Crowd4cash (Crowd Solutions AG)
Crowd4cash is a Swiss crowdlending provider and specialises in retail banking, private loans (Crowd4cash Privatkredit) and investments (for investors). On the Crowd4cash platform it is also possible for companies and investors to obtain or support financing (SME loan). Customer branches are not available as pure Fintech companies.
The peer-to-peer platform was launched in 2015 with the aim of providing loans without a bank, thus enabling lower interest rates for borrowers and higher returns for investors. The founder and CEO/CFO is Roger Bossard. Crowd Solutions AG employs over 5 people.
Prerequisites for a positive credit application:
- Age between 20 and 65 when the loan expires
- Residence in Switzerland for at least 6 months and at least a C residence permit
- Unlimited employment contract (since at least 3 months)
- No negative entries at the IKO during the last 3 years (legally required information centre for consumer credit).
The head office of Crowd4cash is located in Zug, in the canton of Zug.
The Crowd4cash Loans
In addition to the traditional personal loan, Cashare offers the following products for private individuals:
- Car loan
- Debt restructuring
- Short-Term loans
- Educational Loan
The Crowd4cash Personal Loan
The Crowd4cash personal loan can be used for many different purposes, as it is an unrestricted consumer loan. The credit application takes place exclusively online. For the personal loan, terms of between 1 and 60 months are available. The borrower determines the term of the loan. The borrower can choose loan amounts between CHF 5,000 to CHF 250,000.
Crowd4cash Interest Rates
The Crowd4cash loan is offered with interest rates of 3.9% to 8.9%. The applicable interest rates depend on the duration and the applicant`s individual circumstances. The final interest rate is determined during a complete credit check by Crowd4cash.
Crowd4cash charge a service fee. It amounts to 0.7 % p.a for borrowers.
Advantages of the Crowd4cash Personal Loan
The advantages at a glance:
- Transparent fees
- Lower interest rate than with conventional providers
- Restructure existing high interest loans
- 100% online and thus cheaper
The credit application can be made clearly, online, quickly and discreetly. If the credit project advertised on the Crowd4cash platform has been fully financed by the investors and the funds have been transferred to Crowd4cash by the investors, the disbursement is made to the borrower.
* The credit of Crowd4cash is currently not offered by any of our partners.