Payday Loans

Payday loan in Switzerland – deal with difficult financial tasks

Loans can help us to master everyday life and to deal with difficult financial tasks. But if you have a bad position in personal creditworthiness due to unfortunate circumstances, it is not easy to find a loan from a bank in Germany.

Loan does not have to be an impossible matter

Loan does not have to be an impossible matter

But even in such cases, a loan does not have to be an impossible matter, there are serious solutions here. In such a case, for example, a payday loan in Switzerland can offer help. Because with the offers for payday loans in Switzerland, a regular income and a fixed position often count more than various credit reports, which domestic debt cards inform credit institutions upon request.

Loans can be helpful in organizing everyday life

Loans can be helpful in organizing everyday life

There are many occasions where more or less small loans can easily deal with stress and difficult situations. But if you don’t get or want to borrow money from the domestic banks, it is often difficult to get the necessary money for such situations. Then tasks quickly stay put and there can even be real problems. However, it does not always have to be domestic banks from which the lender borrows the money.

It is also possible to borrow money from foreign banks. A more popular example of this option is payday loans in Switzerland. And with such a loan, loan seekers often also have a chance, whose credit rating is not so good, but who, for example, have few obligations and an existing, permanent employment relationship.

Swiss payday loans often weight credit parameters differently

Swiss personal loans often weight credit parameters differently

In the case of a payday loan in Switzerland, the data of the debtor files based in Germany are often less weighted. For this purpose, providers of payday loans in Switzerland usually place more value on an employment relationship that has existed for a certain period of time and on sufficient financial scope, which also enables the loan seeker to repay it in the event of a loan.

When looking for providers for a loan in Switzerland, the internet can offer. There are good sources of information and provider sites here, from which an offer for a loan can also be requested if necessary.


Closing Loan – advantages and rates


Debt-closing loan offers an opportunity to transfer credit and credit card debts at different banks by taking advantage of flexible terms and favorable interest rates. In order to facilitate the payment of ongoing credit and credit card debt payments, you can use the debt settlement loan product under attractive conditions to pay your debts of up to 50,000 dollars. It is sufficient to apply to branches with the necessary documents for loan applications.

Who Can Benefit From Closing Loan?

Who Can Benefit From Closing Loan?

All of the conditions determined for those who can benefit from debt closing loan are intended to ensure that the repayment of the loan can be made in a healthy way. In the loan application to be made to branches, the applicant’s;

  • Having a high credit score,
  • The credit registry is clean,
  • Having life insurance during the loan term,
  • Having a monthly fixed and regular income,
  • Monthly income must be at least 2 times the loan monthly installment amount.

If it meets the conditions, the loan application is approved.

We advise you to read the article on Debt Closing Loan.

What are the application documents of Debt Closure Loan?

What are the application documents of Debt Closure Loan?

The documents required in the debt closing loan application are the documents indicating that the requested conditions have been met and the applicant’s address confirmation. For applications to be made to branches, by the bank;

  • Birth certificate,
  • Certified document showing monthly income,
  • Last 2 months subscription invoice for residence or name

It is requested. If necessary, additional documents can be requested for guarantor or mortgage transactions.

Closing Loan Interest Rates

Closing Loan Interest Rates

Loan closing interest rates start at 1.10%. If the interest rates offered within the campaign are accepted, 1.10% interest rate loan can be used with maturities of up to 24 months.

The interest rate determined for debt closing loan is 1.10% valid for up to 24 months and the interest rate for loans used over 24 months is 1.20%.

Some lenders do levy a penalty for preclosing the loan. However, pre-closure at times does help in lowering the interest rates and debt burden. The banks have different lock-in periods before which one can close the loan.

Why No Credit Is Released In The Clean Registry?

Did you know that banks do not even give credit to people with a clean registry? Your credit score will be very low when you do not make any transactions or spend any other expenses on your account.

There are tricks rather than the documents required to take credit and issue cards from banks. We wanted to elaborate on the reasons for not giving credit to the clean registry.

