Frequently asked questions

The application runs entirely online, the annual percentage rate is between 4.90 % and 9.90 % depending on creditworthiness, and early repayment is possible at any time under the KKG. The lender is eny Finance AG, based in Zürich. You can switch an existing loan with another provider.

The application runs entirely online via enycredit.ch. For questions you can reach us by phone on 0848 460 000; a visit to the branch in Zürich-Altstetten is possible by appointment.

Online in a few steps: set the loan amount (CHF 1,000 to CHF 250,000), enter your personal details, state your income and expenses, view the offer and confirm the application. You receive the credit decision and the loan agreement online.

Yes, the online credit commitment is binding, provided your details are accurate.

Personal details, information on your housing situation, income (net salary) and expenses.

Signed contract documents, salary statements for the last three months, the signed Form A and, for new customers, a certified copy of your identity document (yellow identification).

A certified copy of an identity document. We need it to identify customers uniquely in a way that complies with the law. You can obtain it at the post office, at many banks, at a notary's office or at your municipality of residence — bring a valid identity document with you. Send the original to eny Finance and keep a copy for your records.

With Form A you confirm that you pay the loan instalments with your own money and are therefore the beneficial owner. This corresponds to the requirements of the Anti-Money Laundering Act.

The annual percentage rate is between 4.90 % and 9.90 %, depending on creditworthiness.

We finance from CHF 1,000 up to a maximum of CHF 250,000.

We assume a regular income. The amount of our offer is based on your monthly income and your personal budget calculation.

Our services are mostly free of charge. Postal fees for payments at the counter, physically dispatched documents, reminder fees or extraordinary costs in connection with collection, special instructions or termination may be charged. The full overview can be found in the eny Credit fee sheet.

In 6 to 120 monthly instalments. We adjust the amount and number of instalments individually to your needs; once set, the instalment stays the same for the whole term.

Yes, at any time and at no additional cost. Under Art. 17 KKG, in the event of early repayment you are entitled to a waiver of interest and an appropriate reduction of costs for the unused loan term.

Yes. We assess a top-up using the same criteria as for the existing loan.

Yes, provided the total loan amount does not exceed your statutory financing limit.

Yes. Debt interest can be deducted from taxable income in your tax return. You will find the tax certificate at the end of the year in your eny Control account, ready to download and print.

Adults resident in Switzerland with a regular income from dependent employment, an employment relationship that has not been terminated, a Swiss bank or postal account, a valid identity document or valid residence permit, and without open attachment of earnings or certificates of unpaid debt.

No. Residence in Switzerland is a requirement for the loan application.

No, your partner is not liable for your eny Credit.

Yes. You can bundle your credit card balance or other loans into one eny Credit. We pay off the existing commitments, you then pay only one instalment and keep track with eny Control.

Some providers charge fees for the final statement. Switching is usually still worthwhile, as the interest saving typically outweighs these fees within a short time.

Yes. By law you have full freedom to choose your provider and to switch at any time. If you switch your existing loan, after the credit commitment we pay the outstanding amount directly to the previous provider.

No, you are not legally obliged to do so. For the online application you only need the outstanding balance of your existing loan.

No. Like us, your current provider is subject to statutory confidentiality obligations and may not disclose any information about your business relationship to us. It is best to order the final statement directly from your current provider.

The KKG protects borrowers against over-indebtedness and forms the legal basis for granting consumer loans in Switzerland.

ZEK stands for the Central Office for Credit Information. It collects reports on consumer loan, leasing and credit card commitments. Before we grant a loan, we check the ZEK entries of the applicant.

A rejection is always based on a solid legal basis under the KKG and takes into account, among other things, demographic criteria, personal circumstances, the budget as well as existing commitments and payment behaviour. We cannot disclose the individual reasons for rejection for legal reasons.

After the loan application, you have 14 days under the KKG to withdraw from the agreement.

No. We treat your loan application discreetly.

Yes. To protect your personal data, we use modern security systems and technologies.

eny Credit Insurance covers your monthly instalments in the event of involuntary unemployment and incapacity to work, as well as the outstanding loan balance in the event of serious illness and incapacity to earn a living. Details, waiting periods and costs can be found on the instalment protection insurance page.

Contact us early. Together we will look for a solution. With instalment protection insurance, you can protect your instalments from the outset against involuntary unemployment, incapacity to work, serious illness and incapacity to earn a living.