- Your monthly payment in two minutes
- One application, complete first time round
Whatever your project,
And your project
moves forward.
Calculate your monthly payment instantly. Cereno then compares the solutions suited to your situation. Free for you, no obligation.
- No-obligation offer
- Flexible term from 6 to 120 months
- Consolidation and credit increase possible
- Optional credit insurance
- Free service
- Data stored in Switzerland
- Real-time tracking of your application
is at your side.
- Several banks, a single process
- Your application goes where your chances are strongest
- Your application, tracked in real time
- The decision is yours, from first click to signature
Loan consolidation
Multiple loans?
A single monthly payment.
Consolidating several loans can simplify your finances by bringing several commitments together into a single monthly payment, often a lighter one.
A lighter monthly paymentYour repayments, reorganised into one monthly payment that fits your budget.
Finance a new projectYour consolidation can include an extra amount: renovations, a major purchase, a vehicle.
Digital journey
From first click to payout
Application, documents, tracking:
everything happens online, at your own pace.
Track your application
with peace of mind
Submit your application and send your documents online. Follow every step on your phone, right up to the payout.
Calculate my monthly paymentDisplay exampleHello LéaApplication no. 2847
Tracking your loan
- Received
- Analysed
- With the bank
- Offer
- Signature
- Your 14 days of protection
- Payout
With Cereno
Cereno simplifies
your loan.
A simple process, Cereno at your side at every step, and you see your application move forward.
Everything from your phoneYour application, your documents and your tracking: every step happens from wherever you are, at your own pace.
Your documents, just onceA document you have given us is never asked for again: not by us, and not by the bank through us.
You know where you standA clear journey, visible and dated: from your application to the payout, you know what is happening and what comes next.
Calculate my monthly paymentYour questions
Our answers.
Nothing. Our commission is paid by the lender, and only if your contract goes through.
As a rule: you need to be of legal age, earn a regular income and live in Switzerland, residence permit holders and cross-border workers included, depending on the bank. Each institution then assesses your situation as a whole.
Online, in a few minutes: you calculate your monthly payment, complete your application and send your documents from your phone. Cereno takes care of the rest.
The rate depends on your situation and the bank: personal loan rates in Switzerland are capped by law. Your exact rate appears in black and white in the offer, before any commitment.
As much as your budget allows: Swiss law requires every bank to calculate your credit capacity from your income and expenses (Art. 28 KKG). Your offer reflects that calculation.
Once your application is complete, the bank usually replies within a few days. The law then provides for a 14-day revocation period (Art. 16 KKG) before the payout: a protection that applies to everyone.
After you sign and the statutory 14-day period has passed (Art. 16 KKG), the bank transfers the amount directly to your account. You see this step coming in your tracking.
Most of the time: an identity document, proof of income, proof of residence. The exact list depends on your situation; you send everything online, just once.
You know at any moment: each step appears in your real-time tracking, from application to payout, without having to call.
Ongoing debt collection proceedings make approval much harder: most banks check the register. Depending on your situation, we tell you frankly what is realistic before taking your application further.
With your consent, the bank checks your ZEK history before deciding: current loans, recent applications, any incidents. A clean history works in your favour; recent incidents or refusals weigh in the assessment, which each bank makes across your situation as a whole.
Yes. The calculation involves no commitment and sends nothing to the banks. And after signing, you have 14 days to withdraw, free of charge and without giving a reason.
A refusal costs you nothing and commits you to nothing. Depending on the reason, we redirect your application to a more suitable institution, or we tell you what needs to change before trying again.
More questions? We answer them directly.About
How it works
From calculation to payout, made simple.
Four clear steps, from your estimate to the payout into your account.
Your personalised estimate, in two minutes.
Calculate my monthly payment