Used and new. 24 - 60 months. Exclusively on gowago.ch

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4.75% leasing on all cars!

Welcome to the Swiss <b>Leasing Barometer</b>! Once you have decided on financing your car through leasing, the next difficult choice opens up: with which company and at what interest rate? 

![Leasingbarometer EN28NOV23](//images.ctfassets.net/1wz7s065hz5r/6lgKAdqeVFIm1XjVdgpeAu/31f5025d567a3fa6d7865b3312542ec9/Leasingbarometer_EN28NOV23.jpg)

Crucial for your ultimate decision are, among other things, the various leasing interest rates - especially during a time when interest rates are rising everywhere. In the dense leasing jungle, it is difficult to keep a clear overview anyway - and the various interest rates make this all the more difficult. 

To relieve you of this burden, we have developed the <b>Leasing Barometer</b>. This list is updated monthly so that you are always up-to-date!

## Observed Nominal interest rates of Swiss leasing providers as of 28th November 2023

<br>
<div class="table-wrapper">
<table class="table is-hoverable is-striped">
  <tbody>
   </tr>
<th align="center" width="25%"></a></th>
<th align="left"></a></th>
<th align="left">New Cars</a></th>
<th align="left"></a></th>
<th align="left"></a></th>
<th align="left">Used Cars</a></th>
<th align="left"></a></th>
    </tr>
    <tr>
<th align="center"></a></th>
<th align="left">Leasing Only</a></th>
<th align="left">plus Insurance</a></th>
<th align="left">plus Service</a></th>
<th align="left">Leasing Only</a></th>
<th align="left">plus Insurance</a></th>
<th align="left">plus Service</a></th>
    </tr>
    <tr>
  <td style="text-align:center;vertical-align:middle"><b>gowago.ch Leasing by Migros Bank</b></td>
<td style="text-align:left;vertical-align:middle">4.75%</td>
  <td style="text-align:left;vertical-align:middle">4.75%</td>
  <td style="text-align:left;vertical-align:middle">4.75%</td>
  <td style="text-align:left;vertical-align:middle">4.75%</td>
  <td style="text-align:left;vertical-align:middle">4.75%</td>
  <td style="text-align:left;vertical-align:middle">4.75%</td>
    </tr>
    <tr><td style="text-align:center;vertical-align:middle"><b></b></td>
<td style="text-align:left;vertical-align:middle"></td>
  <td style="text-align:left;vertical-align:middle"></td>
  <td style="text-align:left;vertical-align:middle"></td>
  <td style="text-align:left;vertical-align:middle"></td>
  <td style="text-align:left;vertical-align:middle"></td>
  <td style="text-align:left;vertical-align:middle"></td>
    </tr>
    <tr> <td style="text-align:center;vertical-align:middle"><b>AMAG Leasing</b></td>
<td style="text-align:left;vertical-align:middle">2.49% - 5.99%*</td>
  <td style="text-align:left;vertical-align:middle">- 0.1% - (- 0.50%)*</td>
  <td style="text-align:left;vertical-align:middle">- 0.1% - (- 0.50%)*</td>
  <td style="text-align:left;vertical-align:middle">2.49% - 5.99%</td>
  <td style="text-align:left;vertical-align:middle">0.5% - (- 1.5%)*</td>
  <td style="text-align:left;vertical-align:middle">0.5% - (- 1.5%)*</td>
    </tr>
    <tr> <td style="text-align:center;vertical-align:middle"><b>BCGE</b></td>
<td style="text-align:left;vertical-align:middle">3.75% - 3.90%*</td>
