Migros Bank Personal Loan Online

Online subscription at Migros Bank mandatory for the more favorable interest rate.
Condition: No debt collection statement with significant entries, no open debt collection (up to 3 paid debt collection cases).

New contracts, increases in existing credits, repayment of existing loans.

Swiss citizenship or foreigners with a valid permit B or C. Permit B: more than 2 years living in Switzerland.

Persons must be fit for work. Employment must be permanent and not under notice of termination and must have existed for more than 3 months (monthly salary) or 6 months (hourly salary).
Credit is not granted to self-employed persons, temporary employees or employees in the probationary period.
Regular income from employment (place of work in Switzerland or the Principality of Liechtenstein).

Authenticated copy of ID (for foreigners: certified copy of the foreigner's identity card and copy of the passport / identity card of the home country), original salary statement for the last three months (monthly salary) or six months (hourly salary), original extract from the debt collection register for at least the last two years, original final statement including payment slip for the loans to be repaid.

A fee of at least 1.50 Swiss francs per minute applies to consultation over the telephone!

Personal loan of bank of retailer company Migros.

The "physical" offline loan with advisory services can be more expensive.
It is possible to take out insurance for a fee.
In the event of total disability, the outstanding debt will be covered up to CHF 100,000.