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Personal credit and leasing

Swiss law regulates this market more strictly than people think: a capped rate, a compulsory affordability check, a right of withdrawal. Knowing that framework beats comparing monthly instalments.

What the law requires

The federal consumer credit act caps the maximum permissible rate, set by the Federal Council and subject to revision. It also requires an assessment of your ability to repay: credit granted without that assessment can be challenged.

You have a fourteen-day right of withdrawal after conclusion, with no reason and no cost. That period is the best protection against a signature given on the spot, and it is forgotten the moment you leave the counter.

Leasing or credit

Under a lease the vehicle is not yours: you pay for its use, full casco is required in practice, and the residual value decides what happens at term. Exceeded mileage or damage judged beyond normal wear is billed on return.

Credit makes you owner immediately and leaves you free on insurance and resale, at a generally higher cost of capital. The only figure that lets you compare the two is total cost over the whole term, everything included.

What drives the price

  • The effective annual rate, the only comparable figure between two offers.
  • The term, which inflates total cost even at an identical rate.
  • Attached insurance, often optional despite how it is presented.
  • The residual value, for a lease.

We show no tariffs on this page. Unlike LAMal premiums, no public register publishes prices for this branch: they depend on your profile and are calculated case by case. Quoting a figure here would be an invention.

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