  <td style="text-align:left;vertical-align:middle"></td>
  <td style="text-align:left;vertical-align:middle"></td>
  <td style="text-align:left;vertical-align:middle">4.75% - 4.90%*</td>
  <td style="text-align:left;vertical-align:middle"></td>
  <td style="text-align:left;vertical-align:middle"></td>
    </tr>
    <tr> <td style="text-align:center;vertical-align:middle"><b>BMW Financial Services</b></td>
<td style="text-align:left;vertical-align:middle">2.94% - 3.97%**</td>
  <td style="text-align:left;vertical-align:middle"></td>
  <td style="text-align:left;vertical-align:middle"></td>
  <td style="text-align:left;vertical-align:middle">6.2%-6.86%**</td>
  <td style="text-align:left;vertical-align:middle"></td>
  <td style="text-align:left;vertical-align:middle"></td>
    </tr>
    <tr> <td style="text-align:center;vertical-align:middle"><b>CA Auto Finance</b></td>
<td style="text-align:left;vertical-align:middle">5.74%**</td>
  <td style="text-align:left;vertical-align:middle"></td>
  <td style="text-align:left;vertical-align:middle"></td>
  <td style="text-align:left;vertical-align:middle"></td>
  <td style="text-align:left;vertical-align:middle"></td>
  <td style="text-align:left;vertical-align:middle"></td>
    </tr>
    <tr> <td style="text-align:center;vertical-align:middle"><b>Cembra</b></td>
<td style="text-align:left;vertical-align:middle">7.99%</td>
  <td style="text-align:left;vertical-align:middle"></td>
  <td style="text-align:left;vertical-align:middle"></td>
  <td style="text-align:left;vertical-align:middle">7.99%</td>
  <td style="text-align:left;vertical-align:middle"></td>
  <td style="text-align:left;vertical-align:middle"></td>
    </tr>
    <tr> <td style="text-align:center;vertical-align:middle"><b>Emil Frey / MultiLease</b></td>
<td style="text-align:left;vertical-align:middle">2.9% - 6.75%*</td>
  <td style="text-align:left;vertical-align:middle"></td>
  <td style="text-align:left;vertical-align:middle"></td>
  <td style="text-align:left;vertical-align:middle">3.99% - 6.35%*</td>
  <td style="text-align:left;vertical-align:middle"></td>
  <td style="text-align:left;vertical-align:middle"></td>
    </tr>
    <tr> <td style="text-align:center;vertical-align:middle"><b>Ford Credit (mit Bank Now) </b></td>
<td style="text-align:left;vertical-align:middle">0% - 6.16%**</td>
  <td style="text-align:left;vertical-align:middle"></td>
  <td style="text-align:left;vertical-align:middle"></td>
  <td style="text-align:left;vertical-align:middle">6.16% - 7.22%**</td>
  <td style="text-align:left;vertical-align:middle"></td>
  <td style="text-align:left;vertical-align:middle"></td>
    </tr>
    <tr> <td style="text-align:center;vertical-align:middle"><b>Leaseforce</b></td>
<td style="text-align:left;vertical-align:middle">7.75%</td>
  <td style="text-align:left;vertical-align:middle"></td>
  <td style="text-align:left;vertical-align:middle"></td>
  <td style="text-align:left;vertical-align:middle">7.75%</td>
  <td style="text-align:left;vertical-align:middle"></td>
  <td style="text-align:left;vertical-align:middle"></td>
    </tr>
<tr> 
<td style="text-align:center;vertical-align:middle"><b>Leaseteq</b></td>
<td style="text-align:left;vertical-align:middle">1.99% - 5.49%*</td>
