Fixed 2% APR · LCC compliant

Swiss Debt Consolidation

Consolidate all your loans into one, reduce your monthly payments and breathe easier. A single fixed rate of 2%, LCC compliant, one monthly instalment, simplified management.

Consolidate my loans Calculate my savings

Simplify your budget

One loan, less pressure

Debt consolidation lets you combine several loans into one. The result: a reduced monthly payment, a single more advantageous rate and considerably simplified financial management, in full compliance with LCC (RS 221.214.1).

  • All loan types consolidatable: consumer, car, home works, personal
  • Single fixed rate of 2% · transparent and clear, LCC compliant
  • Monthly payment reduced by up to -50% depending on your situation
  • CHF 3,000 to CHF 800,000
  • Term up to 360 months for an optimised monthly payment
  • Early repayment, no fee (LCC Art. 17)
  • Free analysis of your situation by our experts
Debt consolidation
2.0%
Single fixed annual rate
CHF 3,000
Min. amount
CHF 800,000
Max. amount
12 months
Min. term
360 months
Max. term
Representative example CHF 20,000 over 48 months — CHF 433.21/month
Fixed rate 2% — Total due: CHF 20,794.08

Concrete example

Before / After consolidation

Here is an example of what debt consolidation can achieve for a Swiss household with several outstanding loans.

Before consolidation
💳 Consumer creditCHF 320/mo
🚗 Car loanCHF 185/mo
🔨 Home works loanCHF 145/mo
Monthly totalCHF 650/mo

3 different creditors, 3 payment dates, variable and high rates.

→
Consolidation
After consolidation
CHF 260/mo
1 single instalment — fixed 2% rate
Saving: CHF 390/month

1 single creditor, 1 monthly payment, fixed rate guaranteed for life.

Indicative example. Actual conditions depend on your file. A loan is a commitment that must be repaid. Check your repayment capacity.

Consolidatable loans

Which loans can be consolidated?

CréditPro accepts the consolidation of the majority of loan types, in accordance with the Swiss LCC (RS 221.214.1).

💳

Consumer credit

All your unsecured consumer credits and credit card debts can be included in the consolidation.

🚗

Car loan

Whether your vehicle is paid off or still being financed, your car loan can be included in the consolidation.

🔨

Home works loan

Loans earmarked for renovation or improvement of your Swiss home are fully consolidatable.

👤

Personal loan

Your free-use personal loans, whatever their original purpose, fall within the scope of consolidation.

Estimate your savings

Calculate your new monthly payment

Enter the total amount of your outstanding loans and the desired term to estimate your new monthly payment after consolidation.

Debt consolidation simulator

Instant estimate — indicative result

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New monthly payment
—
Total interest
—
Total amount due

Indicative simulation. Fixed annual rate 2.0%. LCC compliant (RS 221.214.1). A loan is a commitment that must be repaid. Subject to file acceptance and creditworthiness verification (ZEK/CRIF).

Clear process

How does debt consolidation work?

Inventory of your loans

List all your outstanding loans with their remaining balances. Our adviser helps you identify them and assess the potential benefit of consolidation.

Personalised offer within 24h

After analysing your file and verifying ZEK / CRIF, we submit a consolidation offer with a single fixed rate of 2% and a reduced monthly payment.

Repayment and simplification

CréditPro repays your previous creditors directly. You manage only one monthly payment — reduced and predictable.

Key figures

-41%
Average monthly payment reduction
2%
Guaranteed fixed annual rate
24h
Response time
CHF 0
File analysis fee

Verified testimonials

What our clients say

★★★★★

"I had 4 different loans and my monthly payments were weighing me down. CréditPro consolidated everything in under 2 weeks. My instalment went from CHF 780 to CHF 420. A real relief."

Frank R.
Geneva GE · CHF 48,000 consolidated
✓ Verified review
★★★★★

"I didn't think debt consolidation was possible at such a competitive rate. CréditPro explained everything clearly, fixed 2% guaranteed for the whole contract. Highly recommended."

Claire B.
Lausanne VD · CHF 35,000 consolidated
✓ Verified review
★★★★★

"Fast, professional and transparent. I had 3 outstanding loans. Now I have one at 2% fixed. My budget is finally breathable. Thank you CréditPro for this excellent service."

Mark S.
Bern BE · CHF 27,000 consolidated
✓ Verified review

Frequently asked questions

FAQ — Debt Consolidation

Debt consolidation is generally beneficial when you have several high-rate loans and wish to reduce your monthly payments. Our advisers analyse your situation for free to confirm whether the operation is beneficial in your case, in accordance with Swiss LCC.
Yes, the 2% rate is a fixed annual rate guaranteed for the entire duration of your consolidation contract, per the LCC (RS 221.214.1). Your monthly payments will never change — neither in the event of market rate rises, nor for any other reason.
After receiving your complete file, we provide a response within 24 business hours. The full process, including repayment of your previous creditors, generally takes between 7 and 15 business days.
In Switzerland, LCC Art. 17 caps early repayment charges and guarantees the right to early repayment. CréditPro integrates the analysis of these charges into the simulation to provide you with a transparent and complete financial overview before you commit.
Yes, it is possible to include an additional cash envelope in your consolidation to finance a new project. This additional cash benefits from the same fixed 2% rate — so you can consolidate your debts and finance a new project in a single operation.

Ready to simplify your finances?

Free analysis, fixed 2% APR, response in 24h. Consolidate your loans online now.

Consolidate my loans Calculate my savings