FAQ's by Category

- Investing into your future, for example for further education - For a large acquisition, for example an automobile or new furniture - When considerable expenses are pending, for a renovation of your appartment, or a new conservatory, etc. - A debt restructuring. if yiôu have to pay less interest at Crowd4Cash

Our personal loans have the following advantages:
- Lowest interest rates, already starting at 3.9%
- Fill-out your credit application wihthin only ca. 15 minutes
- Get a credit request decisioin within 24 hours
- 100% online, from the credit request to the pay-out
- Fair and transparent fees

The following subjects can get a personal loan:
- At least 20 years old and judicious
- No older that 65 years at the ending date of the credit contract
- Domiciled in Switzerland for at least 6 months
- Owner of a residence permit of the category C or permit B with at least 3 years living in Switzerland
- No entry in the enforcement register for the last three years
- A fix contract of employment and active in this job since at least 3 months

You can apply for a credit in subscribing at Crowd4Cash easily, fill-in the necessary data fields online and upload the required documents. We will then check your documents and inform you about our credit decision within 24 hours for personal loans.

Crowd4Cash offers an easy application process with exact descriptions of every step, which are easy to follow. Within a few clicks you will receive an unbinding proposal for a credit according to your requirements. Crowd4Cash examines your financial situation and asks you to amend the requested amount (credit or rate) if necessary. Therefore, we need the following data:
- Your personal data
- Copy of your passport/ID and a foreign resident's permit (if applicable)
- Extract from the Debt Enforcement Office (not older than 3 months)
- Wage statement of the last three months
- Rental agreement/ mortgage agreement
- Health insurance premiums (premium statement)
- "Selfie"
- Identification payment in the amount of CHF 5.00

Supplementary document in case of debt conversion:
- Copy of the current credit agreement

If the financial validation was successful Crowd4Cash publishes the credit project on its website for investors to finance it. If an investor is found, Crowd4Cash sends the necessary documents digital. As soon as Crowd4Cash has received your signed documents and 14 days waiting period has passed, Crowd4Cash transfers the credit amount to the borrower's account.

The Swiss money laundry law stipulates an identification. By following this order, we comply to the requirements of the FINMA.

Crowd4Cash checks the borrowing power of the borrower in connection to the application process because of the following reasons:
- Protection of the borrower form excessive indebtedness, according to the consumer credit law
- Guarantee of a fair and risk-weighted interest rate by the credit rating
- Decrease of the risk of loss for the investor.

The smallest investment amount for borrowers of personal loans and SME credits is CHF 5'000.- at Crowd4Cash.

If you already have one or multiple credits running, but you see, that you would pay a lower interest rate at Crowd4Cash, you can pay-off your current debts thanks to a cheaper loan at Crowd4Cash.

A debt restructuring can be done by a private individual or a SME. Therefore, you have to register as borrower and upload the documents demanded, including a copy of your current credit agreement(s). As soon as we have checked your documents, it will be a pleasure for us, to present your restructuring wish on our platform. After the successful biding-process, you can begin profiting from our rates.

After your complete registration (incl. provision of the required documents), it will take us 24 hours at most for personal loans and 48 hours at most for SME loans, until will have checked your credit application. As soon as we approve your request, the desired credit project will be published on our platform with the specific properties chosen by you. The bid period can vary from 3 to 28 days. After a successful conclusion of the auction, you and your lenders will be provided with the necessary contracts, electronical. As soon as we receive the signed contracts, the credit amount will be paid out after a waiting period of 7 days (for SMEs), respectively a statutory revocation period of 14 days (for private individuals), according to the consumer credit law. The sum will be transferred to your personal bank- or post office account.

The credit amortisation takes place in monthly, equal rates, based on the annuity method. Due to the equal rates, the interest portion is relatively high at the beginning and decreases over the credit run-time in favour of the credit amortisation portion.

The pay-off is due on a monthly basis, at the value date defined by your contract. You will receive a QR payment slip and please take this to pay your monthly instalment. If you don't receive the invoice, please contact us.

The payment shall be transcribed to (Postfinance account): Crowd Solutions AG, Bellevueweg 42, 6300 Zug, IBAN: CH53 0900 0000 8046 5716 3

If an instalment is left unpaid at the value date, default charges based on the agreed upon interest rate of the loan will be raised as at the first day of delay. Crowd4Cash will raise charges for the additional effort, according to our general terms and conditions.

Yes, you can easily repay your loan at any time in the dashboard. Simply click on the “Early repayment” button and follow the steps shown.

The following services are for free for private borrowers:
- Registration and bookkeeping
- Creation, validation and publication of credit projects
- General questions and enquiries

Borrowers pay an annual fee of 0.80% of the gross credit amount. This fee is raised after a successful auction and will be deducted for the whole credit run-time at the beginning. For a credit amount of CHF 10'000, with a run-time of 36 months, the charges are CHF 80 per year. So, the accumulated fees will be CHF 240. The borrower will receive a net credit payment of CHF 9'760.

The fees will be deducted from the credit amount at the beginning of the run-time, automatically. You will not have to pay any additional charges.

If your credit wish doesn't comply with our requirements, you can either prolongate the run-time or scale down the credit amount - simply fair! It has to be noted, that we have to check the prescribed ability of the borrower, of theoretically being able to pay back the whole credit amount within a period of 36 months, as by law.

Yes, the outstanding credit amount of every borrower (only private individuals), is insured in case of death of the borrower. The insurance in case of death is already included in the platform fees.

No "real life" names will ever be published.

Attempted fraud will always be reported to the authorities.