  <td style="text-align:left;vertical-align:middle"></td>
  <td style="text-align:left;vertical-align:middle"></td>
  <td style="text-align:left;vertical-align:middle"></td>
  <td style="text-align:left;vertical-align:middle"></td>
  <td style="text-align:left;vertical-align:middle"></td>
    </tr>
    <tr> <td style="text-align:center;vertical-align:middle"><b>Mercedes Benz Financial Services</b></td>
<td style="text-align:left;vertical-align:middle">1.9% - 4.4%*</td>
  <td style="text-align:left;vertical-align:middle"></td>
  <td style="text-align:left;vertical-align:middle"></td>
  <td style="text-align:left;vertical-align:middle">5.69%**</td>
  <td style="text-align:left;vertical-align:middle"></td>
  <td style="text-align:left;vertical-align:middle"></td>
    </tr>
    <tr> <td style="text-align:center;vertical-align:middle"><b>Mobilize (RCI) Finance</b></td>
<td style="text-align:left;vertical-align:middle">3.99% - 6.99%</td>
  <td style="text-align:left;vertical-align:middle">0% - 4%*</td>
  <td style="text-align:left;vertical-align:middle">0% - 4%*</td>
  <td style="text-align:left;vertical-align:middle">6.99%**</td>
  <td style="text-align:left;vertical-align:middle"></td>
  <td style="text-align:left;vertical-align:middle"></td>
    </tr>
      <tr> <td style="text-align:center;vertical-align:middle"><b>Multi Lease</b></td>
<td style="text-align:left;vertical-align:middle">3.99% - 6.75%*</td>
  <td style="text-align:left;vertical-align:middle">0.24% - 5.50%*</td>
  <td style="text-align:left;vertical-align:middle">0.24% - 5.50%*</td>
  <td style="text-align:left;vertical-align:middle">3.9% - 6.35%*</td>
  <td style="text-align:left;vertical-align:middle"></td>
  <td style="text-align:left;vertical-align:middle"></td>
    </tr>
    <tr>
  <tr> <td style="text-align:center;vertical-align:middle"><b>Santander Consumer Finance Schweiz</b></td>
<td style="text-align:left;vertical-align:middle">6.69%*</td>
  <td style="text-align:left;vertical-align:middle"></td>
  <td style="text-align:left;vertical-align:middle"></td>
  <td style="text-align:left;vertical-align:middle">6.69%*</td>
  <td style="text-align:left;vertical-align:middle"></td>
  <td style="text-align:left;vertical-align:middle"></td>
    </tr>
     <tr>
  <td style="text-align:center;vertical-align:middle"><b>Sixt Leasing by Allane Fleet</b></td>
<td style="text-align:left;vertical-align:middle">2.90%*</td>
  <td style="text-align:left;vertical-align:middle"></td>
  <td style="text-align:left;vertical-align:middle"></td>
  <td style="text-align:left;vertical-align:middle"></td>
  <td style="text-align:left;vertical-align:middle"></td>
  <td style="text-align:left;vertical-align:middle"></td>
    </tr>
     <tr>
  <td style="text-align:center;vertical-align:middle"><b>Volvo Car Financial Services</b></td>
<td style="text-align:left;vertical-align:middle">5.4%*</td>
  <td style="text-align:left;vertical-align:middle"></td>
  <td style="text-align:left;vertical-align:middle"></td>
  <td style="text-align:left;vertical-align:middle">7.22%**</td>
  <td style="text-align:left;vertical-align:middle"></td>
  <td style="text-align:left;vertical-align:middle"></td>
    </tr>
    <tr>
  </tbody>
</table>
</div>
<br>

