Increase credit – All information about increasing your credit in Switzerland

We offer you the opportunity to increase your existing loan simply and advantageously. Whether for unforeseen expenses, the realization of a dream or the improvement of your financial situation – we offer you the best solutions. Thanks to our cooperation with renowned lenders in Switzerland, we not only secure you tailor-made offers, but also the most attractive loan interest rates. Discover with us how you can expand your financial scope by increasing your loan – quickly, transparently and tailored to your needs.

Principles of credit enhancement

What does topping up credit mean and how does it work?

Discussion of a loan increase

Increase credit – this concept offers you the opportunity to increase the amount of your current credit. In practice, this means that you can obtain additional capital after a positive credit check without having to conclude a completely new loan agreement. This process is particularly attractive for borrowers who already have a loan and need additional funds, whether for unexpected expenses, investments or to improve their quality of life.

Loan top-up vs. new loan: advantages and disadvantages

The decision between increasing the loan and taking out a new loan depends on various factors. Here are some pros and cons to help you decide:

  • Advantages of increasing the loan:
    • Easier and faster process as you are already a customer.
    • Possibility of obtaining better conditions based on your history with the lender.
    • No additional credit checks that could affect your creditworthiness.
  • Advantages of taking out a new loan:
    • Clear separation between the individual loans/projects
    • Possibly more favorable market conditions / interest rates
    • Diversification to various banking partners possible

Second loan or top-up: Which is better for you?

The choice between a second personal loan and topping up an existing loan should be carefully weighed up. A second loan can be useful if you have specific financial goals that need to be kept separate from the first loan. The top-up, on the other hand, is ideal if you want to simplify administration and do not want to operate with several lenders with different loan amounts.

Topping up a loan without increasing installments: is that possible?

Yes, in some cases it is possible to increase your loan amount without increasing your monthly installment. This can be achieved by adjusting the loan term or by negotiating a lower interest rate. However, this depends heavily on your individual financial situation and the conditions of your current lender.

When and how often can you top up a loan?

The right time for a loan increase

There are specific times when a loan top-up can be particularly useful. These include:

  1. When your financial needs change: be it due to unexpected expenses, the financing of a new project or the consolidation of existing debts.
  2. Improving your financial situation: For example, a salary increase that allows you to make higher repayments without straining your monthly finances.
  3. Falling interest rates: If interest rates are generally falling, it may be possible to increase the loan on more favorable terms.

How often can and should you increase your loan?

The frequency of loan topping up depends on several factors, including the terms of your current lender and your financial situation. It is important to plan loan increases carefully in order to stay within your financial capacity. In general, there is no legal limit to the number of times a loan can be topped up. Nevertheless, lenders re-examine the applicant’s creditworthiness and financial situation with every application for a loan top-up to ensure that the new loan amount is affordable and there is no risk of over-indebtedness .

Increase credit: What documents are needed?

Documents and information for a successful loan increase

Checking the documents before a loan is increased

When applying for a loan top-up, various documents are required to confirm your financial situation and your identity. This usually includes:

  • Current proof of income: payslips for the last few months.
  • Proof of identity: Valid identity card or passport.
  • Proof of existing financial obligations: This may include current loan agreements, rental agreements or other financing.
  • Information about your financial situation: This may include proof of assets, existing debts and regular expenses.

These documents help the lender to assess your current financial situation and decide whether a loan increase is possible and responsible.

Repaying and topping up your loan: a step-by-step guide

The decision to replace another existing loan with a loan top-up should be based on a careful examination of your financial goals and options. Here are some factors you should consider:

  • Interest rates and conditions: Check whether a loan top-up is possible at a lower interest rate or better conditions.
  • Long-term financial goals: Consider how the decision will affect your long-term financial goals.

Process of loan increase and repayment

  1. Request with your current lender: Start the process by making a request for a loan top-up with your current lender.
  2. Submit the required documents: Provide all requested documents to prove your financial situation.
  3. Assessment by the lender: Your lender will review your request and decide whether a loan increase can be approved and, above all, on what terms. If these are more favorable than with another existing loan, it makes sense to extend the loan and pay off the old loan.
  4. Contract adjustment: If approved by the bank, your loan agreement will be adjusted to the new conditions.
  5. Repayment of the existing loan: Thanks to the new financial leeway, the old loan with its higher interest rate can now be loan can now be repaid early .

>> Here you can calculate your transfer fee .

FAQ: Frequently asked questions about loan top-ups

Can I increase an existing loan?

Yes, in many cases you can top up an existing loan. The prerequisite for this is that you pass your lender’s credit check. Your lender will assess your current financial situation to ensure that you are able to repay the higher loan amount. It is important that you have a stable source of income and also fulfill the other credit conditions.

Is it possible to increase the loan without changing the installment?

It is possible to increase a loan without increasing the monthly installment by either extending the term of the loan or negotiating a lower interest rate. However, this option depends on the terms and conditions of your lender and your individual financial situation.

Is it possible to get 2 loans?

Yes, it is possible to have two or more loans at the same time as long as you pass the credit checks for each loan and can make repayments on all existing loans. Lenders will assess your total debt and income to ensure you are not living beyond your means.

How many loans can you have?

There is no legal limit to the number of loans a person can have. However, as mentioned above, any lender will carefully assess your financial situation to ensure that you are able to make the repayments without overextending yourself financially. The decision is based on your creditworthiness, income and other financial obligations.

>> Here you can calculate your total calculate your total credit line .

Choosing the right partner: Why is the best option

How to secure the best loan interest rates in Switzerland

At we understand how important it is to find the best conditions for your financial needs. Thanks to our extensive partnerships with leading lenders in Switzerland, we can help you secure the best loan rates available. By using our platform, you gain access to:

  • Exclusive offers: We negotiate on behalf of our clients to get exclusive loan offers you won’t find anywhere else.
  • Comparison service: Our simple comparison service allows you to compare offers from different lenders quickly and easily and thus save money. Because our job is to compare the best loans in Switzerland .

Our network: cooperation with leading lenders

By working with a large number of lenders, we are able to offer a wide range of loan products tailored to the individual needs of our customers. Our expertise and commitment to transparency mean that you will always find the best solution for your financial situation.

Summary and next steps for increasing the loan

The decision to increase a loan is an important step that needs to be carefully considered. At, we specialize in helping you make the best decisions for your financial future. If you are considering topping up your credit, the best way to get started is to use our website today and submit a non-binding inquiry or send us an e-mail to and write to us. Our experts are ready to help you every step of the way, from your initial inquiry to a successful loan extension.