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Credit & Financing
Finding the right loan — with expert guidance
Whether a personal loan, leasing or mortgage preparation — we analyse your situation, compare offers and guide you to the right financing solution.
Sound familiar?
Financing in Switzerland is more complex than expected
Many people in Switzerland face unexpected hurdles when applying for credit.
Loan application rejected
Swiss banks have strict lending criteria. A rejected application can further damage your credit rating.
Confusing offers
Dozens of lenders with different interest rates, terms and hidden costs — comparing them is complex and time-consuming.
Debt getting out of control
Multiple loans or high interest rates can lead to a debt spiral. Consolidation could be the solution.
What we do for you
Expert support for your financing needs
We support you in finding the right financing solution — transparent, neutral and always in your best interest.
Free financing consultation- Personal loan comparison and advice
- Leasing advisory for vehicles and goods
- Mortgage preparation and planning
- Analysis and optimisation of existing debts
- Debt consolidation and restructuring planning
- Financial planning and liquidity budget
How we work
From analysis to solution
A structured process for the right financing decision.
01
Financial analysis
We analyse your income, expenses, existing debts and creditworthiness.
02
Needs assessment
We clarify the financing need, purpose and optimal term and structure.
03
Offer comparison
We compare offers from multiple providers and present the best terms.
04
Support
We help you complete the application documents and guide you through the process.
Why Ribeiro Consulting
Neutral advice, always in your interest
We represent you — not the bank.
Neutral analysis
We are not tied to any bank and objectively compare offers from multiple providers on your behalf.
Expat experience
We know the specific challenges expats and immigrants face when applying for credit in Switzerland.
Full discretion
Finances are personal. We handle your situation with the highest confidentiality and without judgement.
Common questions
Credit & financing: your questions answered
The most frequently asked questions about credit and financing in Switzerland.
Yes, but there are restrictions. With a B or C residence permit and stable income, a loan is possible. With an L permit it is more difficult. We analyse your situation and find the best solution.
A personal loan is disbursed for various purposes (car, renovation, etc.). With leasing, the vehicle remains the property of the lessor. We help you find the most suitable solution for your situation.
In consolidation, multiple debts are combined into a single loan with a more favourable interest rate. This simplifies management and often reduces the monthly payment.
For personal loans, usually 1–3 business days after submitting all documents. Mortgages take 2–4 weeks. We ensure all documents are complete and correct to avoid delays.
Clarify your financing
Find the right loan — we will help
Book a free financing consultation and find out which options are best suited to your situation.