Frequently asked questions

Fidevo’s service is free of charge and non-binding for applicants. We guide you through the application and forward it complete for review.

As a rule: residence in Switzerland, minimum age of 18, a regular income and, for foreign nationals, a valid residence permit (permit B or C). The decisive factor is the affordability of the monthly instalment.

Always: ID card/passport, rental agreement or mortgage certificate, and health insurance policy and latest premium invoice. Depending on your employment, also payslips (permanent employment: 3, fixed-term/temporary: at least 6); if self-employed, your latest tax assessment; if retired, your pension statement. If married, also your spouse’s documents.

As soon as your documents are complete, the review can start without queries. How long it takes to reach a decision depends on the financing institution; complete information speeds up the process considerably.

The credit limit is usually between CHF 1'000 and CHF 250'000. How much is realistic for you depends on your affordability (income minus fixed costs). The binding terms are set by the financing institution.

With your consent, the complete application is forwarded to our partners for review. They check your details, the affordability of the instalment and your entries with the ZEK (Central Office for Credit Information). Our partners are listed in the Disclaimer.

Usually not in advance. A debt collection register extract is only needed if the financing institution explicitly requests it in an individual case.

Yes. Data and documents are stored on servers in the EU (Frankfurt), FADP-compliant, and are encrypted in transit and at rest. Documents are only accessible via time-limited, signed links.