obtaining credit
  3. Reduce all unnecessary expenses
  4. Increase your income
  5. Manage your existing private loans
  6. 3 tips to increase your consumer credit
  7. Our conclusion

Understand how your finances work

Do you wonder where your money goes each month? Before being able to optimize your budget, you must first understand your spending habits. Take a close look at your bank statements, bills, and general expenses to determine where you spend the most.

Establish a budget before obtaining a consumer credit

After understanding your spending habits, it's time to set a budget. This will help you track your spending and identify areas where you can save. To do this, subtract your monthly expenses from your monthly income. The result is the amount you can devote to saving and repaying your consumer credit. To make your budget, we recommend that you use a excel table that you will find on the internet.

Reduce all unnecessary expenses

To maximize your ability to repay consumer credit, consider reducing your unnecessary expenses. This may mean giving up some luxuries, like dining out or subscriptions to services you rarely use. With some reduced expenses you will therefore be more comfortable repaying your private loan.

Increase your income

Consumer credit

If reducing expenses isn't enough, it may be necessary to increase your income. This can be achieved through part-time employment, a side hustle, or by investing in opportunities that can generate passive income. All secondary sources of income will allow you to increase your ability to repay your consumer credit.

Besides, if you want to easily maximize your income and benefit from an interesting financial opportunity, becoming a client indicator for Lica is a wise choice. Join our indicator program today and start generating additional income by recommending Lica to those around you. Register now and discover the financial potential that awaits you

Manage your existing private loans

If you have existing debts, it is crucial to manage them effectively before taking out new consumer credit. It can mean renegotiate the terms of your loan current or consolidate your debts to reduce interest rates.

This is where Lica can help you. As a private credit expert in Switzerland, Lica offers services that can help you reduce the monthly payments of your existing loans. Whether it's leasing, your credit cards or consumer credit, Lica will help you save money on your monthly payments. With years of experience and a dedicated team of financial professionals, Lica is the partner of choice for all your credit needs.

3 immediate tips to quickly increase your consumer credit budget

Consumer credit

1. You can lower your health insurance premium

A reduction in your health insurance premiums will directly increase your ability to obtain private credit. Here are 4 ways to save your insurance premium costs:

Increase the deductible: Choosing a deductible higher than the minimum of CHF 300.- will directly help you reduce insurance premiums.

Choose a different insurance model : Alternative insurance models, such as the family doctor, HMO, Telmed or PrimaPharma models, can provide significant savings on premiums.

Avoid double accident insurance: If the employer covers the accident insurance, the accident cover of the LAMal is not necessary.

Compare the premiums of different insurers : By comparing the premiums offered by insurers, you can easily save money while maintaining the same service.

2. A drop in rent will also increase your consumer credit budget

When the reference mortgage rate decreases, as a tenant, you are entitled to request a reduction in your rent. You should know that all the rent increases you experience during the term of the lease are not necessarily justified. This is why it is essential to check them. Evaluate the change in your rent since you signed the rental agreement. The details needed for this assessment can be found on your lease agreement.

After doing this calculation, if a drop is detected, you can download a preformatted letter to send to your landlord by registered mail. If the rent increase indicated does not correspond to the one you have calculated, it is recommended that you contact your local service to initiate the required procedures with the conciliation authority.

3. Reduce your transport costs

Your transport costs directly impact your budget in calculating your capacity to obtain consumer credit. Here are some ways to reduce your transportation expenses:

Carpooling : Carpooling is a great way to split transportation costs. You can organize carpooling with colleagues, friends or use dedicated apps.

Public transport: Public transport can be a cheaper option, especially if you live in an urban area with a good network. Additionally, many public transport systems offer season tickets or discounts for frequent travel.

Walk, bike or scooter: For short distances, walking, cycling or scootering can be a viable option. Not only do you save money, but you also benefit from regular physical exercise.

Telework : If possible, negotiate telecommuting days with your employer. This will not only save you freight cost, but also save time.

Our conclusion on how to optimize your budget to obtain consumer credit

In conclusion, optimizing your budget is an essential process that can improve your financial situation and increase your eligibility for consumer credit. By taking the time to understand your finances, establishing a realistic budget, reducing unnecessary expenses, increasing your income, and effectively managing your existing debts, you can lay the foundation for strong financial health. So it will be much easier to obtain private credit that will perfectly meet your needs.

Lica, your trusted private credit expert in Switzerland, is here to support you throughout this process. Our dedicated team is ready to help you optimize your budget, manage your debt effectively and obtain the consumer credit that meets your needs. We believe in your ability to achieve your financial goals and we're here to support you every step of the way.

Do you have questions before applying for private credit? Our advisors are there to answer your questions 7 days a week directly on WhatsApp. Ask us for more information and we will be happy to answer you!

