Car Financing
Car financing in Switzerland: become the owner with tailored instalments
Finance your car purchase with a personalised loan. Fixed instalments, flexible duration and transparent conditions. Compare offers from our partners with no obligation.
Our financing partners
We work with leading credit institutions in Switzerland to offer you the best car financing conditions.
Why choose car financing carefully
Car financing lets you become the vehicle owner while paying monthly instalments. Unlike leasing, the vehicle is yours: no mileage restrictions, no return obligation.
- With financing you become the owner: free to resell or modify the car
- The instalment depends on the financed amount, duration, interest rate and deposit
- In Switzerland, consumer credit is regulated by the CCA with specific consumer protections
- A higher deposit reduces the monthly payment and total interest
- Sustainability check is mandatory: instalment max ~1/3 of income
- Comparing at least 3 offers is essential: rates and conditions vary significantly
What is car financing and how does it work in Switzerland
Car financing (or car credit) is a purpose-specific loan for purchasing a vehicle. Unlike leasing, with financing you become the car owner from the moment of purchase.
You pay fixed monthly instalments over an agreed duration (typically 12–84 months). The instalment includes capital repayment and interest.
In Switzerland, car financing for individuals is subject to the Consumer Credit Act (CCA). This guarantees the right of withdrawal within 14 days, mandatory sustainability checks and maximum rate limits.
MultimarcaGarage SA works with brand-independent credit partners to offer you the best conditions available on the Swiss market.
How car financing works step by step
The process for obtaining car financing with MultimarcaGarage:
- 1
Choose the vehicle: new or used, any brand. You can also bring an existing offer for comparison.
- 2
Define parameters: amount to finance, duration (12–84 months), deposit and instalment type (fixed or with final payment).
- 3
Feasibility check: income, CCA sustainability. Confidential and fast.
- 4
Offer comparison: proposals from our partners with rates, instalments and clear conditions.
- 5
Contract and purchase: once the best offer is chosen, credit is disbursed and the vehicle is yours.
- 6
During repayment: fixed monthly instalment until full repayment. Early repayment possible per contract terms.
At the end of financing, the vehicle is entirely yours, free from any charges.
Types of car financing available
Several financing models exist. Here are the main options from our partners:
Classic financing (fixed instalments)
Constant monthly payments throughout the contract. The most common and predictable solution.
Financing with deposit
An upfront payment reduces the financed amount, lowering instalment and total interest.
Balloon financing (residual value)
Lower instalments with a final lump sum. Ideal for a reduced monthly burden.
Used car financing
Pre-owned vehicles can also be financed with dedicated conditions.
Early repayment
The CCA provides the right to repay early with potential interest reduction.
Requirements for car financing in Switzerland
To access car financing in Switzerland, some basic requirements must be met:
- Minimum age: 18 (some partners require 20)
- Residence in Switzerland with valid permit (B, C or citizenship)
- Regular, demonstrable income
- Sustainability per CCA (instalment max ~1/3 of disposable income)
- No negative entries at ZEK or debt enforcement office
- Current debt enforcement register extract (required by many partners)
Not sure you meet the requirements? Contact us for a confidential, free check.
Trade-in and financing: reduce the instalment
Your current vehicle value can serve as a deposit to reduce the financed amount.
- Trade-in value reduces the credit amount
- Lower monthly payment with same duration
- Less total interest thanks to reduced amount
- Complete handling: trade-in + financing in one operation
Contact us for a free vehicle valuation and discover your potential savings.
Advantages of car financing with MultimarcaGarage
Request your car financing offer
Compare proposals from our partners and find the right financing. Become the owner with transparent conditions.
No obligation. Response within 24 hours with personalised offer.
Frequently asked questions about car financing
Request your financing consultation
In three steps, we find the ideal car financing for you.
Choose the vehicle
Tell us which car interests you
Offer comparison
We compare credit offers from our partners
Personalised offer
Clear offer with instalment, duration and rate
Car financing Switzerland: fixed instalments, immediate ownership, independent partners. Free consultation.