Creditworthiness is a financial term used to denote a person’s ability to make payments and repay credit.

Your creditworthiness plays an important role when you apply for loans. Banks only provide loans to customers with adequate creditworthiness and debt capacity. Banks are not normally willing to take the risk of lending money to a person who may not be able to repay the loan.

At some Swiss lenders, the cost of getting a loan may also vary depending on your creditworthiness. The better your creditworthiness, the lower the chance of your defaulting on your debt repayments is, and the less you will have to pay for your loan.

More on this topic:
Comparison of personal loans in Switzerland
Getting a loan in Switzerland: Criteria

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Expert Benjamin Manz
Benjamin Manz is CEO of and an independent expert on banking and finance.