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!

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 MANUEL..
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.
Flaco VerdeFlaco Verde
17:15 19 Jan 23
Many thanks to Mara for her help and efficiency.
Eugenie KouassiEugenie Kouassi
16:27 18 Nov 22
Yes I am very satisfied with Manuel, humanely available, explains clearly with professionalism, very courteous on the phone, I recommend Lica ++++++ and many thanks to Manuel!
Oberlin MichaelOberlin Michael
16:58 01 Nov 22
She really was me, she's the only one who believed in me, I find her just incredible
vincent morelvincent morel
13:14 24 Oct 22
Mara Garcia I recommend her for the credits
jaffyx leejaffyx lee
11:09 21 Oct 22
Very responsive and available
Ferreira AlbertoFerreira Alberto
08:16 09 Sep 22
Many thanks to Lica and especially to François Guss. Your efforts do not go unnoticed. Thanks for your help and support. You are truly an asset to your team and to the entire organization. Your work ethic and your involvement are admirable, we are lucky to have someone as dedicated as you on board!
Cecilia de JongCecilia de Jong
08:57 15 Jul 22
The person of my answer is very professional, efficient, reliable, diligent, updates my requests at all times, I am very grateful to Omar Gourgel, who always takes good care of my file, Bravo it is magnificent and excellent! Cheer! The employer should be proud of him, applaud and promote him please 👍🏻👍🏻👍🏻👍🏻
Thelight33 WorldThelight33 World
15:14 13 Jul 22
I was very satisfied with the services of Mr. Omar Gourgel, I highly recommend him! 👍
luigi caldarolaluigi caldarola
10:22 29 Jun 22
Perfect service Perfect consultant manual. Punctual, meticulous, helpful, everything went well and thank you again for the service
Nuno AlvesNuno Alves
13:12 01 Feb 22
Very easy to apply for your loan. The advisor very helpful and always there to explain what you need to do. Recommend.
bjlno familybjlno family
22:54 10 Dec 21
We obtained our financing on very advantageous terms and in record time. Despite a refusal from another bank, Lica found us a great solution. We recommend the services of this company. Thank you for your work.
Bastien HenriBastien Henri
13:22 12 Jun 20
Very good service and a real novelty in terms of financing. Thanks to the cashback the conditions are excellent!
22:24 10 Jun 20
Great service and very responsive to find the right solution. We gladly recommend their services.
19:52 20 May 20
Great service and very interesting cashback following the conclusion of my loan. I pay less each month and got the best deal on the market.

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Cosimo Tassone
Cosimo 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 MANUEL..
Ricardo Da Silva
Ricardo Da Silva
08:25 31 Aug 23
Fast, no problem.
Ricardo Ribeiro
Ricardo Ribeiro
08:19 31 Aug 23
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