Credit Replacement & Debt Consolidation
Multiple running credits or credit cards with different interest rates often lead to high total costs and little transparency.
With a debt consolidation through 123CREDIT, you combine your existing obligations into a single financing, clearly structured and transparent. 123CREDIT accompanies you as an experienced and discreet credit broker from inquiry to payoff.
Your Benefits at a Glance
- One monthly payment instead of multiple individual payments
- Better control over your overall financial situation
- Potential to reduce interest burden
- Individually selectable terms
- Simple, digital application process
Credit Replacement Process
Compile Obligations
Record the outstanding balances of your existing credits or credit cards. Through 123CREDIT, you can calculate the total payoff amount and determine a suitable term.
Non-binding Online Inquiry
Submit your inquiry digitally. Based on your information, you will receive an initial assessment of possible conditions.
Review and Payout
After submitting the required documents, the final credit check is carried out by the partner bank. If approved, the granted amount is paid out.
More Planning Security for Your Budget
A consolidated financing with clearly defined conditions provides structure and transparency. By bundling your liabilities, the monthly burden can often be better planned and stabilized long-term.
123CREDIT acts as a credit broker. The final credit decision is made by the respective partner bank in accordance with legal provisions, in particular the Consumer Credit Act (KKG). Credit is excluded if it would lead to over-indebtedness.
Consolidate Your Credits Now
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).