Fragen und Antworten

Can investors see my personal details?

On CreditGate24’s platform, your personal information—name, address, and email address—is not published.  Only statistical values of age, gender, and nationality are visible. CreditGate24’s top priority is our clients’ privacy.

What are my benefits as an investor?

Investors can invest individually in different credit projects with very attractive risk-return profiles (credit rating grades). Further, investors are able to support borrowers and their projects.

CreditGate24 links investors and borrowers directly; due to our online strategy, we avoid the large amount of overhead costs experienced by traditional credit suppliers. Investors and borrowers benefit equally from our cost-saving strategies. The security of our investors’ investments is CreditGate24’s top priority. We guarantee this security through the following measures:

  • Every credit project must go through a strict and elaborate credit risk check
  • In case of death, the residual debt balance (up to CHF 100’000) is ensured for all rating categories and will not be transferred to the heirs.
  • We practice loan default pooling, wherein the effect of a loan default on single investors is minimized by distributing the effect of the loan default to all investors within the same rating grade
  • Strict supervision of all payment streams and systematic claims management.

Despite these efforts, the possibility of risk remains.  Therefore, we recommend you split your investments into projects with different credit rating grades.

What are my benefits as a borrower?

Ethics in dealing with borrowers and transparency are key principles of CreditGate24.

Obtaining loans through CreditGate24’s platform is a clever alternative to the more traditional—and expensive—credit suppliers.

Key advantages:

  • Flexible, fast and fair granting of loans
  • Simple and straightforward credit check process
  • Low interest rates
  • No hidden costs
  • Free registration and account-keeping
  • Highest flexibility, with the possibility to pay back your loan ahead of schedule
  • Highest discretion, privacy protection and guarantee of your anonymity