Your car loan, maximum freedom for your mobility.
Planning to buy a new vehicle? Perhaps you need more space for your family, want to upgrade to a newer model, or replace your current car. The question often arises: leasing or loan?
Finance Independently Instead of Being Tied Down
Once you've chosen your dream vehicle, it's all about the right financing. Leasing is often offered for new cars. But a car loan deserves a closer look, because it gives you significantly more freedom of choice.
With a loan, you choose the vehicle, dealer, and terms yourself. You're not tied to specific brands, mileage packages, or return conditions.
Your Advantages with a Car Loan
Whether it's a:
- New car
- Used car
- Year-old car
- Sports car or family car
- Motorcycle or motorhome
You decide what gets financed, regardless of manufacturer or dealer.
Ownership from the beginning
With a car loan, the vehicle belongs to you from the start. That means:
- No mileage limits
- No usage restrictions
- No mandatory down payment
- Free choice of insurance
- Freedom to sell at any time
You decide how long you want to drive your vehicle and what happens afterwards.
Loan or Leasing, Which Fits Better?
A cash purchase is usually the most cost-effective option. But if that's not possible, a car loan often offers more flexibility than leasing.
Full Control Over Your Mobility
You benefit from fixed, predictable payments and remain independent in your decisions. No return disputes, no hidden extra costs, just full control over your mobility.
Your Vehicle, Your Decision
This way, your new vehicle becomes not just a practical means of transport, but a conscious, self-determined decision.
Effective annual interest rate: 4.7%–9.95%. Representative example: Loan amount CHF 10,000, term 48 months, effective annual interest rate 7.9%, monthly instalment CHF 242.05, total cost CHF 11,618.40. Interest rates from 4.7% for homeowners. 123CREDIT GmbH is a licensed credit broker (not a lender) under the Consumer Credit Act (KKG).