Vehicle Financing
Vehicle financing solutions in Switzerland: leasing, credit and tailored options
Leasing or financing? Compare the best solutions for your vehicle in Switzerland. Free consultation, brand-independent partners and transparent conditions.
Our financing partners
We work with leading financing and leasing institutions in Switzerland to offer you the best conditions, regardless of the vehicle brand.
Why choose vehicle financing carefully
Buying or using a vehicle is an important financial decision. Leasing and financing have different implications for ownership, costs and flexibility. Choosing the right solution means saving money and avoiding surprises.
- Leasing and financing are not the same: ownership, costs and constraints change radically
- The monthly payment is not the only cost: watch for residual value, included km and mandatory insurance
- In Switzerland, leasing for private individuals is governed by the Consumer Credit Act (CCA)
- The wrong financing can impact your credit rating and ability to obtain other loans
- Comparing multiple offers is essential: rates, terms and conditions vary enormously between partners
- Trading in your current vehicle can significantly reduce the deposit or monthly payment
What is vehicle financing and how does it work in Switzerland
Vehicle financing covers all solutions that allow you to buy or use a car without paying the full amount upfront. In Switzerland, the two main options are leasing and credit/financing.
With leasing, the vehicle remains the property of the leasing company: you pay a monthly instalment for its use and return the car at the end of the contract (or buy it out, if agreed). The instalment is calculated based on duration, residual value, annual kilometres and interest rate.
With financing/credit, you become the owner of the vehicle (immediately or upon full payment). You pay fixed instalments over an agreed period. Typical requirements in Switzerland include: minimum age, Swiss residence, valid residence permit, regular income and credit sustainability.
There are also hybrid solutions and branded products from our partners (e.g. EasyKauf, protection packages) that combine elements of leasing and financing with additional services such as insurance and maintenance included.
Leasing vs financing: which one to choose?
The choice between leasing and financing depends on your priorities: flexibility, ownership, monthly costs or long-term investment.
Leasing
- You do not become the owner: you use the vehicle and return it at the end of the contract
- Monthly payment generally lower than financing
- Restrictions on annual mileage and vehicle condition
- Comprehensive insurance often mandatory
- Ideal for those who change cars every 3–5 years
- Option to purchase at end of contract (if agreed)
Financing / Credit
- You become the owner of the vehicle
- Monthly payment generally higher, but the vehicle is yours
- No restrictions on mileage or wear
- More freedom on insurance and maintenance
- Ideal for long-term ownership
- Free to resell at any time
There is no universal answer: the best choice depends on your financial situation, the type of vehicle and the intended use. Our consultants help you evaluate both options with no obligation.
Private or business: different solutions for different needs
Financing options vary based on client profile. Here is how we adapt to your needs.
For private individuals
Looking for the right monthly payment for your next car? We help you find the ideal solution.
- Affordable and transparent monthly payment
- Leasing or financing with no deposit
- New or used car in monthly instalments
- Advice on requirements (income, permit, CCA)
For businesses and fleets
Optimise your business liquidity and manage your vehicle fleet with dedicated solutions.
- Operational leasing for company fleets
- Tax optimisation and cost management
- Scalable solutions for fleets of any size
- Full-service: maintenance, insurance and management included
Our financing solutions
Explore the available options and find the one that best suits your situation.
Car leasing for individuals
The most flexible solution to drive the car you want with a clear, predictable monthly payment.
Car financing
Become the owner of your car with a tailored loan: fixed instalments, flexible duration.
Business and fleet leasing
Dedicated solutions for businesses: manage your fleet without tying up capital.
Used car leasing
Used cars can be financed too: discover leasing for pre-owned vehicles.
Leasing with no deposit
No upfront payment: start driving your new car immediately with zero deposit.
Trade-in: how to reduce financing costs
Trading in your current vehicle is a powerful tool to optimise any financing solution.
- Reduces the deposit or initial lump sum
- Decreases the total financed amount
- Can significantly lower the monthly payment
- Positively impacts the leasing residual value
- Simplifies the transition to the new vehicle
We evaluate your current vehicle for free and integrate the value into the financing or leasing proposal. Contact us for a no-obligation valuation.
Why choose MultimarcaGarage for financing
Request a free financing consultation
Whether you are considering leasing or financing, the first step is understanding which solution best fits your situation. Contact us with no obligation.
No obligation. We respond within 24 hours with a personalised proposal.
Frequently asked questions about vehicle financing
How our consultation works
In three simple steps, we help you find the ideal financing solution for your vehicle.
Needs analysis
We evaluate together the vehicle type, budget and your preferences (leasing or ownership)
Offer comparison
We compare proposals from our partners and present you the best options
Tailored proposal
You receive a personalised proposal with clear and transparent conditions
Flexible solutions for every need: leasing, financing, new and used cars, private and business. Independent comparison among Swiss partners.