*dependent on vehicle and promotion
** effective

## gowago.ch offers a standard interest rate

At gowago.ch the interest rate always stays the identical. Whether you want a [Mercedes](https://gowago.ch/en/explore/mercedes-benz), a [VW](https://gowago.ch/en/explore/vw) or an [Alfa Romeo](https://gowago.ch/en/explore/alfa-romeo) with or without [All-in-one](https://gowago.ch/fr/all-in-one) - the nominal interest rate is fixed at 4.75%. This way, the overview is much easier. 

You are welcome to do your own research by simply clicking on "Leasing details" below the leasing rate in the vehicle overview on our website, where you can also view the fixed, individually calculated residual value.  

## Why do some providers have a wide range of interest rates?

As you can see, the interest rates of other providers are sometimes quite variable. There are several reasons for this. With captive leasing banks, the interest rates usually depend on the vehicle and the promotion associated with it - often this has to do with stock levels or the introduction of new models or equipment. 

Likewise, some captive leasing banks offer interest rate reductions in connection with service and insurance packages. Although this is a positive idea for the consumer, it can lead to confusion - the effective interest rate is now hidden behind promotions and additional services. The overview is lost. 

With non-captive leasing providers, interest rates can sometimes also vary. Again, this is due to the diversity of vehicles that the consumer can lease. A used car will receive a different interest rate compared to a new car. Customers can only see the applicable interest rate after receiving an official quote from the leasing provider. 


What are the interest rates for leasing in Switzerland? 📈📉 Here is a comparison of all leasing interest rates. 

Find the Right Interest Rates with our Leasing Barometer

Comparison of Swiss Leasing Interest Rates (November 2023)

![business lease title image](//images.ctfassets.net/1wz7s065hz5r/5TTaJZXJvzGWSHMBMVmaCH/43ce9a2ea265c69244643127030bdd24/DALL_E_2023-11-28_15.21.40_-_A_widescreen_image_set_in_a_car_dealership__featuring_a_luxury_sedan_similar_to_a_Mercedes_C-Cl.png)

In the fast-evolving world of business, vehicle leasing has risen as a key strategy for companies seeking operational efficiency. This modern approach to acquiring vehicles offers a mix of financial benefits, adaptability, and tax benefits, making it a smart choice for contemporary enterprises. 

But what sets business leasing apart from personal leasing, and how does it cater specifically to the needs of small and medium-sized enterprises (SMEs)? Why should a company lease cars and not buy them? How does it align with a company's financial strategy and operational goals? In this article, gowago explains you the mechanics of business leasing, uncovering its various forms and the unique advantages each presents.

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- [**What is Business Leasing?**](#whatisbusinessleasing)
- [**What is the difference between business and private leasing?**](#whatisthedifferencebetweenbusinessandprivateleasing)
- [**Why Should Your SME Lease Cars? The Benefits of Business Leasing**](#whyshouldyoursmeleasecarsthebenefitsofbusinessleasing)
- [**Should Your Company get All-in-one Leasing?**](#shouldyourcompanygetallinoneleasing)
- [**Conclusion**](#conclusion)

### **What is Business Leasing?**

Business leasing, also called company leasing or in some cases fleet leasing, is a strategic approach that allows companies to access and utilize vehicles without the high costs and responsibilities associated with outright purchasing. This financial arrangement is a type of contractual agreement where a business agrees to use vehicles for a set period in return for monthly payments. 

This period is typically 2-4 years, depending on the specific needs of the business and the terms of the lease agreement. This system offers a flexible, cost-effective solution for businesses that require vehicles for their operations but want to avoid putting up a lot of initial capital to buy them. The saved capital can be used to invest into other areas of the business. 

### What is the difference between business and private leasing**?**

The distinction between business leasing and private leasing lies in their core objectives and the specific needs they address. While both offer the fundamental benefit of using a vehicle without owning it, the structure, financial implications, and benefits vary greatly.

1. **Target Audience and Purpose:**

    - Private leasing is tailored for individual consumers, focusing on personal use. It typically involves leasing a car for personal or family use, emphasizing comfort, style, and personal preferences.

    - In contrast, business leasing is designed for companies and corporations. It's not just about getting from point A to B; it's about meeting the diverse operational needs of a business, such as cargo transportation, employee commuting, or providing vehicles for sales staff.

2. **Tax Implications and Financial Benefits:**

    - One of the significant differences lies in tax treatment. Private leases cannot be deducted from the individual’s taxes. The costs are borne by the individual, with no deductions available.

    - Business leases, however, can provide substantial tax advantages. Lease payments are often tax-deductible as business expenses, reducing the overall taxable income of the business. This can result in considerable savings, especially for several cars.

    - However, especially for SMEs, where a company car might also be used simultaneously for private purposes, it is important to minutely document how many kilometres the car drives for business and for purposes outside of work.

3. **Financial Structure and Budgeting:**

    - In business leasing, the financial structure is aligned with business budgeting and accounting practices. Businesses can plan and budget for lease payments as part of their operational expenses.

    - Private leasing is more about individual budgeting and financing, often with personal credit and payment plans tailored to individual financial situations.