Ricardo AndreRicardo Andre
12:55 24 Apr 24
Despo DimitriouDespo Dimitriou
12:43 23 Apr 24
Omar Gourgel is a very competent and intelligent person. He is eager to help and find the best solution. Thank you for your efforts in helping me with my financing.
Claudia CostaClaudia Costa
12:28 23 Apr 24
Rui AmaroRui Amaro
03:26 23 Apr 24
Rui FariaRui Faria
17:15 20 Apr 24
Available and committed, I thank Mr Ognissanti again for his professionalism.
Arthur EstevesArthur Esteves
14:56 16 Apr 24
My experience was 5 stars. The person who handled my case was Ms. Mara Garcia. An excellent professional, very friendly and always available to answer all my questions. He handled the whole process in the best way possible. Everything was 5 stars.
Cergiogomes GomesCergiogomes Gomes
10:30 03 Apr 24
Hello, hello, look at you, Mr. Omar, he is at the top, very hardworking, attentive, very professional, responsible, I loved working with Mr. Omar, congratulations, call to have a colleague like that.
Haileab BehreHaileab Behre
00:40 02 Apr 24
Patricia DeMichelePatricia DeMichele
09:41 28 Mar 24
Mr. Manuel Ognissanti gave us 360 degree advice. Very competent and professional. It deserves more than 5 stars. Thanks to him, we got the credit.
Andrea DeianaAndrea Deiana
03:46 28 Mar 24
Mr. Ognissanti Manuel, with his professionalism and competence, was able to guide and advise me in the best possible way. It deserves more than 5 stars!
Véronique TeroscVéronique Terosc
16:29 27 Feb 24
Very good experience. She is very professional.
Arthur MoreiraArthur Moreira
13:51 21 Feb 24
Marta FerreiraMarta Ferreira
14:47 20 Feb 24
Jedidia AndrianarivonyJedidia Andrianarivony
13:49 20 Feb 24
It's impeccable
Anderson ZomerAnderson Zomer
12:08 15 Feb 24
Really satisfied with Oman! Very professional, clear and fast! THANKS
Houda KacemHouda Kacem
13:33 09 Feb 24
Andreas HerzigAndreas Herzig
19:58 05 Feb 24
Leonora NrecajLeonora Nrecaj
16:52 03 Feb 24
I can highly recommend the advice of Mirlinda Ahmeti at Lica. She is reliable, acts quickly and finds solutions. I am very satisfied with her. ??
Exceptional professionalism from Ms. Mara Garcia and her entire team. I recommend.
Eliane RibeiroEliane Ribeiro
11:33 30 Jan 24
I would like to share my positive opinion on the services of Lica Crédit. Their professional team was efficient in processing my credit application, with competitive interest rates and flexible repayment terms. I highly recommend your services.
Giuseppe Di CarmineGiuseppe Di Carmine
13:39 26 Jan 24
Manuel is a kind and very competent person. Someone who knows how to do his job and who doesn't give up. I really recommend him.
Matteo D'ArpinoMatteo D'Arpino
19:57 18 Jan 24
Rosario D'alessandroRosario D'alessandro
10:38 18 Jan 24
Manuel is a good guy
14:23 11 Jan 24
Always try until we find a solution for the customer
Marta CabralMarta Cabral
15:57 09 Jan 24
Filipa DiasFilipa Dias
14:05 05 Jan 24
Dovile TDovile T
13:22 03 Jan 24
Thank you Manuel for the professional assistance, fast and efficient feedback!
Lurdes CunhaLurdes Cunha
13:26 07 Dec 23
I would like to thank Mr. Omar Gourgel, because he was very professional, excellent advisor and efficient in his work. My husband (Mr. Artur Da Silva Cunha) and I are extremely satisfied and recommend your services.
Zeinab RkainZeinab Rkain
13:34 29 Nov 23
Nilsa TeixeiraNilsa Teixeira
17:02 16 Nov 23
The consultant Mara Garcia, in addition to being friendly, is a good professional. She is very good at what she does...
Pedro RamiaoPedro Ramiao
16:45 16 Nov 23
Ana BelloAna Bello
11:16 16 Nov 23
Mr. Omar was very professional and very attentive to my need to obtain the ceedito
Alberto FloresAlberto Flores
15:48 07 Nov 23
Hello gentlemen from LicaOf course I am satisfied with your attention, especially that of Mr. Omar Grougel, everything was a pleasant conversation with the advice to carry out this project, thank you very much for everything…Thank you Mr. Omar G
Fadil KamishiFadil Kamishi
20:44 03 Nov 23
Greetings Mr Manuel you are n1 congratulations I am very happy with the work you do for us thank you very much.
Václav PalarčíkVáclav Palarčík
18:59 03 Nov 23
