Lease or buy with financing

Changing your car is always a significant step. Whether it’s for pleasure, comfort, or everyday needs, one question quickly arises: should you lease or buy with financing? In Switzerland, both options are common – but they follow very different principles. MultiCredit helps you make a clear, informed decision.

Leasing: Attractive on the surface, restrictive in reality

Leasing creates the illusion of easy access to a new car: no need for a large upfront payment, sometimes low monthly instalments, and the possibility to change vehicles regularly. But what’s often left unsaid are the many limitations:

• You never own the car.
• Annual mileage is limited, with penalties for exceeding it.
• You’re often required to take out fully comprehensive insurance with a designated provider.
• You can’t modify or resell the vehicle.
• And at the end? Either you return the car (often with fees for wear and tear), or pay the residual value to keep it.

The result: after years of payments, you’ve spent money without owning anything.

Buying with financing: freedom from day one

With a MultiCredit car loan, the logic is entirely different. You buy the car and become the owner from day one. It’s yours – you can customize it, sell it, or keep it for as long as you like.

And above all:

• You choose the term and monthly payments based on your budget.
• You are free to choose your insurance provider.
• You can repay early, without penalties.
• You may benefit from tax deductions on the interest (depending on your situation).

The smart choice is the one that gives you freedom

At MultiCredit, we often meet clients who regret leasing: they thought it was a great deal, but ended up stuck in a contract that no longer fits their needs. On the other hand, a well-structured car loan offers flexibility, transparency, and full control over your budget.

Buying with MultiCredit means driving with confidence

We support you from A to Z: simulation, approval, paperwork – everything is designed to make your life easier. No hidden fees, no jargon. Just a clear solution tailored to your project, and friendly experts ready to help.

An article by Munur Aslan, Director of MultiCredit

Leasing or buying? Choose ownership. Choose freedom. Choose MultiCredit.