- Majority age
- Residence in Switzerland or Liechtenstein
- Passing of identity and money laundering check
- Regular income and/or securities/properties
- 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
- Before registering, you can already calculate the monthly rate for your desired loan depending on the amount and the term.
- After registration, you submit the personal information necessary for a credit check
- Once this information is received and analysed by CreditGate24
- Once you have signed the credit project contract, we publish your credit project on our platform so it is visible to investors.
- As soon as your credit project is fully financed and the investment money is wired to CreditGate24, the funds will be transferred to your account (CreditGate24 fees deducted)
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.
Registration with CreditGate24 and investing in credit projects is free of charge. CreditGate24 charges a fee of 1% on every repayment to your account (amortisation and interest). The issuance of your annual CreditGate24 tax reporting is already included in this fee.
- 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.
- Under Investments -> Attractive Yields -> More Projects, you will find an overview of all available credit projects with their respective rating grades, nominal interest rate, term, and yield, as well as information regarding the borrower and the project’s purpose.
- You select a credit project based on your preferences.
- You enter the amount you want to invest in the chosen credit project.
- You click the button "Investment Confirmed. Legally Binding.”
- As soon as a credit project is fully financed, you will receive an email from CreditGate24 requesting to transfer your designated investment amount within 72 hours.
FAQ Secondary Market
FAQ SME short term loan
- Pre-financing of current assets (inventory / factoring / debtors /)
- Bridging seasonal fluctuations
- Pre-financing of invoices
- Short-term liquidity requirement refinancing
- Bridging a liquidity gap
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)
In case of death, the residual debt balance (up to CHF 100'000) is ensured by Generali for all rating categories and will not be transferred to the heirs.