Car loan: buy your vehicle with complete peace of mind
Enjoy a greater freedom with our car loan.
Ride as much as you want without mileage restrictions
With our car loan, enjoy the road without restrictions or additional costs. Enjoy the freedom to drive as much as you want.
Choose freely your insurance coverage
No more constraints imposed by leasing. You have the power to choose your level of insurance, whether it is civil liability (RC), partial casco or full casco. Adapt your insurance contract to precisely meet your needs, save money and drive with peace of mind.
Enjoy a loan agreement in principle with no commitment, valid for 90 days.
Once your credit is granted, you will have the option to put it waiting at no cost until you find the vehicle of your dreams. Take advantage of this financial flexibility and suspend the activation of your credit for up to 90 days. Contact our team to find out more about this option.
Resell your vehicle and payback your loan without penalty whenever you want
You are free to sell your vehicle whenever you want and without penalties. You can then repay your loan early or use the funds for other projects.
Our car loan offers you more than just a car.
Take advantage of an additional reserve available for all extra costs.
Complete your financing with an additional cash reserve, in order to cover expenses related to your vehicle, including tires, maintenance, repairs, insurance. This option will allow you to get behind the wheel with peace of mind.
Take advantage of the Full tax deduction Interest on your car loan
Optimize your taxes by completely deducting the interest from your credit Auto of your income.
Take advantage of our loan consolidation service to ease your budget.
Thanks to the analysis of your situation, we will be able to present you with a Simulation of grouping your credits with a single monthly payment. You will thus be able to finance your vehicle while optimizing your budget.
Credit for new and used car In Switzerland
With Credial, easily finance your car, whether new or used, without constraint. You are the immediate owner, with no mileage limit, and can include ancillary costs such as insurance or maintenance. Simple and flexible, our credit adapts to your budget, with deductible interests and possible early repayment at no cost.
A dedicacted certified advisor who takes the time to support you
At Credial, we grant great importance to your experience by providing you with a dedicated certified advisor.
Our commitment is reflected in continuous investments in the training of our advisors, so that they can offer you real added value.
Your advisor will listen to your needs and will provide you with all the information you need to help you make the right decisions.
A analyse full analysis of your solvency data andde credit capacity
The analysis phase is important for the success of your financing and is part of our support.
This accurate assessment will allow you to better understand your current financial situation and precisely determine your credit capacity. Cela vous permettra dans certains cas d'éviter un refus.
A personalized credit solution tailored to your needs
Because you are unique, you deserve financing that really takes into account your needs.
Our commitment to transparency is to keep you informed every step of the way and to take the time to clearly present your financing solution to you.
The secured and confidential treatment of your data
The protection and confidentiality of your data is our priority.
We have implemented rigorous protocols for identifying, processing and storing our customers' data in order to guarantee their safety in all circumstances.
In addition, we strictly comply with the most recent laws and regulations in this area.
Can a car loan be used to finance a used car?
Yes, it is entirely possible to finance a used car with a car loan. The conditions are the same as for a new vehicle, with the loan amount adjusted based on the car's value and your repayment capacity. Whether you buy from a dealership or a private seller, a car loan allows you to become the immediate owner with no restrictions on usage. You can also include additional costs, such as maintenance or insurance, in the financing.
How can you repay a car loan early?
Early repayment of a car loan in Switzerland is straightforward and comes with no major restrictions. You can repay your loan in full or partially at any time, without excessive fees, in accordance with consumer credit law. In the case of full repayment, only the interest accrued up to the closing date is taken into account, reducing the total financing cost. Simply contact your financial institution to obtain the exact amount to be paid and finalize the transaction.
What are the requirements for obtaining a car loan in Switzerland?
To finance a car in Switzerland, you must be between 20 and 67 years old, reside in Switzerland with a B permit (for at least one year), a C permit, or be a Swiss citizen.
Additionally, you must have a minimum monthly income of CHF 3,000.
Your creditworthiness is assessed according to the Consumer Credit Act (LCC), ensuring that the loan remains suited to your budget. To apply, you only need an identity document, three recent payslips, and proof of address.
Car loans range from CHF 5,000 to CHF 80,000, with repayment terms between 12 and 84 months.
📌 Quick and easy – apply online now at Credial.ch!
What is the difference between a car loan and leasing in Switzerland?
A car loan and leasing are two options for financing a vehicle in Switzerland, but they have significant differences. With a car loan, you become the immediate owner, free to choose your insurance and sell the vehicle whenever you want. Leasing, on the other hand, means the car remains the property of the financial institution, with restrictions on mileage and maintenance.
Although leasing often offers lower monthly payments, it can lead to additional costs at the end of the contract. Car loans provide more flexibility and allow interest payments to be deducted from taxes, while leasing is better suited for those who prefer a fixed budget without the intention of owning the vehicle.