What Should Be Done When There Is No Record Of Debt To Any Bank And No Delay Or Follow-up?

What Should Be Done When There Is No Record Of Debt To Any Bank And No Delay Or Follow-up?

Although the reasons for the wrong registration are very wide, they are much less common than in the past.

If you are sure that you have not had a problematic credit record in the past if you have noticed that a wrong record has been created regarding the name similarity or debt that is not on your behalf due to various reasons.

You should submit this request to the institution you applied to the loan application for information about the problematic record.

Through a special system called the customer objection assessment system (MİDES), it will inform you as soon as possible by learning the reality of the problem record from the member of the Good Finance Information (GFI), which has opened the record.

Thanks to this system, if it is understood that there is a mistake in the information contained in your record or a problem record belonging to someone else due to the similarity of the name, the correction to be done will be corrected as soon as possible by the Good Finance Information (GFI) member institution that has opened these records for sharing. and your loan application will be reconsidered.

Good Finance Information (GFI) members are not authorized to make any changes or comments on the information they share. Therefore, if there is no wrong registration, it will never be possible to delete your registration from the blacklist.

What Is The Reason For Not Getting A Loan After Closing The Bank Debt?


There is no legal regulation on the subject. Although there is a change in banks’ credit policies in certain periods, the records of which the payment is over and the follow-up process about which is completed are deleted at the end of 5 years.

In a non-paid follow-up, the law of obligations comes into play and there is a 10- year time-out.

However, the fact that you have been deleted from the blacklist (GFI and Good Finance lists) after 5 years does not mean that the banks will give you credit in our new applications. The Bank has the right to give credit by using its own records within the framework of the loan usage policies.

How long is the blacklist timeout period?


Delayed records are reviewed 12 months retrospectively. There is a 5-year period for the records that have been included in the Black List and then the payment has been completed and the debt has ended. The timeout is 10 years for records that have never been paid.

What Should Borrowers Who Entered the Black List in the Past and Fully Paid Their Debt?

First of all, you should establish a deposit relationship instead of a loan relationship with the banks, it helps you to establish a communication with the banks and employees to whom the loan request / will be made. Take care to use the bank’s non-credit products (such as deposit, investment account, automatic bill payment order, etc.).

After the established relations, customers requesting credit should personally request their credit or credit card from the bank, with documents indicating that your past track records have been deleted between 3-6 months.

Never forget that your credit rating will decrease in every query you make from banks to attract credit. Avoid unnecessary queries and keep good with banks.

Making regular purchases and payments by credit card means paying all of the extra credits regularly, adding new points to your name.

Credit to Healthcare Professionals


Credit to Healthcare Professionals, banks give loans to healthcare professionals in obtaining loans more easily. It is one of the main reasons why they have regular income and state guarantees. All citizens want to reach the money in a fast and easy way in terms of obtaining credit, but each bank has different procedures for this.

What are the requirements?

What are the requirements?

Before applying for a loan, of course, it is necessary to know exactly what banks want and how to make the loan easier. A citizen who applies to more than one bank but cannot get a loan can go directly to a single application. The important thing here is how the application is made and the citizens are informed correctly before they are made.

The loan consultancy firm has sufficient knowledge and equipment to get credit to healthcare professionals. and it helps healthcare professionals achieve immediate results with a single application.

Of course, there are certain conditions for us to get credit without any problems, what are these conditions?

  • It is an important issue not to fall under legal and enforcement proceedings by banks in previous periods.
  • One of the first things that banks look at when buying a loan is that loan installments should be at most 50% of your income.

Can Healthcare Staff Get Credits?

Can Healthcare Staff Get Credits?

As stated above, since healthcare professionals have a regular income, they can easily get loans if there has been no legal follow-up and enforcement in the past. Of course, can health personnel who have been pursued legal follow-up and had problems with the banks in the past cannot get credit? of course he can. For this, it is necessary to determine the correct application and amount. We handle these transactions for you and we work hard to get the loan that healthcare professionals need.

