You’ll find here the answers to the most frequent questions
What does "Express Credit" mean?
MS Finance Ltd. offers you the fastest response time. As soon as your complete application arrived, you’ll get to know the decision within 24 hours. »What documents do you need from me?
To process your financing application, we require a completely filled out application. After the granting of your credit by a bank, with the credit contract we need * A copy of your ID * Copies of your last »Who can ask for a credit?
Everyone, being in possession of a Swiss passport or a permit of the categories B, C, L and G can apply for a private credit. The age of the applicant must be between 18 and 70 years. Independently from the professional »How high must be my income to apply for a credit?
Your income must be amounted to a minimum CHF 2'300. - for an application of a credit. »Is there a minimum or maximum credit amount?
MS Finance offers credits from CH 1'000.- to CHF 250'000.- »Who decides about the granting and maximum of my credit?
The bank offering the credit decides about the granting and maximum of your credit. »I have current prosecutions / garnishments. What now?
If you have current prosecutions and/or garnishments, we cannot apply for credit for you. You have to pay the outstanding amounts and cause your creditor to erase them as fast as possible from your debt registry »I already have a credit. Can I apply for another one or increase the present one?
This is not a problem if your budget allows it. You can change your present with lower interests or increase your credit. We’d be glad to consult you about your possibilities. »What is a ZEK-code?
ZEK is the information centre for credit information where is registered when you did not pay a credit in regular and proper rules. If you have a negative ZEK-code, the bank won’t grant you a loan. »I’m a Frontier. May I apply for a credit?
Yes, you may. In addition you have to fulfill the following conditions: L EC permit: You need to have a minimum stay of 6 months in Switzerland/ G permit: you need to stay a minimum of 3 years in Switzerland and of »Who determines the duration of my credit?
You are the only one who sets the credit duration. You can choose between 6 and 60 months. »How high are the interest rates?
Based on the information you gave through the application form the bank calculates un budget for you adapting your credit. Your solvency results from the annual percentage rate (APR) which varies between 8.25% und »
Benefit from fantastic interest terms.