Leasing without down payment

Zero Down Payment Leasing in Switzerland: Truly Interesting or Just a Marketing Gimmick?

More and more advertisements are promoting leasing offers with no down payment. At first glance, it sounds tempting: drive a brand-new car without paying a single franc upfront. But is it really a good deal? At MultiCredit, we help you make smart financial decisions with a clear, transparent, and long-term perspective.

No down payment – but real limitations

Zero down payment leasing creates the illusion of easy financing. However, it often hides higher monthly payments, strict conditions (limited mileage, mandatory servicing at specific garages, penalties for minor scratches, etc.), and most importantly: no ownership at the end of the contract. You’re renting – not owning. And if you want to keep the car, you’ll have to pay its residual value… which is often steep.

Car loan without down payment: simple, clear, and in your favor

With the MultiCredit car loan, you finance your vehicle without any mandatory down payment. You become the owner from day one. You can use the car freely, sell it whenever you like, or modify it to suit your needs. No restrictions, no hidden traps.

You also benefit from fixed monthly payments known in advance, and the loan term is tailored to your budget. If you wish, you can repay your loan early, in full or in part, without any penalties.

And from a tax perspective? You’re winning too

A car loan often allows you to deduct interest from your taxes, depending on your canton and personal status. This reduces the actual cost of financing – something leasing usually doesn’t allow.

More than just financing – a smarter choice

At MultiCredit, we don’t rely on flashy offers, but instead provide realistic, customized solutions tailored to your financial situation, your mobility needs, and your long-term goals.

Need a car without emptying your bank account? A car loan with no down payment is a responsible, flexible, and often more cost-effective option. And if you already have a leasing contract, we can help you buy it out and switch to a solution that is clearer, more affordable, and gives you full control.

MultiCredit – Stay mobile. Stay in control.