Which Banks Lend Healthcare Professionals?

Almost every bank gives loans to healthcare professionals.

What happens if healthcare professionals do not pay their loans on time; Health personnel, like all other citizens, have the same responsibilities in the legal process after taking a loan. If you do not pay the installments of your loan on time, a notification is sent via SMS and e-mail in the first month. If the loan installment is not paid in the next month, 2 installments are not paid consecutively and banks may have to collect the entire loan if they wish, or they may have to initiate enforcement and lien transactions.

How Online Loans Work most used financial alternatives

Online loans have become one of the most used financial alternatives in recent years. And it is not surprising if we think about the facilities they offer to customers and the speed of the concession. They are a very important option to consider for both individuals and companies. However, do you know how they work? At Crediting we explain it to you.

Online loans – financial products that are processed through the internet

Online loans - financial products that are processed through the internet

When we talk about online loans we do it to refer to those financial products that are processed through the internet. Private equity companies and lenders are responsible for offering these loans. Today we have at our disposal a large number of credit platforms that offer us money almost immediately and with fewer restrictions than banks. This has allowed the economy to not crumble during the years that banks stopped offering financing. Online loans have often become one of the most demanded outlets for companies that are in full development.

What to bear in mind when applying for loans online

What to bear in mind when applying for loans online

Getting a loan online can be really easy. But doing it with your head and avoiding getting into debt is something more complex. Precisely the ease of obtaining credit leads many users to request more from the account. For this reason we want to offer you some tips so that applying for loans online becomes a real success. Take note.

Show commitment

Just as we need information as soon as possible in order to verify if we will have access to financing, online platforms also need serious clients. In other words, if you are truly interested, you should be committed and help by providing as much information as possible.

Deliver information effectively

Which brings us to the next point. In general, the basic information requested by this type of lender is very easy to obtain.

  • If you are a company, gather all this documentation to be able to present it as soon as possible. In this way we will demonstrate our seriousness and interest in the loan.
  • In the case of individuals, it is usually necessary to present copies of the DNI, the current account and some documents that show that we have stable income. Either the copy of our contract or our income statement if we are self-employed.

Don’t ask for more money than we really need


Before contacting a credit platform, it is convenient to be clear about the amount of money we need and for what. Any self-respecting financial advisor will always advise you not to ask for more than is necessary. Since you will have to return it together with the interest and other possible expenses (such as commissions). That is, you will spend more to get money in advance. Hence, you must assess your real credit needs. Weigh if you can get the money without going to a loan in a short time. And if not, understand what is the total you need.

Find affordable repayment terms

Find affordable repayment terms

Don’t forget that you will have to have enough money each month to be able to pay the payment fees. And to achieve this we must achieve monthly deadlines that we can face without problems. The repayment term will be directly related to the total that we must pay each month.

Remember that the ideal is that your debts never exceed 40% of your net income. Otherwise you will not be able to pay them and you will end up in debt.

Savings Shopping with Credit Card

The presence of minimarket in Indonesia actually provides positive benefits for people to shop. Minimarkets are created to make it easy for you to shop anywhere and anytime. A clean, organized, and complete shopping location for shopping for daily needs and basic needs at affordable prices, practical and close to your location. Besides being comfortable, the convenience store also makes your wallet safe. Because, minimarkets often present a variety of economical promo prices, discounts to prizes directly just by shopping with a certain nominal.


Annual Fee Free

loan Fee Free

The advantage of a special cobranding credit card shopping is that it is designed with the primary purpose of providing greater frugality than when you pay in cash. For example, the Lite Lenders Cobranding Credit Card which has advantages such as free annual fees. Credit cards are generally burdened with an annual fee, the value of which is determined by the issuing bank. He exclaimed, the Lite Lenders Credit Card offers free annual fees the first year, and the following year, only with an average usage of $500,000 per month. For additional credit card users, you will get an annual fee free forever for 1 additional Lite Lenders credit card.


