Rates & Fees
Finance Global Services applies an indicative fixed APR from 2.5% for all its credit products, whatever the nature of the loan: consumer credit, personal loan or debt consolidation.
This rate is guaranteed for the entire duration of your contract: it cannot increase, even if market rates rise. You know from the moment of signing what you will pay each month, until the last repayment.
The simulation and study of your application are entirely free. Only administrative fees are charged for the official registration of the contract.
The 2.5% APR includes the full cost of credit — no hidden extras.
Borrower's insurance is not legally compulsory for consumer credits. It is however strongly recommended to cover the risks of death, permanent disability or job loss.
If you wish to take out insurance, Finance Global Services will offer you approved partners. The cost of any insurance is indicated separately from the 2.5% APR and communicated to you before any signing. You are free to accept or refuse.
Credit
You can borrow an amount between CHF 3,000 and CHF 500,000 depending on your needs and repayment capacity. This wide range allows us to cover both small everyday projects and larger financing needs (home improvements, vehicle, investment).
The amount granted will be determined after analysis of your application by our advisors, taking into account your income, current expenses and debt ratio.
The repayment term extends from 12 to 360 months (1 to 30 years). You freely choose the term that matches your monthly financial capacity.
The longer the term, the lower your monthly payments, but the higher the total cost of the credit. Our simulator allows you to test different terms and find the ideal balance between a comfortable monthly payment and a controlled total cost. The maximum legal term is 84 months for certain credit categories under LCC RS 221.214.1.
Debt consolidation consists of grouping several loans into one. Finance Global Services repays your existing lenders and offers you a single reduced monthly payment at an indicative APR from 2.5%.
The process is simple: a free analysis of your current situation, then a personalised offer within 24 hours. We handle all administrative steps for closing your previous contracts.
To obtain a credit from Finance Global Services, you must:
- Be at least 18 years old
- Reside in Switzerland
- Have sufficient regular income to cover monthly payments
- Provide identity documents and proof of income
Each application is assessed individually. We work with employees, self-employed, liberal professionals and retirees.
Repayment
Yes, absolutely. At Finance Global Services, partial or full early repayment is always free and without penalty. You can make a repayment at any time via your online client area or by contacting your advisor.
In the event of full early repayment, a settlement statement is provided within 5 business days of your request.
In accordance with Article 16 of the Federal Consumer Credit Act (CCA / LCC RS 221.214.1), you have a 14-calendar-day right of withdrawal from the date of signing your credit contract. This right allows you to change your mind without justification and without penalty.
To exercise this right, simply notify Finance Global Services in writing (letter, email) within this period. The funds must be returned within 30 days of the notification.
Once your application is accepted and your contract signed electronically, funds are credited to your bank account within 48 hours on business days. The decision on your application is given within 24 hours of receiving your complete file.
Application file
The basic documents required are:
- Valid identity document (passport or national identity card)
- Proof of address (less than 3 months old)
- Last 3 payslips (or last 2 balance sheets for self-employed)
- Recent bank statement
Additional documents may be requested depending on your profile. The whole process is 100% online — you can send your documents by secure upload.
Yes. Self-employed persons, sole traders and liberal professionals can absolutely apply for a credit with Finance Global Services. We assess each application individually, taking your actual income into account. You will need to provide your last two balance sheets or revenue statements to validate your repayment capacity.
Data protection
Finance Global Services complies with GDPR (General Data Protection Regulation) and the Swiss FADP (Federal Act on Data Protection / LPD). Your data is encrypted, stored securely and never sold to third parties.
You have the right to access, rectify and delete your personal data at any time. To exercise these rights, contact us at: contact@financeglobalservices.com
Ready to apply?
Indicative APR from 2.5%, response within 24h. Apply online now or simulate your loan first.