The complete guide to private credit for Swiss cross-border commuters

private credit for Swiss cross-border commuters

Private credit is an option for Swiss commuters looking to borrow money to finance various projects, such as the purchase of a car, renovations, or restructuring various debts. However, it is important to fully understand the different options available and the requirements needed to obtain private credit as a Swiss cross-border commuter. In this guide, we'll explore everything you need to know about private credit for Swiss commuters.


  1. What is a private loan for Swiss cross-border commuters
  2. The advantages and disadvantages of private credit for cross-border commuters
  3. Criteria for obtaining private credit as a cross-border worker
  4. Private credit conditions for Swiss cross-border commuters with Lica
  5. How to compare private credit offers
  6. How to apply for private credit as a cross-border worker
  7. How to improve your chances of obtaining private credit
  8. How to repay your private loan as a Swiss cross-border commuter
  9. The consequences of non-repayment of a private loan
  10. Mistakes to avoid when looking for private credit
  11. Our conclusion on private credit for Swiss cross-border commuters

What is a private loan for Swiss cross-border workers?

A private credit for Swiss cross-border workers is a loan granted to cross-border workers working in Switzerland but residing in a neighboring country. It can be used freely to finance personal projects such as buying a car, renovating a house, or any other financing need. In fact, a private loan for Swiss cross-border commuters works exactly like private credit for a Swiss resident.

However, Swiss cross-border commuters may encounter difficulties in obtaining a loan from Swiss banks due to their status as foreign residents. Indeed, Swiss banks may be more reluctant to lend money to these workers because of the risks associated with the difference in legislation between the countries of residence and work.

The advantages and disadvantages of a private loan for Swiss cross-border workers

private credit for Swiss cross-border commuters

Private credit offers several advantages for Swiss commuters, including flexibility, speed and convenience. Private loans are generally easy to obtain and do not require collateral, which means that the application process is often easier and faster than traditional mortgages. Additionally, private loans can be used to fund a variety of personal projects, providing great flexibility for borrowers.

However, there are also disadvantages to consider. Interest rates on private loans are higher than those on mortgages, which means that the total cost of the loan may be higher. Also, some private loans for commuters may have stricter repayment terms, which may make repayment more difficult for some borrowers.

The criteria for obtaining your financing

To obtain private credit as a Swiss cross-border worker, there are several criteria to be met. First of all, you must of course be of legal age and have a job in Switzerland. In addition, borrowers must generally have a stable and sufficient income to repay the private credit requested. Here are the criteria required to obtain a private loan for Swiss cross-border workers:

  1. Benefit from a stable income from a job in Switzerland
  2. Be in possession of a G permit as a cross-border commuter for at least 36 months
  3. Have your domicile in a neighboring country (at the borders) with Switzerland

In addition, it is unfortunately not possible to take advantage of private credit, if you are prohibited banking in your country of residence.

Cross-border workers – Your loan conditions with Lica

Lica offers private credit solutions advantageous for Swiss cross-border commuters with some of the lowest monthly payments on the market. Workers residing in the following countries can benefit from our solutions:

RateFrom 3.9% up to 7.9% according to your personal information
Rising From CHF 3,000.- up to CHF 250,000.-
DurationFrom 6 to 120 months
FlexibilityPossibility to suspend the payment of your monthly payments
ProtectionPayment insurance in the event of illness, accident, unemployment or death

How to compare the offers?

Before choosing a lender, it is important to compare the private credit offers available. Indeed, borrowers should always review the proposed interest rates and repayment terms! Thus, by requesting Lica services you save time and money. Your private credit specialist will compare and analyze financing solutions for you. This, taking into account your situation and your objectives. With Lica you benefit from a totally personalized advice and validated by 100% of our customers:

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.
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 response is very professional, efficient, reliable, diligent, updates my requests at any time, I am very grateful to Omar Gourgel, who always takes good care of my file, Bravo it's magnificent and excellent! Well done! 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!

How to apply for financing online?

To apply for private credit as a Swiss cross-border commuter, borrowers must provide information about their financial situation, their employment and their expenses. Borrowers must also provide information on the desired loan amount and the desired repayment term. It is important to provide accurate and complete information to avoid any refusal of the request. Here are the usual documents that you will be asked to obtain your private credit for Swiss cross-border commuters:

  • Your G license (valid and signed)
  • Your last 3 payslips
  • The bank notices of your account in Switzerland over the last 3 months
  • Bank advice from your bank in the country of residence over the last 3 months
  • Your last electricity bill

Depending on your situation, your Lica credit counselor may also ask you for some additional information. This, with the aim of maximize your chances of obtaining private credit for Swiss cross-border commuters.

How to improve your chances of obtaining financing?

cross-border private credit

To improve your chances of obtaining private credit as a Swiss cross-border commuter, it is important to maintain a good credit history by repaying your debts on time and avoiding late payments. Borrowers can also improve their chances by providing complete and accurate information about their financial situation and choosing a reliable and reputable credit broker.

How to repay your financing if you are a cross-border commuter?

Borrowers can repay their private credit as a Swiss cross-border commuter by making monthly payments on the due date. It is important to respect the repayment conditions of the lender to avoid any additional costs or negative consequences. Also note that with Lica, it is always possible to repay your private credit early and at no cost!

The consequences of non-reimbursement

The non-repayment of a private loan as a Swiss cross-border worker can have serious consequences. Lenders may apply late fees or penalties for missed payments, and may also report the default to credit reporting agencies, which may negatively affect your credit history as a borrower. In addition, the lender may incur debt collection procedure to recover unpaid funds.

Mistakes to avoid when looking for private credit for Swiss cross-border commuters

Cross-border private credit trap

When looking for private credit for Swiss cross-border commuters, it is important to avoid certain mistakes. Borrowers should avoid rushing to the first available loan offer without doing thorough research. It is also important not to borrow more than is necessary and to check the terms of your loan agreement.

Moreover, the system in Switzerland absolutely does not favor the fact of solicit several lending institutions at the same time. Indeed, when applying for credit in Switzerland, this must be indicated in the central ZEK file. It is a Swiss information center that collects credit information from the credit activities of natural and legal persons. Each request is therefore listed in this central and in case of repeated refusal, you may not be able to obtain private credit for cross-border commuters for a long time.

Our conclusion on private credit for Swiss cross-border commuters

In conclusion, private credit for cross-border commuters can offer a convenient and flexible financing option for people looking to finance personal projects. However, it is important to understand eligibility criteria and repayment terms before applying. Prospective borrowers should also seek the services of a specialized credit broker to find the most competitive loan offers and negotiate more favorable repayment terms.

It is also important to note that each request for private credit for cross-border workers is unique and that the eligibility criteria may vary according to the lenders.

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!

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Arthur Moreira
Arthur Moreira
13:51 21 Feb 24
Marta Ferreira
Marta Ferreira
14:47 20 Feb 24
Jedidia Andrianarivony
Jedidia Andrianarivony
13:49 20 Feb 24
It's impeccable
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