Borrowing

For the first time, live the experience of a fully digitized online loan, from the submission of your application to the signing of the contract and the payment of your money.

 

Your contract, 100% online.

Milenia, focused on simplicity and quality, innovates with a fully online loan. Sign remotely with E-ID and E-Sign, providing a secure and transparent process. No more paperwork, no more travel. Your approach, your pace, our responsibility.

Milenia's values (simplicity, responsibility, clarity and quality) are centred on improving your life; This is our main mission.

This encourages us to constantly evolve and present you with solutions and services that will have a positive impact on your procedures, especially administrative ones.

This is why we offer you, as a first step, to take out your loan in a 100% digital way.

In partnership with Cembra Money Bank, you can take full advantage of your online credit without worrying about paperwork.

Even your credit agreement can now be signed remotely.

This may seem like a no-brainer in a world filled with new technologies, but until now, no one in the personal loan business offered this service.

Those days are now over and we're proud to share it with you!

After all, until recently, all your contract documents were signed manually and sent to partner banks.

That is now history. So forget all postal exchanges, purchases of stamps, envelopes, paper; All you need is an internet connection... That's better, isn't it?

This process required the implementation of new technological tools:

E-ID, which allows you to be authenticated remotely.

It is a digitized proof of identity that allows you to be recognized and to have your financial and administrative transactions carried out electronically.

You will receive a link that you can click on and a caller will ask you to show your ID. That's it!

Then, the E-Sign which gives you the opportunity to sign your documents digitally.

Simplicity and security are guaranteed.

Isn't it more complex than it used to be?

It is legitimate to have this kind of intuition, we present you a totally digital method.

After all, we're moving away from the traditional methods we're used to and moving towards a new solution.

It's called change and it can be scary.

Simplicity above all!

However, with our new online credit offer, all this simplifies your credit application.

No need to move around, everything is accessible on a computer with internet access.

You no longer need to go to our offices, nor do you need to go to the post office.

If you don't need to go to the post office anymore, you don't have to bother with paperwork.

In short, don't waste precious time and move to the digital speed.

As you can see, you can now approach your procedures with much more ease.

Even if you remain skeptical about this transformation, which is perfectly understandable, digital progress allows for better cooperation, more transparency and more service for you, our dear customers.

 

Everything remains clear. Our advice above all.

You will always have access to an advisor if needed.

The digitization process simply allows you to benefit from a tailor-made approach that meets your financing needs.

While you can rest assured that you can file paper documents manually, don't worry about keeping your documents digital.

This is also safer knowing that your digital documents cannot burn, get lost, wear out... Everything is carefully preserved in a secure space.

This is in accordance with the new data protection law.

When in doubt, our fundamentally human approach remains tangible.

All you have to do is call us or make an appointment at our offices if it seems useful and reassuring. In all other cases, in a few clicks, in a few days, your application is completed, analyzed, submitted, accepted and signed. Your financing follows in the aftermath.

 

Responsibility is still there!

A responsible approach remains at the heart of our digital initiative.

Authentication process, confidential procedure, access to an advisor... Every step, every need is designed to meet your needs.

No identity theft is possible, no action can be validated without your consent. You are only liable if you wish to do so.

For the electronic signature of your documents, the task is going to be complicated, practice signing on a screen now, it doesn't change anything on paper but you never know. We're joking, of course...

On a more serious note, the electronic signature will concern your credit agreement. No, you won't have to sign on your screen, but you will have an electronic signature that only you will know how to activate.

You have the same rights and protections as before. A two-week right of withdrawal after signing the contract, the possibility of adapting your credit formula, the right to an in-depth analysis of your file to avoid the risk of over-indebtedness, etc.

The digital management of your file from A to Z has no impact on the safeguarding of your rights and the seriousness with which we assume our responsibilities of advice and facilitation is only tenfold.

In a word: Quality.

The cost of this service that leads to less time and hassle? There is none.

Since our creation, our role as a financial platform is simple, clear and responsible financing platform has generated no expense for you.

You won't have to cover any supposed administrative costs or so-called file creations.

Our remuneration is established with our banking partners, not our customers.

Is my access to human advice, delivered by a physical personal advisor, still assured? Yes, of course.

Whether in person, via WhatsApp or by email, your advisor, based in Switzerland, will always be at your disposal.

What do I need to do to activate this digital application process?

Just go to our website. Everything is explained, in all simplicity. Promised!

Can I always count on a highly individualized approach that takes into account my reality and my personal financial situation? That goes without saying!

It's our job, our passion.

Regardless of my signature method, do I still have attractive rates? The best on the market!

