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ACF Services SA

Home improvement and renovation loan

Kitchen, bathroom, energy renovation or outdoor improvements: we find the financing best suited to the scale of your project.

At a glance

  • 01

    The right formula

    A personal loan for smaller jobs, mortgage financing for larger projects.

  • 02

    The right amount

    We base the financing on your quotes, so you never borrow more than necessary.

  • 03

    Energy renovation

    We guide you towards the subsidies available for insulation, heating or solar.

  • 04

    A controlled timetable

    Funds are planned to be available when your contractors need them.

Depending on the amount and your situation, there are several ways to finance building work: a personal loan, an increase in your mortgage if you are a homeowner, or a combination of the two.

We compare these options in terms of rate, term and impact on your budget. For energy renovations, we also point out the cantonal and federal subsidies that can reduce the amount you need to finance.

Our approach

Projects we regularly finance

  • Kitchen or bathroom renovation
  • Insulation, windows and heating replacement
  • Solar panel installation
  • Loft conversion, terrace or garden
  • Refurbishing a property after purchase

How much would your project cost?

Adjust the amount and the term to get a first estimate. We then compare offers from our partner banks for you.

Granting credit is prohibited if it leads to the consumer's over-indebtedness (art. 3 UCA).

Example: for a loan of CHF 10'000 over 12 months, at an effective annual rate of 9.95%, the total interest cost is CHF 523.31.

All loans are subject to review and approval of the application.

CHF 30'000
48 months

Estimated monthly payment

CHF 727.15/ month

Indicative effective annual rate
7.9 %
Total interest cost
CHF 4'903.44
Get a personalised offer

Indicative calculation only, not an offer. The final rate depends on your profile and on the bank's decision.

Frequently asked questions

Let's talk about your project.

A first conversation that is free, with no obligation, in your language.