Autokredit in der Schweiz: Ihre flexible Finanzierung
eny Control 

Car loan — cheaper and easier than leasing

There are numerous ways to finance your dream car. Your car dealer will probably encourage you to choose leasing. As a private individual, it is always worthwhile to choose our car loan over leasing. Apply for a car loan or replace your lease now!

Your benefits with a car loan

  • The vehicle is your property
    The vehicle belongs to you and not the garage.
  • No mileage restrictions
    Drive as much as you want without additional costs for extra kilometres
  • Flexible repayment terms
    from 6 to 84 months
  • Loan repayment possible at any time
    Car loans can be repaid at any time
  • Tax advantages
    Interest on loans is tax-deductible
  • No Service and comprehensive insurance obligations
    You choose the service garage. Comprehensive insurance is not mandatory
  • Loan Application
  • Check
  • Offer

eny Credit Insurance, the installment insurance for our online loan.

Depending on your credit rating, the annual interest rate varies between 5.90% and 11.95%. Sample calculation: An effective annual interest rate of 5.90% to 11.95% results in a monthly rate between CHF and CHF as well as total interest costs between CHF and CHF . The credit provider is eny Finance AG, headquartered in Zurich. The granting of credit is prohibited if it leads to over-indebtedness (Art. 3 UWG).
Monthly instalment in CHF

enyCredit Insurance portion

Interest rate (effective)

Sample calculation with 5.90% annual interest rate

directly online — in just 3 minutes!

You can drive better without leasing

An affordable car loan has many advantages compared to leasing.

If you're interested in a new car the dealer will be happy to calculate the monthly leasing rate. Please bear in mind that the leasing calculator only calculates a monthly fee for using the vehicle.

With a car loan - you decide

The car belongs to you from the very beginning with a car loan. That means, you have full power of disposal over the vehicle.

You don't have to rely on a particular service garage, instead you're free to choose an alternative affordable service provider. You are also not obliged to use expensive spare parts — as is the case when leasing. You decide what needs to be repaired and when, not the leasing company.

Free choice of car insurance:

You decide whether to take out full or comprehensive cover for your car. Depending on the value of the vehicle, with comprehensive cover you can save several hundred Francs.

When leasing you pay for every additional kilometre driven.

With a car loan you can make the most of tax benefits

In your tax returns, you may deduct the loan from your assets as debts and deduct the interest on the loan from your income. With a leased vehicle, no deduction of leasing costs is possible.

With vehicle financing from eny Finance you can easily finance the price of your car over a period of up to 84 months — without having to pay off any residual value.

How can I replace my lease with a loan?

If you have already opted for a leased vehicle you can still benefit from the advantages of a car loan:
If you wish, you can simply replace the remaining balance with a loan — simply and without complications.

The credit provider is eny Finance AG, headquartered in Zurich. The granting of credit is prohibited if it leads to over-indebtedness (Art. 3 UWG)

  • The maximum annual percentage rate is 9.90%.
  • Duration: 6 - 84 months

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