### **Why Should Your SME Lease Cars? The Benefits of Business Leasing**

### **Financial Efficiency**

For small and medium-sized enterprises (SMEs), managing capital effectively is not just important—it's crucial for survival and growth. Here's where business leasing comes as a saviour:

1. **Minimized Upfront Investment:** Purchasing vehicles outright can be a heavy financial burden, particularly for SMEs. Business leasing mitigates this by eliminating the need for a large upfront investment. This means that instead of tying up significant amounts of capital in depreciating assets, e.g. a car, you can use those funds for other critical areas of your business, like expansion, research and development, or enhancing your marketing efforts.

2. **Predictable Budgeting:** With leasing, your costs become regular and predictable. You'll have a clear idea of your monthly outgoings for vehicle usage, which aids in more accurate budgeting and financial planning. This regularity can be a game-changer for SMEs that need to closely monitor and manage their cash flow.

3. **No Depreciation Worries:** Owning a car means dealing with depreciation. With leasing, the depreciation cost is borne by the leasing company, not your business. This removes a significant financial risk and aids in maintaining a healthier balance sheet.

### **Operational Flexibility**

The business environment is ever-changing, and so are your company's needs. Business leasing shines in its ability to adapt to these changes:

1. **Scalability:** As your business grows, your vehicle needs may increase. Leasing allows you to easily add vehicles to your business car fleet. Conversely, if you need to downsize, leasing contracts have a duration of max. 5 years. After that, you can reduce your number of cars or change the type of cars without the hassle of selling off your previous cars - you just give them back.

2. **Access to Latest Models:** Leasing gives you the opportunity to use the latest vehicle models with updated technology and better fuel efficiency, or even change from combustion engines to electric vehicles. This not only enhances your company's image but also ensures you are utilizing vehicles with the latest safety features and environmental compliance, and will save you money in fuel costs.

3. **Maintenance and Downtime:** Many business leases include maintenance packages, [such as with gowago.ch All-in-one packages. This means less downtime for vehicle repairs and maintenance, ensuring that your business operations run smoothly without unexpected interruptions.](https://gowago.ch/en/all-in-one) These all-inclusive services packages like All-in-one also help you budget. Your business will pay the same each month, irrespective of maintenance, tyre-changes, or services suddenly and unexpectedly hiking your company’s monthly budget. 

### **Tax and Employee Incentive Benefits**

The fiscal advantages of business leasing can be substantial:

1. **Tax Deductible:** Lease payments are tax-deductible as business expenses. This can result in significant tax savings, reducing your overall taxable income and thus your tax liability. 

2. **Employee Incentives:** Offering a company car can be a very attractive perk for employees. It can be an effective tool for attracting top talent, retaining staff, and boosting morale. The best part? It's often more cost-effective for the company than offering equivalent salary increases.

3. **Record Keeping and Reporting:** Leasing simplifies the record-keeping process. Payments are regular and can easily be accounted for, simplifying financial reporting and tax filing.

### **Environmental Considerations with Leasing**

1. **Eco-Friendly Options:** gowago’s inventory is comprised of roughly 40% electric and hybrid-electric vehicles. This can help your business reduce its carbon footprint and meet sustainability goals, as well as show your company’s sustainable consciousness.

2. **Regular Vehicle Upgrades:** With regular upgrades possible through leasing, your company can benefit from the latest advancements in fuel-efficient and environmentally friendly vehicle technology.

### **Should Your Company get All-in-one Leasing?**

Deciding whether to opt for full-service leasing, such as gowago’s All-in-one packages, for your company's cars is a significant decision that can impact various aspects of your business operations. All-in-one is not just a method of acquiring vehicles; it's a comprehensive professional mobility management solution. It includes several key elements that together offer a holistic approach to handling your company's transportation needs.

### Getting an All-in-one package for your company car

1. **Maintenance and Repairs:** One of the biggest advantages of gowago All-in-one leasing is that it covers all regular maintenance costs. This means regular servicing, repairs associated with normal wear and tear, and even tire replacements are managed by gowago.ch. This not only saves money but also time and effort in coordinating these services.

