Fragen und Antworten

Why does Hypothekarbank Lenzburg recommend CreditGate24 to its clients?

Hypothekarbank Lenzburg offers its customers the opportunity to apply for personal loans directly via the online platform of CreditGate24. The cooperation was established in the best interest of customers, who benefit from low interest rates and flexible solutions at CreditGate24. CreditGate24 remains completely independent and there are no compensation agreements between Hypothekarbank Lenzburg and CreditGate24.

Marianne Wildi, CEO of Hypothekarbank Lenzburg, comments: “The credit underwriting process of CreditGate24 meets current industry standards in the lending business. We therefore recommend CreditGate24 to our customers – both for borrowers and for lenders.” (Press release only in German)

Does it matter from which account my payments are made?

No, you are able to send the money from every of your Swiss accounts but the monthly repayments are paid only to your bank account that you have saved in our system.

What is debt restructuring or a credit replacement?

If a borrower takes out several loans, he can convert them into a single consolidated loan. A borrower can bring down high interest when switching to a new credit supplier or platform.

How quickly will the requested loan amount be paid out?

As soon as you send all the necessary documents for the loan directly to CreditGate24, we will send you a loan offer via internal email. Once you accept the loan offer, the original contract for the credit project will be mailed to you immediately to be signed.

When we have received the signed contract, your credit project will be published on our platform.
Your requested loan amount will be paid out when it is fully financed on behalf of our investors.

What are peer-to-peer loans?

Peer-to-peer-loans (P2P) is the practice of lending money to individuals or businesses through online services that match investors directly with borrowers. Since peer-to-peer lending companies offer these services entirely online, they can run with lower overhead and, therefore, provide the service more cheaply than traditional financial institutions. P2P-loans allow for a social component, an aspect that was lost in big banks.

Who can apply for a loan over CreditGate24’s platform?

Anyone can apply for a loan through CreditGate24’s platform, providing the following conditions are met:

  • Majority age
  • Residence in Switzerland or Liechtenstein
  • Passing of identity and money laundering check
  • Regular income and/or securities/properties