Leasing is expensive and limiting

Leasing a car involves entering into a long-term agreement and paying interest for the term of the lease.
You are obliged to take out full casco insurance for the entire term. These premiums can be expensive, particularly for young drivers. You can find out exactly how much you would pay by comparing car insurance.

Leasing does not give you flexibility

Depending on the contract, you may not be allowed to lend the car to a third party or drive it abroad.
You must take the car in for maintenance and inspection checks as stipulated.
If any self-inflicted vehicle damage is found at the end of the lease, you will be required to pay for it.

Ending the car lease early will also incur costs: although the vehicle's loss of value is spread across the lease term, the rate at which vehicles depreciate is significantly higher at the start of the lease. If you break the lease, you pay this difference retroactively.

Good to know: you can deduct the interest paid on your consumer loan from your taxable income. This is not possible for vehicles leased for private use.

A personal loan may be an attractive option

You are only entitled to buy your leased vehicle at the end of the lease if a first right of refusal is stipulated in the contract.
If you purchase a car using a personal loan, you own the car from the start and can do what you like with it – sell it, for example.
It is also easy to end your contract at any time by paying off the loan early.
You are free to choose whichever car insurance you prefer and you can buy a used vehicle. These are all options not offered by leasing.

Without doubt, the cheapest way to buy a car is by using money that you've saved. If this is not possible, and there's no way of postponing the purchase, make sure you weigh up the total costs and limitations carefully.

Our comparison services – free of charge and with no obligation

What is the purchase price of your preferred car?

Lease term in months

3.90%

5.90%

Monthly lease payment

CHF

449.17

465.83

CHF

21'560.16

22'359.84

CHF

1'560.16

2'359.84

Don't forget to add full casco insurance

551.67

568.33