Direct Prizes Every Month

By making regular purchases at Indomaret using the Lite Lenders Credit Card you will be increasingly spoiled with benefits in the form of Indomaret i-coupons. Only by accumulating purchases using the Indomaret BCA Credit Card at an Indomaret outlet of $500,000, you will get an i-coupon that will be sent via SMS to purchase attractive products the following month.


Super Save Promo Every Day


Whatever method you choose to save on, do it the right way. Start learning to save money in a simple way at the convenience store, check and compare prices before and after promos when shopping. Optimize the use of credit cards that offer a variety of discounts, promo shopping for certain products at more affordable prices.

For example, the Lite Lenders Credit Card offers a variety of “Super Economical” promos, additional Three Day discount promos that apply every Friday, Saturday and Sunday, to Tebus Murah shopping, which is shopping for certain products at special prices every day. Shopping is more happy, moreover you can take advantage of an additional discount of at least 5% that applies every day to purchase Indomaret brand products. Saving on Indomaret is even more fun and easy, just use the Lite Lenders Credit Card.


Expenditure Becomes More Controlled

If at this time you have not been able to manage finances properly, and tend to be wasteful when shopping. Reasons for failing to manage finances are often because of mediocre incomes, monthly expenditures that are greater than the value of monthly income, accumulated debt, or large income but are often tempted to spend needs that are desirable but rarely needed. You must change all those reasons slowly. Cultivate awareness to train yourself to manage your personal finances well and maximize the offer of banking products designed to make it easier for you to shop in an economical way that is fun.

This is one of the reasons for the presence of the Lite Lenders Credit Card that will make you practice independently to arrange your own spending expenses, saving benefits from shopping with discounts, promos, and additional discounts every day. You can also take advantage of the installment shopping feature at the convenience store with low interest and set your own shopping limits. You can even do a shopping evaluation from your credit card transaction history every month.


Low-Cost Shopping with a Lite Lenders Credit Card

money loans

Already know what are the benefits of having a Lite Lenders Credit Card? This credit card will provide a number of positive benefits for your finances. Apply a frugal lifestyle in the modern way of having the right credit card, making optimal use of existing offers, and using them wisely. So what are you waiting for? Immediately have this credit card now!

Conditions That Will Force You to Use Credit Card Transactions

In order to make transactions easier and more efficient, a credit card payment tool as is known today. The existence of this credit card to change one’s lifestyle in the transaction. People who used to often use cash transactions slowly switched to credit cards.

Only with one credit card, then the payment business will be completed in seconds. Every credit card user does not have to bother carrying a lot of cash when he wants to travel. For example, shopping centers, when traveling and so on.

Even so, anyone who has a credit card is not recommended to continuously use it without a good financial system. Because uncontrolled use can be bad for the financial. But if faced with certain situations, you certainly can not refuse to not use a credit card. Then, what are the situations? The following reviews have been summarized Good Finance from various sources.

When the desired item is discounted


Desired goods during this sudden discount? Without thinking, you will definitely buy the item even though the payment method must use a credit card. You consider this discount as luck and luck is not something that should be wasted. At least that’s what is in the mind and mind.

It’s legitimate if you want to use a credit card to enjoy attractive discounts. Just don’t use credit cards as a tool for impulsive shopping. Keep in mind the reasons or motives behind the desire to buy. Do not let the goods purchased are not used and only used as a display.

There is a certain amount of cashback

Who is not tempted by the cashback offered by credit cards? As many as 95% of people seem to be tempted and will be willing to use their credit cards to enjoy this cashback, especially if the amount of cashback can reach hundreds of thousands in one receipt. Just like a discount, cashback is believed to be effective in reducing expenses.

It’s just that the cashback given is limited because there are terms and conditions that apply. So, only certain people can get it. If you are included, it is natural to swipe a credit card even if it is a little heavy-hearted.