2. **Insurance and Risk Management:** All-in-one leasing includes comprehensive insurance coverage. This is crucial for protecting your business against potential liabilities and accidents. Together with Baloise Insurance, gowago will take care of claims and paperwork, further reducing your business’ administrative load.

3. **Roadside Assistance:** gowago’s All-in-one includes 24/7 roadside assistance together with TCS. This ensures that if a vehicle breaks down, help is immediately available, minimizing downtime and keeping your operations running smoothly.

### **Financial and Operational Benefits**

1. **Predictable Costs:** With an All-in-one leasing, you pay a fixed monthly fee that covers most vehicle-related expenses. This predictability in costs aids in better financial planning and budget management.

2. **Cash Flow Management:** Instead of a large capital outlay required for purchasing, leasing allows for better cash flow management. This can be particularly beneficial for businesses looking to invest in other areas.

### **Strategic Advantages**

1. **Focus on what matters:** By outsourcing the management of your cars, your company can focus on its core competencies. This allows you to direct your resources and attention towards activities that drive your business forward.

2. **Customization and Flexibility:** All-in-one leasing can be customized to suit your specific business needs. Whether it's choosing the type of vehicles, the length of the lease term, or specific services included in the package, you have the flexibility to tailor the lease according to your operational requirements.

### **Conclusion**

In conclusion, business leasing emerges as a strategic choice for companies aiming to enhance their mobility management, offering a harmonious blend of financial flexibility, operational adaptability, and potential tax benefits. It caters adeptly to the diverse needs of businesses across various sectors, supporting their growth and agility in a dynamic business environment. 

As companies continue to seek solutions that balance cost-efficiency with operational effectiveness, business leasing stands as a robust, adaptable option that aligns well with these objectives, further reinforcing its value in maintaining competitive agility and financial health in the ever-evolving business landscape.


What is business leasing? Should your company lease its cars? Tax benefits ✅ Financial liquidity ✅ Newest technologies ✅ All-in-one 

What is business leasing and why a company should lease cars

Business Leasing: A Comprehensive Guide for Small and Medium Enterprises

![Polestar 2 vs Tesla Model 3](//images.ctfassets.net/1wz7s065hz5r/01Df544tsXtvAuwUaP5uCc/ed5e71a2e7df1e9b5a579a0b01ec3c38/Polestar_vs_Tesla.jpg)

Deciding between the Tesla Model 3 and the Polestar 2 isn't easy. Do you want to go with the pioneering brand of Tesla, or rather with the understated Swedish Polestar that is connected to the long history and motoring experience of Volvo. Both of them are mid-level premium cars, both have 5 seats, and both around the same space. So what sets them apart? In this blog, gowago gives you an overview of these two EVs and lays out all the facts so that you can decide which you want to go with. 
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- [**Tesla Model 3 vs. Polestar 2: The Main Differences**](#teslamodel3vspolestar2themaindifferences)
- [**Practicality**](#practicality)
- [**Equipment**](#equipment)
- [**Interior**](#interior)
- [**Driving Experience**](#drivingexperience)
- [**Costs of Ownership**](#costsofownership)
- [**Conclusion**](#conclusion)

