If a payment is hard to make

It happens. Tell us early, before the due date if you can. In the chat, a person from our team reads your message and looks at it with you.

The chat opens from its button at the bottom right of every page of this site. A person from our team answers, at any hour.

What to do now

Check your next payment
Your loan page in your account shows the amount under “Next payment”.
Tell us
In the chat, write it in your own words. You don’t need to explain everything at once.
Read our answer
In the chat during its hours, or by email outside them.

If several bills are hard to pay, a debt advice service can look at your whole budget with you. Every canton has public debt advice offices.

The free hotline of Schuldenberatung Schweiz, the umbrella organisation of the non-profit debt advice offices

Monday to Thursday, 10:00 to 13:00

Source: Schuldenberatung Schweiz, schulden.ch, read on 8 October 2026.

Be wary of anyone who offers a fast loan, or to clear your debts, for an upfront fee.

If you missed a payment with another lender, our guide explains what usually happens next.

Debt help in Switzerland
Every canton has debt advice offices, and the hotline 0800 708 708 is free. What to do first, how debt collection works, and the ways out of debt.
Missed a loan payment
What happens in Switzerland after a missed loan payment, from late interest to the IKO report and debt collection, what to do now and where to get help.
Making a budget
How to make a monthly budget in Switzerland: what to count, how to spread yearly bills, rules of thumb from Budgetberatung Schweiz, and where to get help.

Write to us in the chat, before the due date if you can. A person from our team reads every message.