More and more people in Switzerland are looking for credit without a credit check. But what exactly does that mean - and does it even exist in our country? In this article, I explain exactly what the term means, how realistic it is in Switzerland and where the pitfalls can lie.
What do I mean by "credit without a credit check"?
When we talk about "credit without a credit check", many people mean a loan that is not checked by the ZEK, Schufa or your financial situation in general. In practice, this means that you can borrow money without your previous solvency or debts being checked.
But in Switzerland it's not that easy. Most reputable lenders always carry out a credit check if they want to are legally obliged to do so - to protect you and them.
Is there really credit without a credit check in Switzerland?
In short: No, not in the classical sense.
In Switzerland, every legal credit provider checks mini creditworthiness - for example via ZEK cancellations. This is part of the Consumer Credit Act (KKG), which protects consumers from over-indebtedness.
Anyone who promises that I can get a loan without a check is often rusiös (with high fees or advance fraud) or talks about a pledge loan or personal loan without a bank.
What are the alternatives?
If your credit rating is not optimal, you still have a few options in Switzerland:
🧾 Personal loan with flexible verification
A few lenders make more flexible assessments (e.g. Cembra, Bank-now), especially if you have a stable job or can offer security.
👫 Private to private - credit platforms
There are platforms like Lend.ch or cashiers who lend private money to others. The scrutiny is perhaps less strict, but it still exists.
💰 Pawn credit
You give something as collateral (e.g. watch, jewellery) and ask for a loan - without a credit check. But this only makes sense for small amounts.
🌐 Crowdfunding or crowdlending
This can be an idea, especially for larger projects (e.g. self-employment). Checks are still carried out, but not as rigorously as with banks.
How do I recognise dubious providers?
Watch out when:
- Advance payment is required
- No imprint or contact details available isch
- The website is too good to be true ("Instant money without any verification!")
- Pressure is exerted on you
Tip: Always check whether the provider has a licence (e.g. from FINMA or is in the register of intermediaries).
Credit without a credit check in Switzerland - realistic goal or utopia?
A loan without any checks is not legally available in Switzerland. But with more flexible alternatives such as personal loan platforms or pawn loans, you can still get money - without your bad credit rating ruining everything.
Always keep in mind: If it sounds too good, it usually is too good. Check serious providers, but explain openly how things are going.
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