Thank you very much Mrs. Mirlinda Ahmeti, she helped me a lot and always answered my questions immediately, she is the right woman, thank you.
My EmailMy Email
15:58 02 Nov 23
My experience with Miss Mirlinda Ahmeti from Lica was very helpful, she represented me very well with the lender and in the end I got the financial assistance without any problem. Regards C.W.
Renata HlaváčkováRenata Hlaváčková
14:21 02 Nov 23
I am very satisfied and Mrs. Ahmeti is very professional.Thank you very much Renata
Bekim ShalaBekim Shala
11:46 02 Nov 23
Consultant Mirlinda immediately understood my needs as a client and worked hard to achieve a positive outcome to my requests. Polite, efficient, precise, professionally competent and very empathetic personally. I highly recommend Mirlinda Ahmet
Václav PalarčíkVáclav Palarčík
10:02 27 Oct 23
Helder FilipeHelder Filipe
11:52 25 Oct 23
joao pintojoao pinto
10:08 23 Oct 23
Jules UddinJules Uddin
10:16 16 Oct 23
05:13 13 Oct 23
Marcelo FerreiraMarcelo Ferreira
11:34 12 Oct 23
Excellent professional Mara Garcia
Salvatore Lo GiudiceSalvatore Lo Giudice
11:20 12 Oct 23
Manuel N^1 was very precise, a true professional.
Angela CoelhoAngela Coelho
09:39 09 Oct 23
Christian FarinaChristian Farina
09:20 09 Oct 23
It was a pleasure! Very pleasant business partner!
juan alcaldejuan alcalde
06:36 04 Oct 23
always gives solutions
Luis GarciaLuis Garcia
16:50 03 Oct 23
Paolo ChieffoPaolo Chieffo
17:17 28 Sep 23
Kimberly BallamanKimberly Ballaman
16:18 26 Sep 23
He was able to answer all our questions and help us with our request.
Nadia DeBarrosNadia DeBarros
13:13 21 Sep 23
Renaldo GjoziRenaldo Gjozi
09:18 20 Sep 23
Joaquim AzevedoJoaquim Azevedo
17:15 15 Sep 23
Antonio SimoneAntonio Simone
11:31 15 Sep 23
Thanks to Mr. Manuel a very competent person in his work thank you very much
Roberto LabanoRoberto Labano
13:24 14 Sep 23
Je voudrais dire que Mara Garcia a été excellente pour résoudre ma demande. Du début jusqu'à la fin. Je recommande à 100%. Merci Mara 🙂
Ricardo RibeiroRicardo Ribeiro
06:49 14 Sep 23
Mara Garcia took care of my order. Super friendly, attentive and always available to help. In this branch of the best I have found.
Cosimo TassoneCosimo Tassone
14:44 31 Aug 23
The consultant Manuel Ognissanti is a very good guy in his work and available, thanks to his knowledge I managed to obtain the credit. I recommend it to everyone ..?? THANK YOU MANUAL..
Ricardo Da SilvaRicardo Da Silva
08:25 31 Aug 23
Fast, no problem.
Ricardo RibeiroRicardo Ribeiro
08:19 31 Aug 23
Francesco CrisafulliFrancesco Crisafulli
11:59 30 Aug 23
available and practical! what you need in these situations.informed
12:48 19 Aug 23
False advertising. Inability to obtain a loan. Consultant offering me no solution, except to manage on my own...I strongly advise against it and that's a shame.
Melitta CostantinoMelitta Costantino
11:06 08 Jun 23
Impeccable efficiency. From A to ZFast, clear, efficient and serious
Dave MartinsDave Martins
15:51 03 Tue 23
Mrs. Garcia, with whom I had contact from start to finish, was great, attentive and very professional, it should be noted because in this area it is very rare. I got my fat credit fast from them. I can only recommend
Rachel PittetRachel Pittet
12:33 02 Tue 23
Very satisfied, a good solution has been found. Thank you very much for your work
Rui P.SantosRui P.Santos
14:08 31 Jan 23
Excellent service, very good customer support all along the way. A real pleasure to have found them. Mara did everything to help me find a solution. Thank you
Danny FernandoDanny Fernando
14:37 25 Jan 23
Company that really gives of itself for these customers and that really tries to find solutions. Friendly service, support during all stages. Real pros. I highly recommend. Many thanks to Ms. Garcia for her professionalism and efficiency.

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Ricardo Andre
Ricardo Andre
12:55 24 Apr 24
Despo Dimitriou
Despo Dimitriou
12:43 23 Apr 24
Omar Gourgel is a very competent and intelligent person. He is eager to help and find the best solution. Thank you for your efforts in helping me with my financing.
Claudia Costa
Claudia Costa
12:28 23 Apr 24
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