No Deposit Leasing
Car leasing with no deposit in Switzerland: start driving immediately with zero upfront payment
No deposit, no upfront payment. Discover no-deposit car leasing in Switzerland: clear monthly payment, independent partners, personalised consultation.
Our no-deposit leasing partners
We work with leasing institutions offering zero-deposit solutions so you can start driving immediately.
Why choose no-deposit leasing
No-deposit leasing is ideal for those who want to drive a new or recent car while preserving their liquidity. No upfront payment required.
- Zero deposit: no upfront payment needed to activate the lease
- Monthly payment will be slightly higher than leasing with a deposit
- Preserve liquidity for other investments, expenses or emergencies
- Duration, mileage and residual value conditions remain the same as classic leasing
- CCA verification applies normally: payment must be sustainable
- Ideal with stable income when you prefer not to tie up capital upfront
How no-deposit leasing works in Switzerland
No-deposit leasing works exactly like classic leasing, with one difference: no upfront payment is required. The monthly instalment covers the full vehicle amount (minus residual value).
The payment is slightly higher because the financed amount is larger. However, you start immediately without impacting your bank account with a lump sum.
In Switzerland, no-deposit leasing is also subject to the Consumer Credit Act (CCA). The sustainability check is based on the effective (higher) payment.
MultimarcaGarage SA compares partners offering competitive no-deposit conditions to find the best rate without upfront payment.
How to activate no-deposit leasing step by step
The process for zero-deposit leasing with MultimarcaGarage:
- 1
Choose the vehicle: new or used, any brand. No-deposit leasing is available for many models.
- 2
Define parameters: duration (24–60 months), annual km, residual value. Deposit: CHF 0.
- 3
Feasibility check: income and CCA sustainability on the effective rate (higher without deposit).
- 4
Offer comparison: proposals with zero-deposit payment and transparent conditions.
- 5
Signing and delivery: vehicle prepared and delivered. You only pay the monthly instalment.
- 6
During the contract: fixed monthly payment, no additional upfront costs.
At contract end: return, buy out (if agreed) or start a new lease — again with no deposit if desired.
What to know about no-deposit leasing
Zero-deposit leasing has some specific characteristics:
Higher payment
Without a deposit, the financed amount is larger, so the monthly payment increases.
Liquidity preserved
No immediate impact on your bank account. Only the monthly payment from month one.
Same contract conditions
Duration, mileage, residual value and mandatory comprehensive insurance are identical to classic leasing.
CCA sustainability
Check is based on the effective (higher) payment. Ensure it is sustainable relative to income.
Combinable with trade-in
Trade-in can reduce the payment even with zero-deposit leasing.
Requirements for no-deposit leasing
Same as classic leasing, with special attention to sustainability of the higher payment:
- Minimum age: 18 or 20 years
- Swiss residence with valid permit (B, C or citizenship)
- Regular income sufficient for the no-deposit payment
- CCA sustainability: payment (higher without deposit) max ~1/3 of income
- No negative entries at ZEK or debt enforcement office
- Some partners may require a higher minimum income for zero deposit
Not sure the no-deposit payment is sustainable? Contact us for a free, confidential simulation.
Trade-in + no-deposit leasing: maximum flexibility
Even with zero-deposit leasing, trading in your current vehicle can significantly reduce the monthly payment.
- Trade-in value reduces the financed amount and payment
- Zero-deposit advantage maintained + lower payment
- Free vehicle valuation
- One operation: trade-in + no-deposit leasing without complications
Contact us for a free valuation and discover how to lower your zero-deposit leasing payment.
Advantages of no-deposit leasing with MultimarcaGarage
Request a no-deposit leasing offer
Want to drive immediately without upfront payment? Compare zero-deposit offers and start with a clear payment.
No obligation. No upfront payment. Response within 24 hours with personalised offer.
Frequently asked questions about no-deposit leasing
Request no-deposit leasing consultation
In three steps, we find the ideal zero-deposit leasing for you.
Choose the vehicle
Tell us which car interests you
Payment simulation
We calculate the no-deposit payment and compare with deposit options
Personalised offer
Zero deposit, fixed payment, transparent conditions
No-deposit leasing Switzerland: start immediately, preserve liquidity, clear payment. Independent partners, free consultation.