Entitled to get a lottery 

Entitled to get a lottery 

The intention to minimize the use of credit cards is likely to fail miserably if the issuing bank holds a lottery for each user who transacts with a credit card. This is reasonable because the prizes of each lottery are usually very attractive, even more, attractive than promos or discounts up to 90% offered by a merchant.

If the bank doesn’t limit the lottery numbers for each user, you will be happy to use as many credit cards as possible to get more lottery numbers. If necessary, you will borrow other family members’ credit cards to increase your chances of winning.

Not allowed to pay in cash

Cash payments are still valid for most stores in Indonesia. But, there are some stores that no longer serve cash payments, but only accept by debit card or credit card. If the debit card machine is damaged, inevitably have to use a credit card to pay for items that have been purchased from the store in question. If not, the item must not be taken home.

It is legitimate if you return the item you want to buy to its original place, but there is a sense of discomfort or shame because people see it. At times like this, credit cards will be very useful. So, always carry a credit card anywhere just in case.

Shopping on foreign websites

For those who like to shop, especially branded goods from abroad, a credit card will definitely be very useful to facilitate payment. Moreover, most websites abroad only provide payment instruments in the form of credit cards and even credit cards with a special logo. If the logo does not comply with the website policy, you are not permitted to complete the purchase. Very unfortunate, right?

Even more unfortunate if you don’t have a credit card at all. Want to borrow from someone else? Certainly shy and a little embarrassed. Logically, your time involving other people to facilitate online shopping activities? It would be better and efficient to use your own credit card.

A mediocre cash amount


One of the risks of paying cash is running out of money in a short time, especially for those of you who like to shop. Try to imagine if the money in the wallet runs out, you will find it difficult to buy an item, including daily necessities.

In the opposite condition, if the transaction is done with a credit card, you do not need to spend any money to buy any goods. This means that the amount of cash held will remain intact. Even if it is reduced, the shortage is not too significant or just buying other necessities of value.

Experiencing emergency matters

When things that are emergency occur, what will you do especially if the emergency requires a sizable cost, for example buying electronics such as laptops or washing machines, medicines and so on? Yes, most people will definitely rely on online loans. However, this loan can not be disbursed just like that but must go through a rather long process.

In this situation, a credit card would be the right choice. With one swipe, the immediate emergency needs that are being faced will be quickly resolved.

Use Credit Cards Wisely

Credit cards don’t always have a negative impact on someone’s finances. In some aspects, a credit card will actually provide the maximum benefit for you.

Provided that with important notes that must be embedded in yourself, namely using a credit card wisely both from shopping needs to obey paying the installments until they are paid off. so that financial conditions will remain safe without having to feel afraid of debt that has not been paid.

Which Bank Can I Get Easy Loans?

Using the online channels of the specified banks, easy loan applications can be made quickly and loans can be withdrawn without the need to go to the bank branch.

Persons asking the question of which bank can I get a loan more easily or can make transactions through any of the above banks.  

Honest Bank Instant Good Credit Features

Honest Bank Instant Good Credit Features

Within the scope of Honest Bank’s easy loan campaign, 30 thousand USD limit loans can be withdrawn. There are no deductions for file costs and account management fees for the loan. The repayments of the loan can be divided into maturities up to 60 months.

It is considered sufficient for people who are not Honest Bank customers to make an appointment to apply for a loan. Bank employees come to the address specified by the appointments and complete their loan application procedures.

For the loan application, only e-government insurance service breakdown and credit rating risk reports are requested. Apart from these documents, it will be sufficient to sign the documents brought by bank officers.

We recommend you to read the article titled Good Credit?



Honest Bank needs to use online banking services to make easy loan applications. Within the scope of the Sean Cole campaign, a credit limit of up to 30 USD can be requested.

A loan allocation fee of 5% of the loan amount is charged. Up to 60 months maturity can be requested for payment of loan installments.

There is no obligation to be a bank customer to apply for Good Credit . Non-bank customers can complete the loan application by signing documents in the courier sent by Honest Bank.

