Car loans – simple, fast, and flexible

In Switzerland, there are several banks and financial institutions that offer car loans. The choice of the best bank for a car loan depends on various factors, such as interest rates, loan conditions, and customer service.

This is where AS Finanz comes into play. As a loan intermediary, AS Finanz offers the crucial advantage of comparing offers from different banks for the customer, thus finding the best option for them.

Working with AS Finanz provides the following benefits:

1. Extensive comparison: AS Finanz has access to a variety of banks and financial institutions, allowing for a comparison of the conditions from different providers. This way, the customer receives the best offer that meets their individual needs.
2. Time savings: By collaborating with AS Finanz, the customer saves time, as they do not have to gather and compare offers from various banks themselves.
3. Expertise: AS Finanz has extensive knowledge in the area of car loans and can therefore provide advisory support to the customer in selecting the right offer.
4. Individual support: AS Finanz places great importance on personal consultation and addresses the specific needs and wishes of the customer. This facilitates the decision-making process and leads to an optimal loan solution.
5. Independence: Since AS Finanz operates independently of banks, you can be assured that the recommendations are solely in the interest of the customer.

Overall, AS Finanz as a loan intermediary is an excellent choice for customers looking for the best car loan in Switzerland. Through extensive comparison and personalized advice, customers receive the appropriate offer that aligns with their requirements and financial capabilities.

A car loan can be a sensible option in many cases, especially when considering the advantages over leasing. Here are some reasons why a car loan can be a good choice:

1. Ownership: Unlike leasing, where the vehicle typically needs to be returned at the end of the contract term, with a car loan, the car belongs to the buyer. Once the loan is fully repaid, the buyer has unrestricted ownership of the vehicle and can freely decide how to use and sell it.
2. Flexibility: A car loan often offers more flexibility regarding the term and repayment conditions. The borrower can adjust the term and monthly payments to their financial situation and often has the option to make extra repayments or pay off the loan early.
3. No mileage limits: Leasing contracts often come with mileage limits, which can lead to additional costs if exceeded. With a car loan, there are no such restrictions, allowing the vehicle owner to decide how many kilometers they want to drive freely.
4. No hidden costs: Leasing contracts can incur additional costs, such as for vehicle return or damages. With a car loan, the costs are clearer, as they only involve loan repayment and interest.

AS Finanz, as a loan intermediary, offers excellent free support to find the best deal for a car loan:

1. Comprehensive comparison: AS Finanz compares loan offers from various banks and financial institutions to determine the best option for the customer.
2. Time savings: The customer saves time, as they do not have to gather and compare offers from different banks themselves.
3. Expertise: AS Finanz has extensive knowledge in the area of car loans and can provide advisory support to the customer in selecting the right offer.
4. Individual support: AS Finanz places great importance on personal consultation and addresses the specific needs and wishes of the customer to find the optimal loan solution.

In summary, a car loan is sensible in many cases, especially due to its advantages over leasing. AS Finanz, as a loan intermediary, offers excellent free support to find the best offer for a car loan and assists the customer in selecting the right loan.

Whether it is cheaper to finance a car with a loan or lease it depends on various factors, such as personal financial situation, vehicle type, loan or leasing conditions, and individual preferences. Here are some considerations that can be helpful in the decision-making process:

1. Ownership: With a car loan, the vehicle belongs to the buyer as soon as the loan is fully repaid. In contrast, with leasing, the car typically belongs to the leasing company, and the lessee returns it at the end of the contract term. If you want to own the vehicle at the end of the term, a loan may be the cheaper option.
2. Monthly costs: Lease payments are generally lower than the monthly payments for a car loan, as you are essentially paying only for the use of the car during the contract term. If lower monthly costs are important to you, leasing may be cheaper.
3. Down payment: A down payment is often required for a car loan, while leasing may require no or only a small down payment. If you have less money available for the down payment, leasing could be a more affordable option.
4. Vehicle usage: Leasing contracts often come with mileage limits, which can lead to additional costs if exceeded. With a car loan, there are no such restrictions. If you drive many kilometers, a loan may be cheaper.
5. Vehicle change: If you want to drive a new car regularly, leasing may be more attractive, as you can simply lease a new vehicle at the end of the contract term. With a loan, you are responsible for selling or trading in the vehicle if you want to buy a new one.

There is no one-size-fits-all answer to which option is cheaper, as it depends on individual circumstances and needs. It is advisable to carefully review and compare the costs and conditions of both options to make the best decision for your situation.