Lease buyout
Simulate your lease buyout and get your personalized offer
Own your vehicle with complete freedom.
Easily resell your vehicle on the second-hand market.
Get some of your money back by getting a good deal on the second-hand market. Then you can use these funds to Financing a future vehicle or other projects.
Enjoy total freedom with no mileage restrictions or penalties.
Become the owner of your vehicle with a lease buy-back. Avoid mileage penalties and use your vehicle based on your actual needs.
Keep your vehicle for as long as you need.
Lease buyout lets you keep your vehicle as long as you want, with the freedom to sell it whenever you choose.
Take Advantage of a New Tax Benefit on Loan Interest
Deduct the interest on the loan used for the buyout in your tax return. Your Credial advisor will guide you through the process.
Improve your financial situation with better budget management
Buying out a lease with a personal loan allows you to reduce fixed costs by choosing a cheaper insurance policy and avoiding the maintenance fees imposed by leasing. Loan interest is tax-deductible, helping to lower your tax burden.
Additionally, you can consolidate multiple loans into a single one, simplifying financial management and reducing your monthly payments. With a often more favorable interest rate, this solution offers greater financial flexibility.
It's the perfect opportunity to optimize your finances with the support of your Credial advisor.
Keep your financial situation under control.
Check ZEK Database Update After Lease Buyout
Your Credial advisor handles the verification of your lease closure with ZEK, preventing any issues that may arise from potential errors.
Lower your insurance and maintenance costs
Own your vehicle and choose insurance and maintenance that fit your budget, reducing your costs.
Enjoy a new tax advantage
By replacing your lease with a personal loan, you gain a new tax benefit through the deductibility of interest. Your Credial advisor will guide you through the process.
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.
How can I verify that my lease has been properly closed with the ZEK?
To ensure that your lease has been successfully settled, you should first contact the leasing organization directly. They can confirm the status of your contract. However, only by ordering a ZEK extract can you verify whether the lease has been officially reported as paid off. This verification is included in the services offered by Credial.
Is it more advantageous to buy out a lease or renew the contract?
The choice between buying out your lease or renewing it depends on your needs and financial situation. Renewing your lease means signing a new contract for a new vehicle, but you remain subject to leasing restrictions such as mileage limits, mandatory maintenance, and potential additional costs upon return.
On the other hand, a lease buyout allows you to close the contract and become the owner of the vehicle. This gives you full control: you can use it without restrictions, resell it at any time, and avoid making monthly payments without ever owning the car.
A personal loan can offer more flexible and advantageous conditions than a new lease, giving you better control over your budget.
What documents are required for a lease buyout?
To buy out your lease, you must provide a final statement issued by your leasing company, indicating the exact amount to be repaid. If you finance this buyout with a personal loan, the required documents are the same as for a loan application.
Specifically, you will need to provide a valid ID, proof of address, and your last three payslips. You can find the complete list of required documents on our dedicated page: Documents Required to Apply for a Personal Loan in Switzerland.
Once all documents are gathered, your application will be reviewed to offer you a financing solution tailored to your needs.
What is code 178?
The mention of code 178 on the driving license is actually an important restriction when it comes to the sale or transfer of a vehicle. In other words, if this code is on the license, it means that the owner of the vehicle cannot sell it or transfer it to someone else without first obtaining permission from the Automobile Office. In general, this mention is given to vehicles that have been financed through a leasing contract. Its aim is to ensure that all issues related to vehicle leasing are properly resolved prior to any sale or transfer of ownership.
