Car Leasing for Individuals
Car leasing in Switzerland: drive your car with a clear, flexible monthly payment
Discover car leasing for individuals in Switzerland. Transparent monthly payment, brand-independent partners and personalised consultation. Compare offers with no obligation.
Our leasing partners
We work with leading leasing institutions in Switzerland to offer you the best conditions, regardless of the vehicle brand.
Why choose car leasing carefully
Car leasing is one of the most popular solutions in Switzerland to drive a new or recent vehicle without purchasing it. But not all leases are equal: conditions, restrictions and costs can vary enormously.
- The monthly payment depends on duration, residual value, annual km and interest rate
- The vehicle remains property of the leasing company until end of contract
- Excess mileage, damage and excessive wear can generate additional costs at return
- Comprehensive insurance is almost always mandatory with leasing
- In Switzerland, private leasing is subject to the Consumer Credit Act (CCA)
- Comparing at least 3 offers is essential for the best conditions
What is car leasing and how does it work
Car leasing is a contract where a leasing company purchases the vehicle of your choice and makes it available to you in exchange for a monthly payment. You do not become the owner: at the end of the contract you return the car (or buy it out, if provided in the contract).
The monthly payment is calculated on the difference between the purchase price and the expected residual value at contract end, spread over the duration plus interest rate. Typical durations range from 24 to 60 months, with agreed annual mileage (e.g. 10,000, 15,000 or 20,000 km).
Private leasing in Switzerland is governed by the Consumer Credit Act (CCA). This means credit sustainability is verified and specific consumer protections exist, such as the right of withdrawal within 14 days.
MultimarcaGarage SA works with brand-independent leasing partners, meaning you can finance any vehicle — new or used — at the best conditions available on the Swiss market.
How car leasing works step by step
Here is the typical process to activate car leasing in Switzerland with MultimarcaGarage:
- 1
Choose the vehicle: new or used, any brand and model. You can also bring an existing offer for comparison.
- 2
Define parameters together: duration (24–60 months), annual mileage, optional deposit and desired residual value.
- 3
Feasibility check: we verify income, sustainability and CCA requirements. Confidential and fast.
- 4
Offer comparison: we present proposals from our leasing partners with transparent conditions.
- 5
Contract signing: once the best offer is chosen, you proceed with signing. The vehicle is prepared and delivered.
- 6
During the contract: you pay the monthly instalment, maintain the vehicle in good condition and respect agreed mileage.
At contract end, you can return the vehicle, buy it out (if agreed) or start a new lease on a different car.
What car leasing typically includes
Each leasing contract may include different elements. Here are the main aspects to consider:
Fixed monthly payment
Constant amount for the entire contract duration, calculated on price, duration, km and rate.
Comprehensive insurance
Almost always mandatory with leasing. Covers vehicle damage, theft and natural events.
Agreed mileage
Annual km agreed (e.g. 10,000–20,000). Excess is charged per additional km.
Residual value
Estimated vehicle value at contract end. Directly influences the monthly payment amount.
Purchase option
Some contracts provide the option to buy the vehicle at lease end at the residual value.
Requirements for car leasing in Switzerland
To access private car leasing in Switzerland, some basic requirements must be met:
- Minimum age: 18 or 20 years (varies by partner)
- Residence in Switzerland with valid residence permit (B, C or citizenship)
- Regular, demonstrable income (pay slips or tax return)
- Credit sustainability per CCA (payment max ~1/3 of disposable income)
- No negative entries at ZEK or debt enforcement office
- Minimum permit duration compatible with leasing duration
Not sure you meet the requirements? Contact us for a confidential, free check before proceeding.
Trade-in and leasing: how to reduce the payment
If you have a vehicle to trade in, its value can be used as a deposit or to reduce the leasing payment.
- Trade-in value reduces the financed amount
- Lower monthly payment with same duration and conditions
- Free, no-obligation valuation of your current vehicle
- Complete handling: trade-in + new lease in one operation
Contact us for a free vehicle valuation and find out how much you can save on your new lease.
Advantages of car leasing with MultimarcaGarage
Request your car leasing offer
Compare proposals from our partners and find the car lease that best suits your needs. Free consultation, no obligation.
No obligation. We respond within 24 hours with a personalised offer.
Frequently asked questions about car leasing
Request your leasing consultation
In three simple steps, we find the ideal car lease for your needs.
Choose the vehicle
Tell us which car interests you or ask our team for advice
Offer comparison
We compare proposals from our leasing partners for you
Personalised offer
You receive a clear offer with payment, duration and transparent conditions
Car leasing for individuals in Switzerland: flexible payment, independent partners, personalised consultation. No obligation.