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<div class="styled-table-wrapper">
<table class="car-features-table">
<thead>
<tr>
<th></th>
<th>Tesla Model 3</th>
<th>Polestar 2</th>
</tr>
</thead>
<tbody>
<td>gowago.ch Leasing New</td>
<td>from CHF 287/Month</td>
<td>from CHF 474/Month</td>
</tr>
  <td>gowago.ch Leasing Used</td>
<td>from CHF 433/Month</td>
<td>from CHF 368/Month</td>
</tr>
<td>+ All-in-one</td>
<td>from + CHF 237/Month</td>
<td>from + CHF 237/Month</td>
</tr>
<tr>
<td>General Feeling</td>
<td>Futuristic, minimalist design with a global recognition for pioneering EV technology.</td>
<td>Scandinavian elegance, with a robust and angular design, showcasing modern luxury.</td>
</tr>
<tr>
<td>Practicality</td>
<td>Spacious with a minimalist interior, 337 liters boot space, and 88 liters frunk. Excellent in urban environments with advanced parking aids.</td>
<td>Comfortable with a luxurious and practical interior, 405 liters boot space, and 35 liters frunk. Good urban maneuverability with parking assistance technology.</td>
</tr>
<td>Equipment</td>
<td>High-tech, minimalistic interior with a large touchscreen central hub. Advanced safety features but pending legal approval for some, like hands-free driving.</td>
<td>Scandinavian minimalist interior with a big touchscreen running on an Android-based system. Inherits Volvo's legacy of safety with innovative technologies.</td>
</tr>
<td>Interior</td>
<td>Sleek, futuristic design with faux leather upholstery. Emphasis on a tech-forward environment with a central touchscreen for all controls.</td>
<td>Blend of modern tech and traditional design. More physical controls, and a user-friendly interface with greater connectivity options.</td>
</tr>
<td>Driving Experience</td>
<td>Multiple trim levels offering a range of driving experiences from smooth and responsive to exhilarating acceleration. Well-suited for urban driving and spirited acceleration.</td>
<td>Balanced and comfortable driving feel. Refined ride with precise steering and well-tuned suspension. Focuses on a relaxed and luxurious journey.</td>
</tr>
<td>Costs of Ownership</td>
<td>Generally lower maintenance costs due to fewer moving parts. Access to Tesla’s Supercharger network. Some repair costs can be higher.</td>
<td>Likely to have conventional servicing costs due to Volvo’s network. Newer in the EV market, so long-term reliability is yet to be fully established.</td>
</tr>
  </tbody>
</table>
</div>

# Tesla Model 3 vs. Polestar 2: The Main Differences

## Price and Prestige

In the electric vehicle arena, the Polestar 2 and Tesla Model 3 are in a similar arena. The Polestar 2, starting at CHF 48,900, enters the market as a symbol of Scandinavian elegance and innovation while maintaining its connection to established motoring features. On the other hand, the Tesla Model 3, priced slightly lower at CHF 46,990, sets a differing vision of the electric vehicles. 

Owning a Tesla is often seen as owning a piece of the future – a testament to cutting-edge technology and a commitment to a zero-emissions world. While both cars are priced in the premium segment, the Tesla Model 3 edges ahead in terms of global recognition and prestige, often being the go-to choice for EV enthusiasts seeking performance combined with the cachet of the Tesla brand. 

## Design Philosophy: Polestar 2 vs. Tesla Model 3

The design philosophies of the Polestar 2 and Tesla Model 3 reflect a tale of two distinct approaches to electric vehicle aesthetics. The Tesla Model 3, a familiar sight on roads, continues to embody Tesla's signature style with its sleek, modern, rounded look. 

Characterized by flush door handles, a uniform color palette, and a gracefully curved roofline, the Model 3's design, especially with the recent facelift, remains a benchmark for contemporary EV design. It's a design that speaks to Tesla's commitment to a future-forward, minimalist aesthetic.

In contrast, the Polestar 2 presents a more angular and robust form, diverging from Tesla's design language. It inherits Volvo's design heritage, evident in its squared-off light bar and slim front headlights, offering a more pronounced, blockier appearance. 

The Polestar 2's color scheme, more muted than Tesla's, complements its Scandinavian roots, emphasizing a different kind of modern luxury. It is quiet, understated, and refined, not meaning to impose, while still being very recognisably, well, a kind-of Volvo.

## Interior

The interior ambiance of the Tesla Model 3 and Polestar 2 reflects their distinct philosophies and target audiences. The Tesla Model 3's interior is a testament to minimalism and futuristic design. If you look through the steering wheel you will find… nothing! 