As Switzerland's leading financing platform, we offer you the most suitable and favourable solutions and conditions.

For Milenia, technology is synonymous with process improvement.

True to our mission, we work to put this technology at your service, in a fundamentally human way.

 

 

 

 

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Today, Crédits Conseils is part of a group that is the leading brokerage player in Switzerland. While benefiting from the most competitive borrowing rates in the sector, Crédits Conseils' clients continue to benefit from know-how and a responsible approach.

 

Strike force, yes. But quality comes first!

Credit advice, just like Credaris, cashmoney and Milenia are part of a group. Together, they are by far the most successful players in the Swiss credit market.

So what?

That means more partner banks, more solutions tailored to your needs, access to the best rates, more experience, and more technology.

However, what matters most is the quality of service.

In your exchanges, in the analysis of your loan application, in the advice offered, in the preparation of your file and in the tools made available to you.

The quantity is there, and so is the quality.

For 20 years, Crédits conseils has been offering the best by accompanying its clients with care, with increased attention to detail... in order to guarantee a high acceptance rate.

After all, the realization of your projects is the main objective, respecting another common value, the sense of responsibility.

Responsibility, another common value!

We were talking about it. Milenia shares similar values to Advice Credits. Quality, of course, but also responsibility.

It is not for nothing that the consolidation of credit players has taken place. Shared values are a prerequisite.

Fighting over-indebtedness is a key element of a shared responsibility between all the company's employees.

Having a responsible approach means responsible communication and marketing. Don't make untenable promises, don't target financially fragile profiles, avoid cases of over-indebtedness at all costs.

This is not only a legal obligation but a true internal belief.

Made-to-measure. Of course!

The expertise of Crédits Conseils' advisers is expressed according to the typology of each file.

As a couple? Bachelor? Is you a pensioner or not?

The degree of remuneration, the individual repayment capacity, the desired amount, the history according to the ZEK database, etc. Everything is considered.

Each application deserves to be considered on its own merits and weaknesses.

Every situation is different.

The advisors therefore try to understand each personal aspect in order to put together an application that has every chance of being accepted by the partner bank.

With this in mind, communication is a key factor.

Whether online on  the financing platform, during a telephone exchange or in person, knowing how to communicate in the customer's native language is a real advantage!

So you speak my language?

Oui. Si. Yes. Sim. Ja. Evet.

At Crédits Conseils, many languages are offered. You will be able to count on French, German, Italian, Spanish, Portuguese, English and others depending on your interlocutor.

A personal financing project is so important. It deserves the space and a quality of communication that allows it to quickly and qualitatively build the best possible credit report.

So you feel heard, respected, and understood.

In addition, your time is precious, so you might as well take advantage of the digital solutions offered. It's a guaranteed time saver!

Fully digitalised but also physically present throughout Switzerland

Submit your documents, whether they are payslips, invoices, extracts from the register and identity documents... In one click, online, easily, quickly...

Applying for a loan without having to go to the post office or go to a representative office...

Sign for agreement, even your loan agreement, by means of a secure digital solution... All of this is now possible.

Crédit Conseils is a fundamentally human company that offers to welcome you in its offices located in Versoix.

As Milenia is located in the vicinity of Lausanne, Crédits Conseils in the vicinity of Geneva, the majority of French-speaking clients will not have to travel far to get advice in person.

With a presence in the largest German-speaking city, the group is also ideally positioned at the national level.

The consolidation will undoubtedly continue to be even closer to you.

Interested in a career in the credit industry?

Switzerland has some excellent players in the personal loan sector.

The above-mentioned values demonstrate the seriousness and care taken to generate personalized, people-friendly and effective solutions.

Conseils Credits, Credaris, Cashmoney and Milenia will continue to grow and progress in a competitive credit market where only serious, professional and value-bearing parties will continue to grow.

Why not join them and discover a dynamic and evolving world of work?

Whether you have a sense of advice, numbers or well-crafted files, everyone can find their place in multicultural teams that are fair and have opportunities for growth.

The word value comes up a lot. It is a cornerstone of the group.

If you act responsibly, if you aim for quality in the work done, if you appreciate exchanges and a way of operating anchored in the principle of clarity and if you prioritize simple but effective actions rather than complexity and vagueness... Apply!

In the meantime, if you need to finance a project, whether it's a real estate project, the purchase of a vehicle, the organization of a trip, the enrollment in higher studies, the creation of a business... Contact us.

Together, we will study your application in order to put together a fully tailor-made file that is designed to increase your chances of acceptance, in accordance with your means and the rules in this area.