Good Finance Online Easy Loan Application


Online banking services must be used to make GFI easy loan applications . During the credit application, no documents other than identity card and GFI service breakdown are requested. Within the scope of Good Credit, a credit limit of up to 30 thousand USD is opened for use.+6

A maximum of 60 months maturity can be requested for payments of credit installments. During loan usage, there is no deduction of file expense or loan allocation fee. Documents are sent by courier on behalf of non-bank customers and applicants are requested to sign these documents.

GFI Bank E-Credit Features and Application


GFI E-Credit application is made through internet banking or mobile banking applications . The upper limit of e-credit is determined as 50 thousand USD.

A maximum of 60 months’ maturity can be requested for repayments of credit installments. A loan allocation fee deduction of 5% of the loan amount is made.

No documents will be requested for the loan application except for the identity document and GFI service breakdown.

How to Pamper Yourself with a First Credit Card

The increase is in line with the improvement in the economic level of people in Indonesia or an improvement in the provision of wages or the country’s economy which is still well maintained. In fact, in the past, there was a perception that using a credit card made life wasteful because it could not be controlled.

Fortunately, the ease of reaching information that is supported by the sophistication of smartphones/gadgets and the speed of the internet is slowly opening the minds of many people to the positive values ​​of the use of widely-informed credit cards. Indirectly, this information influences to encourage many people to use credit cards.

Satisfying Tongues in the Most Popular Food Outlets

Satisfying Tongues in the Most Popular Food Outlets

For this one thing, on average no one can resist the delicious food. Each to the mall serving food in the pictures displayed never escapes the eye. Not to mention the aroma of food that is being cooked that goes into the nose and makes us tempted.

Then subconsciously makes your stomach growling. The desire was unbearable and be stopped by food outlets to simply satisfy the tongue with the taste of food.

Fortunately for you who have a credit card. There are several offers that can be obtained from the credit card you have. 

Feel the Holiday by Staying at a 3-Star Hotel

The main thing to look for on a vacation is a place to stay such as a hotel. Certainly did not want his vacation to be gloomy because the hotel chosen did not provide the expected comfort. So he didn’t sleep soundly. As a result, a holiday that originally intended to please yourself turned into disappointment just because of the matter of where to stay.

Have a plan for a vacation to Bali, but still looking for a hotel that is right (right in your heart and right in your pocket), now you don’t have to bother anymore. Simply by having a Good Finance Card First Card, you are entitled to a 15% discount for booking a room at Fourteen Roses Hotel Bali. If you plan to take lodging in Legian, Kuta, The One Legian may be your choice to stay. You get the 20% discount for stays at these places by using the Good Finance Card credit card.

Shopping Can Discount

Shopping Can Discount

Shopping has become an inseparable part of the behavior of many people. However, there are times when shopping becomes a delayed thing to do. Usually, the price is not suitable to be the main cause. No wonder many people hunt for discounts so they can shop for their desires. Whether it’s a discount on the price of clothes, smartphones, or household furniture.

Thrifty Recreation in the Bag

Nothing wrong if it makes recreation as necessary. Once meaningful, after that die. Yes, once a week or a month or a year, go to whatever place you like. Make your life meaningful by having fun in a place of recreation that has long been dreamed of to be visited. Lots of fun recreational places that might give you the true meaning of re-creating.

For those of you who like to karaoke, invite your family or friends to release your fatigue by singing happily in the Family Karaoke Masterpiece. 

Get Immediately and Feel Fortunately

Get Immediately and Feel Fortunately

Originally want to find out, credit cards actually have many advantages. Starting from giving bonuses, rewards, to cashback. Moreover, you register as a credit card user for the first time ( First Card ). There are a number of credit cards that you can make a choice.

Every credit card issued by a credit card issuing bank has benefits that you can take advantage of. For those who do not have a credit card, let’s immediately submit and treat yourself with various benefits.