Car loan: your car. Your rules.
New or used — with a car loan, the vehicle is yours from day one. Drive as many kilometers as you want, and insure it the way that works for you.
- Ownership from day 1 — sell it or keep it, you decide
- No mileage limit, no return fees
- Full-coverage insurance optional, not required — saving you money every year
Do you have outstanding debt collection proceedings or loss certificates? *
Granting a loan is prohibited if it leads to over-indebtedness (Art. 3 of the Swiss Federal Act against Unfair Competition (UWG)).
The concrete comparison
Car loan or leasing?
Leasing looks cheaper at first glance — over the full ownership period, the math often looks different.
| Car loan | Leasing | |
|---|---|---|
| Vehicle ownership | You, from day 1 | Leasing company |
| Mileage limit | None | Yes, surcharge per km |
| Full-coverage insurance | Optional | Required for the entire term |
| Selling / early exit | Possible at any time | Costly, often with residual-value risk |
| Cash discount at the dealer | Always negotiable | Usually not available |
| Debt interest on your tax return | Deductible | Not deductible |
More detail in the guide: Leasing or car loan — which is right for you?
How it works
Three steps to your car.
Submit your application
Online in about 2 minutes. You only need an ID and a payslip — no purchase agreement required yet.
Decision in 24 h
We find the right partner bank. With approval in hand, you negotiate at the dealership like a cash buyer.
Buy the car
After the 14-day period, the money is in your account — buy wherever you want: dealership, showroom, or a private sale.
Frequently asked questions
About the car loan.
Does the car loan also apply to used cars and private purchases?
Do I need a down payment like with leasing?
Is leasing cheaper than a car loan?
Can I sell the financed car during the term?
What happens if I can't pay an installment?
Your new car won't wait forever.
Apply in 2 minutes — free, non-binding, and discreet.