We'll be by your side from the first moment of contact to the transfer of your money to your bank account.

We are at your service, quite simply.

 

 

 

 

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More than a financial milestone, it is above all a recognition of the quality and personalization of our services. Thank you for your trust!

 

Milenia, always higher!

Here we are! 500 million Swiss francs worth of projects have been financed by our platform since the launch of Milenia in 2017.

More than a sense of pride, we are especially grateful for the trust shown by you, our loyal customers.

This recognition extends to our outstanding team members, partners and business supporters.

Such a milestone cannot be reached without the unwavering commitment of a group of individuals and companies who, from the outset, were behind Milenia so that this magnificent project becomes, over time, a resounding success.

Our values, our foundation.

From the beginning, we believed that excellence would lead to the results we see today.

This excellence, in the solutions offered and in the services offered, is based on our values.

These values are lived on a day-to-day basis, in every decision made by all our employees.

Without values, without a mindset of continuous improvement, there can be no business success.

It is this conviction that drives us at all times.

Simplicity in our operations and processes; this, both for our teams and for you, the users of our financing platform who want to put together a credit application file easily, without fuss.

Accountability for decisions made and advice given.

We are by your side to improve your life, not to create worries or a perilous financial situation.

Clarity in our communication and services.

Everything must be transparent, understandable and clear. This is how we build trust.

Quality.

Whether it's in our first contacts, in the tools, in the establishment and analysis of your personal loan file... Quality must be a common thread that is non-negotiable.

Our customers, our inspiration.

Why do all this?

Like any business, we need to aim for sustainability from a business perspective. We need to ensure a long-term vision for our investors and employees.

Above all, we need to be inspired by something bigger than ourselves, something that goes beyond financial interests. What's the point otherwise?

It's you, our customers, who embody this ideal.

You are the ones who give us a positive energy that pushes us to surpass ourselves to always aim higher.

Nothing beats a client who shares their satisfaction, sometimes their relief at having been able to carry out a project that was close to their hearts.

Nothing can replace the sincere thanks of a client who was able to finance his child's education, who was able to make the trip of his dreams, who was able to find a new financial balance following unexpected bills...

We all go through ups and downs. Your reality is our reality.

That's why we understand and respect your efforts; This is why we are committed to reciprocating your trust, because it is this trust that inspires us every day.

Our partners, our legitimacy.

Thanks to our network of partners, we are able to offer you the best conditions, the best rates, solutions that meet your personal needs.

The leading banks and financial institutions that have been with us for many years generate legitimacy and professional resonance in a credit sector that must be irreproachable in the services provided and the quality of the files put together.

It is this level of individualization and quality that we guarantee at Milenia!

Our innovation, our solutions.

An innovative mindset is also at the forefront of our strategy.

In concrete terms, this involves incorporating the latest technologies into our internal tools and services, constantly thinking about the digitalization of our processes, looking for methods of simplification in the remote management of your credit file, etc.

Innovation also extends beyond technology.

How can you reduce your administrative procedures to the essentials?

How can you make your customer journey more enjoyable?

How can we make it quicker to get an agreement from the lending institution?

Our teams are constantly working on these factors and motivating our business and technology divisions to continuously innovate.

We won't stop there

In the same spirit, we pledge to never rest on our laurels.

CHF 500,000,000 in loans is only a milestone and not a final destination. There is no end to the principle of continuous improvement.

The opportunities are numerous: artificial intelligence, changes in regulations, the consolidation of players in the credit sector, new customer expectations, etc.

Rest assured, we are at the forefront of these issues.

Our leading position in the market is no coincidence. We carefully follow new trends and anticipate initiatives that will serve to make your life easier and your user experience even more personalized.

The next financial milestone will be reached, but the main thing is that the quality offered is constant while being updated regularly to meet your expectations.

Milenia, at your side

As experts in consumer credit and partners in the offer of loss of earnings coverage and in the offer of credit cards, we have been at your side for several years now.

Our popularity continues to grow because we deliver on our commitments, communicate clearly, and offer an easy and fast procedure for obtaining your loan.

With us, there are no management fees, no file requirements, full compliance with credit rules and unfailing confidentiality.

With us, it is also a committed team, the strength of a group that is number 1 in Switzerland, the possibility of managing your application entirely online (even the signing of the credit agreement), face-to-face in our offices or both, depending on what suits you.

With us, it's a determination to make decisions that are in your best interest. Whether we work together or not, our priority is to provide you with a solution or response that will respect your needs and financial means.

We told you so. We're here for you. Thank you again for your trust!

 

 

 

 

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