Financing

Car leasing in French-speaking Switzerland

Drive the car you want for a fixed monthly payment. Adjust the term, the mileage and the down payment until the figure suits you.

Work out your monthly payment

Enter the vehicle price and move the sliders. The figure updates as you go.

CHF 43'900
CHF 5'000CHF 480'000

Contract length

Annual mileage

CHF 4'500(10 %)

CHF 472.-/month

Effective annual rate
5,99 %
Total of payments
CHF 28'317

Get this offer

Three short steps: your details, then a few questions to prepare your application.

WhatsApp

Your details are only used to get back to you. Nothing is submitted on your behalf and you commit to nothing.

Step 1 of 3

Your details

So we can call you back with a costed offer. Your simulation is attached to the request.

The amounts shown are indicative and non-binding, subject to approval of your application by the finance company. All amounts are in Swiss francs, including 8.1% VAT. Comprehensive insurance is mandatory for the full term of the contract. Financing offered with Cembra Money Bank.

Granting credit is prohibited where it would lead to the consumer's over-indebtedness (art. 3 UCA).

Financing

Our vehicles available on lease

Every payment below is calculated on the actual vehicle, with a 10% down payment and 10'000 km per year.

VW Golf 7.5RTOPLeasing

VW Golf 7.5R

Volkswagen Golf 7.5 R Performance Discover this superb Volkswagen Golf 7.5 R Performance, combining performance, versatility and elegance. Equipped with the famous 2.0 TSI 4-cylinder, associated with 4MOTION all-wheel drive and DSG gearbox, it offers remarkable performance while remaining perfectly suited to everyday use. The R Performance finish provides a particularly sporty and exclusive configuration, with complete equipment and a careful presentation. 🔹 2.0 TSI – R Performance 🔹 4MOTION all-wheel drive 🔹 DSG automatic transmission 🔹 Sporty look and R finish 🔹 Very well maintained vehicle 🔹 Warranty available An ideal vehicle for those looking for a sporty, high-performance and versatile compact, with the emblematic character of the Golf R. 📍 Available immediately at Swiss Mcars 📞 Contact us for more information or to arrange a visit and test drive.

2019
Petrol
109'000 km
310 HP
Automatic
7.1/100
CHF 26'900.-from CHF 291.-/monthView more →

How it works

01

You choose the car

From our stock, or elsewhere: we also import the vehicle you are looking for.

02

You set the payment

Term, mileage, down payment. You adjust until the figure fits your budget.

03

We prepare the application

An ID document and three payslips. We put everything together with you, so you fill in nothing on your own.

04

You drive away

Registration, plates, insurance introduction: we handle the paperwork.

What to know before signing

The term

From 12 to 60 months. The longer the contract, the lower the payment, but the more the financing costs overall.

The down payment

Optional. Every franc paid up front lowers the monthly figure. Allow 10 to 20% for a comfortable application.

The buyout value

What the vehicle is worth at the end of the contract. You buy it at that price, hand it back, or move on to another car.

The mileage

You pick an annual allowance. Going over is billed at the end of the contract: better to allow more than less.

Insurance

Comprehensive insurance is mandatory for the full term of the contract. We put you in touch with our partner.

Trading in your car

We take your current vehicle and deduct its value from the down payment. Free valuation, no obligation.

Lease, loan or cash: which one for you

Three ways to finance the same car, three different logics. Here is how they compare, plainly.

LeaseCar loanCash
Money up frontOptional down payment, often 10 to 20%None, as a ruleThe full price
What you pay each monthThe use of the car over the period, not the whole carRepayment of the full price, interest includedNothing
Who owns the carThe finance company, until you buy it outYou, from day oneYou, from day one
At the endYou buy it, hand it back, or change carThe car is yours, with its resale valueThe car is yours
Who it suitsChanging car every three or four years without tying up cashKeeping the car long term and owning itHaving the cash and not wanting to pay interest

One point few people know: comprehensive insurance is mandatory for the whole term of a lease. Budget for it monthly, it often runs to a hundred francs or so.

A fourth route: taking over a lease already under way

Someone has already paid the down payment and absorbed the first year of depreciation. You take over their contract where it stands, for the time that remains. It is often the cheapest way into a recent car.

See lease takeovers

Frequently asked questions

Frequently asked questions
There is no official minimum. The finance company checks that the payment remains sustainable once your fixed costs are deducted: rent, insurance, taxes, other credit. In practice, a payment above a sixth of your net income rarely goes through. We look at it together before submitting anything.
Yes, and that applies to most of our stock. Finance companies generally accept a vehicle that will be no more than ten years old and 200,000 kilometres at the end of the contract. An older car can be financed with a standard loan rather than a lease.
Three options, and nothing is decided in advance: you buy the vehicle at its residual value, you hand it back, or you start a new lease. The buyout value is written into the contract from the outset, so you know exactly what you are committing to.
Yes. Swiss residence and a valid permit are required; the conditions then depend on how long the permit runs and how long you have been in your job. It is a common situation in French-speaking Switzerland and we know how to handle it. Let us talk before putting the application together.
Yes, and we regularly have some available. You take over an existing contract on its terms, once the finance company approves the transfer. It is often the most affordable way into a recent vehicle, since the first holder has already absorbed the steepest part of the depreciation.
48 working hours as a rule. We prepare the application with you and send it straight to our financing partner. You hear back as soon as the answer arrives, whether it is positive or not.

Got a vehicle in mind?

Send us the model and your monthly budget. We will come back with a costed offer.