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Loans & mortgagesPersonal loansIncreasing your loan
Topping up a loan

Increasing an existing loan – is it possible?

You can top up your loan during the repayment term if you need extra funds for additional purchases or investments. Comparis explains how.

What is meant by topping up a loan?

BlockquoteTopping up a loan basically means increasing your existing loan amount. This usually involves applying for a new loan.

In theory, you can increase or top up your loan at any time, providing your personal financial circumstances allow it. It is possible to have multiple loans at the same time (with one or multiple lenders) and also take out another loan to access additional funds.

How to increase your loan

The process for applying for a second loan is the same as for the first loan, except the existing loan is included in the budget as an expense. The new lender will also check your payment history for the first loan. This is reported to the Central Office for Credit Information (ZEK) – whether it is good or bad. If your record states that your payments have been regular and on time, this makes a good impression and can mean better conditions for you. If your record states that your payments have been late, this has a negative effect on your chances of obtaining a loan, as well as on the conditions offered.

Irrespective of whether you are topping up or refinancing a loan with an existing or new lender, the process always involves a credit capacity check as legally required by the Consumer Credit Act a review of your credit standing and the preparation of a detailed budget.

What you need to know:

Your payment practices during the term of your loan are visible to other lenders. This means that:

If you have good payment habits, i.e. make regular payments, this improves your chances of topping up your loan and being offered better conditions.

Any delays to your payments have a negative effect on your creditworthiness and therefore on any future loan applications.

What documents do I need to top up my loan?

The documents you require in order to increase your loan are the same as for any loan application, i.e.:

✔ Official identity document such as ID card, passport or driving licence, or resident permit if you are not a Swiss citizen
✔ Copy of the last three payslips
✔ Copy of your loan agreement

Depending on your individual profile (e.g. marital status, outgoings, existing agreements), other documents may be required for the credit check. This also varies from lender to lender.

How does my existing loan affect the top-up loan?

If your situation became worse during the term of your first loan or you have a negative credit record due to your payment practices (even those not directly connected to your loan), it’s possible that you will be offered less attractive rates and conditions for your new loan than for the first. In this case, it's a good idea to consider taking out a separate loan with a different lender. Since the eligibility criteria of the lenders and an individual's personal situation can vary substantially, it’s worth comparing multiple loans in the first instance. Naturally, you should only consider a loan if you can afford it.

What's the difference between topping up and refinancing a loan?

Often, topping up a loan involves closing your existing loan. If you apply for the second loan with a different lender, this lender will usually offer to refinance the loan. When you apply for a new loan, you must declare your existing loan so that it can be used to calculate the budget. With refinancing, the lender assesses your eligibility using the amount of the first loan plus the additional sum required. If your personal circumstances have improved, this can mean more attractive conditions. In addition, higher amounts generally attract lower interest rates, which is a further benefit of refinancing.

Calculating your credit limit

You can use our credit limit calculator to obtain a rough idea of how much you will be able to borrow. The calculator uses the same software as the lenders. Please note that it does not take account of existing loans or leases, although these must of course be included in your budget calculations. For this reason, although the approximate value is calculated in accordance with the guidelines of the Consumer Credit Act, you should not rely on this alone to determine your likelihood of obtaining an additional or increased loan.

Calculate credit limit

Credaris, a partner service of Comparis, is on hand to answer all your questions on topping up or refinancing a loan, can help explore your options and, if you wish, find the right loan for you.

The loan experts at Credaris can review your request for a loan increase and compare the products of multiple Swiss lenders to find the solution that best fits your needs. This increases your chances of being able to top up your loan at fair and transparent conditions.

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Approval of a loan is forbidden by law if it would lead to over-indebtedness (Art. 3 UWG).

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