Our motto is: simple and fast. Accordingly, you can place your application directly on our website by following this link https://www.cashare.ch/en/personal_loan.html. First, choose your loan amount and term. Next we will need some information on your borrowing capacity and information for your auction. Your borrowing capacity is then automatically assessed. If it does not succeed, you have the chance to lower the requested amount or prolong the repayment period. If the check succeeds, then you simply need to send us the application with a simple click and we will take care of the rest. Please also make sure to confirm your Email address. We will send you an Email for that purpose, simply click on the button "activate account" in the Email.
This is Crowdlending
- What is crowd-lending or social lending, respectively a P2P- or peer-to-peer credit?
- What service does Cashare provide?
- Why should I lend money to other individuals via Cashare?
- What are the advantages for loaners at Cashare?
- What is Cashare?
- Who is Cashare?
First Steps
Registration
- Where can I register? How can I view current loan projects?
- Why is my email getting verified after the registration?
- How can I stay anonymous on the platform?
- Can anyone see that I am on the platform?
- Why do I need to personally identify myself?
- How can I personally identify myself?
Rating, Risk, Return
- How do I interpret the Cashare-Rating?
- What is the connection between risk and return?
- What does diversification mean?
- Where does Cashare get its information on the creditworthiness?
- Can anyone get a loan on the Cashare platform?
- What does the payment protection insurance against incapacity for work and unemployment cover if such an insurance was taken out?
Investir
- How can I invest?
- What are the minimum requirements in order to be able to bid in Cashare credit projects?
- What is the minimum amount for an investment?
- What is the difference between a SME short term loan and a SME-loan?
- How does the autoinvest help?
- Can I recall a bid?
Auto-Invest
- What is Auto-Invest and how does it work?
- What is the difference between personal choice and Auto-Invest?
- Can multiple Auto-Invest portfolios be created?
- How can I adjust the portfolio?
- Can I additionally still invest manually in loans?
- How does the Auto-Invest function put my portfolio together?
Secondary market
- Which loans can I offer on the secondary market?
- Why can I not sell short-term SME loans on the secondary market?
- What does the entry discount/premium mean?
- Where do I see the return on the loan offered?
- How can I buy a loan on the secondary market?
- What is the difference between the remaining amount and the purchase price of a loan?
Deposit
Repayment
Cashare-Account
- How can I access the Cashare Platform?
- Where can I change my password?
- Where can I change my username?
- Where can I change my email address?
- Do I get a tax statement from Cashare?
- What is the XIRR?
Recovery
- What is the interest on arrears?
- What happens in case of late payment of an instalment?
- The foreclosure has been initiated. What now?
- Debtor lodged objection with the debt collection office (DCO). What now?
- The court order dismissing the objection has been procured, what now?
- Certificate of seizure has been obtained, what's next?
