Credit Upgrade, Reshape Your Financial Flexibility
Financial needs can develop faster than expected. Increasing your existing credit or restructuring your financing can be a smart solution in such situations.
More Financial Freedom, Intelligently Implemented
Rather than simply extending your current loan amount, it's worth reviewing your entire financing. In many cases, it makes more economic sense to replace your existing credit with a new, optimized solution.
Thanks to changing market conditions or a positive payment history, more attractive interest rates may be available today. This allows you to finance a higher total amount, often with a comparable monthly payment.
Good Reasons to Restructure Your Financing
Positive Payment History Pays Off
If you've paid your previous installments on time and reliably, you've improved your creditworthiness. This can form the basis for better terms on a new financing.
Clarity Through Consolidation
Multiple loans from different providers often lead to higher overall costs and less transparency. Consolidating into a single contract creates clarity and can bring interest advantages.
Less Administrative Effort
With just one point of contact and a clearly structured financing, you reduce organizational effort and gain planning certainty.
Flexible Early Repayment
Under Swiss law, consumer loans can generally be repaid early without additional fees. This makes switching to a new financing easier.
Faster Debt-Free
Lower interest rates offer the chance to shorten the term. This reduces total costs and you achieve financial independence sooner.
Recognize Opportunities and Act Wisely
A credit upgrade means not only more capital – it can also be a strategic opportunity to optimize your entire financial structure. A careful analysis shows which solution makes the most economic sense in your current situation and offers you the greatest long-term flexibility.
Effective annual interest rate: 4.7%–9.95%. Representative example: Loan amount CHF 10,000, term 48 months, effective annual interest rate 7.9%, monthly instalment CHF 242.05, total cost CHF 11,618.40. Interest rates from 4.7% for homeowners. 123CREDIT GmbH is a licensed credit broker (not a lender) under the Consumer Credit Act (KKG).