Frequently asked questions.

Overview.

GENERAL INFORMATION.

We offer flexible, tailor-made financing solutions in the fields of leasing and credit for both cars and motorcycles, regardless of the manufacturer or brand. Our range of products is available for both new and used vehicles.

With payment protection insurance, you are insured against inability to make payments due to any accident, illness or disability that occurs through no fault of your own. We provide you with this insurance in cooperation with Allianz Suisse Versicherungs-Gesellschaft AG.

Payment protection insurance

Contact us at +41 58 269 66 66. We will discuss your situation with you and try to work out a solution that works for both parties.

In principle, yes. However, if you are spending longer than two months abroad, we ask that you get in touch with us in advance.

Starting from the third month of the lease, you have the option of cancelling the contract with a notice period of 30 days starting from the end of the month in which notice is given. You will then receive a final invoice in accordance with the General Contractual Terms and Conditions. The contract can also be transferred to a new lessee.

INSURANCE.

When leasing new and used vehicles, fully comprehensive insurance must be taken out. If you are buying on finance, we will be happy to examine the possibility of a partial coverage for you. You can find an overview of our insurance products here.

FINANCING.

We offer flexible financing solutions that are individually tailored to your budget and vehicle type. In addition, you also benefit from our many years of experience and our track record of great service.

Based on the cash purchase price, own funds, the duration of the contract, the effective annual interest rate, the mileage and the residual value. In the case of a loan, the monthly rate is determined by the cash purchase price, own funds, the duration of the contract and the effective annual interest rate. With Select financing, the agreed final instalment is also included in the calculation.

In principle, you are not obligated to make a down payment. However, we reserve the right to request a down payment or other appropriate collateral after carrying out a credit check.

Select vs. buying on finance: With both of these financial products, ownership is transferred to you from the beginning. However, with Select you have the option of returning the vehicle to the dealer at the end of the contract. In addition, the monthly rate for Select is lower than that of the buying on finance option, because with Select, a final instalment can be agreed.

Buying on finance vs. leasing: When you buy on finance, ownership of the vehicle is transferred to the customer at the beginning. With leasing, ownership remains with the leasing company, and you only pay for the use of the vehicle. With buying on finance, you may be able to deduct the interest on the debt from your tax return, depending on where you live. With leasing, the vehicle does not have to be declared as an asset.

Leasing vs. Select: With Select, ownership of the vehicle is transferred to you at the beginning. You may be able to deduct the interest on the debt from your tax return, depending on where you live. With leasing, the vehicle does not have to be declared as an asset.

Leasing is a modern and very popular form of financing. Today, one in two new cars are financed through leasing. Leasing is similar to renting, because with leasing you are also using something without becoming its owner. This means that you only pay for the use of the vehicle and you are not exposed to any other financial risks (e.g. risk of depreciation).

The duration of a lease agreement depends on how long you want to use the vehicle. The average length of a lease agreement is 12 to 60 months.

The lease agreement is tailored to your specific wishes and needs. When calculating the leasing rate, following factors are taken into account: the cash purchase price, the initial down payment, the duration of the contract, the mileage per year, the residual value of the vehicle and the effective annual interest rate.

The lease agreement will be dissolved automatically. You will then receive a final invoice in accordance with the General Contractual Terms and Conditions. However, there will be no additional costs for you as the lessee, as long as the limit of liability of the insurance is high enough and the benefit is not reduced.

With Select, the instalments initially only pay for the loss in value, similar to leasing. Repayment is limited to the difference between the purchase price and the final instalment.

You can choose from the following options:

  • You pay the final instalment and keep the vehicle
  • You simply continue to finance the vehicle
  • You return the vehicle (buy-back guarantee from the dealer)
  • You take out a new finance product on a new vehicle.