fatmanfilms is into something, asking for a loan is a record by itself on the ZEK database.

It doesn't matter if the loan application was approved or rejected, if you apply too many times, some lenders may consider it risky behavior. In your case, it seems applying 1 time was the the limit. Found the explanation in Frech, use internet translation

https://www.credit-conseil.ch/blog/r...emande-credit/

Also relevant, how did you find out that you're blocked? from trying to buy another car with a loan from another seller? That rejection is also probably now on the ZEK database.