Instead, all of your info is displayed on the 15.4-inch screen on the centre console. It controls almost every aspect of the car, from climate to navigation, emphasizing a tech-forward, sleek environment. The choice of faux leather upholstery in black or black and white adds to its modern, clean aesthetic. This minimalist approach may appeal to tech enthusiasts and those who prefer a clutter-free, streamlined environment.

In contrast, the Polestar 2 offers a blend of modern technology with a touch of traditional design elements. Its interior is slightly busier, featuring more physical controls, which might be appreciated by those who prefer tactile feedback and quicker access to car functions. 

The vertically aligned big screen, loaded with Google's Android Automotive system, and a digital instrument cluster, provide a high-tech feel but with a more conventional approach. The inclusion of CarPlay and Android Auto offers greater flexibility in connectivity, catering to a broader range of user preferences.

## Practicality

### How Practical are the Polestar 2 or the Tesla Model 3?

### Space for Passengers:

In comparing passenger space, the Tesla Model 3 and Polestar 2 both offer comfortable interiors, but with distinct styles. The Model 3's minimalist design creates an open, airy feel, with ample legroom and a panoramic glass roof enhancing the sense of space. Its rear seating is spacious, catering well to adult passengers. 

The Polestar 2, with its Scandinavian-inspired interior, balances luxury and practicality. It provides generous headroom and legroom, ensuring comfort for both front and rear passengers. While both vehicles excel in spaciousness, the choice hinges on preference for Tesla's sleek minimalism or Polestar's luxurious practicality.

### Boot Space:

In the realm of boot space, the Tesla Model 3 and Polestar 2 showcase their practicality in electric vehicle design. In the Tesla, you will get 337 litres of room, while the Polestar will grant you 405 litres of stowage. Since both cars are electric, the space under the bonnet, also called frunk, can be used to store additional things, such as the charging cable or other bits and bobs. In the Polestar, the frunk offers 35 litres, in the Tesla it is 88 litres. 

### Everyday Usability

Navigating city streets or crowded parking lots is a breeze with both the Tesla Model 3 and Polestar 2, thanks to their well-designed visibility and agile handling. Their dimensions, while slightly larger than traditional compact cars, still allow for ease of parking, a crucial factor in urban environments. 

Both models come equipped with advanced parking aids, making it effortless to maneuver into those challenging parking spots. The Model 3's Autopark feature and the Polestar 2's parking assistance technology alleviate the stress associated with tight parking situations. 

Whether it's for daily commuting, running errands, or embarking on longer journeys, these cars cater to the practical needs of modern drivers. They combine space, comfort, and user-friendly technology, making either vehicle an excellent choice for those who prioritize practicality, without sacrificing style or the joy of driving.

The comfortable seating in both cars allows for a good position that treats both your back and butt. In the Polestar, the seats are somewhat more hugging, and you feel generally more like in a cockpit compared to the Tesla. 

However, if a roomy and airy interior is what you prefer, then the Tesla will give this to you. It still has a centre armrest that provides comfort, but the seats are far less shaped to your body, but nonetheless very comfy. 

## Equipment

### What Equipment and Features do you get with either the Polestar 2 or the Tesla Model 3?

### Safety Standards:

The Tesla Model 3 is equipped with advanced safety features. It boasts a robust structure with a high-strength steel frame, providing exceptional protection in case of collisions. Additionally, the Model 3 includes Tesla's renowned Autopilot system, which, while not a substitute for attentive driving, enhances safety with features like automatic emergency braking, collision warning, and blind-spot monitoring. 

It must be said though that this feature is not yet road legal in Switzerland. There is a pending green light to allow hands-free driving on motorways though.

On the other hand, the Polestar 2, emerging from the Volvo lineage, carries the brand's legacy of safety. It features a high-strength steel safety cage and innovative safety technologies like Pilot Assist, which aids in steering, acceleration, and braking on well-marked roads. The Polestar 2 also includes safety systems like the Collision Avoidance and Mitigation by Braking and Steering, which actively helps to prevent accidents.

### Tech Treats:

In the Model 3 you will find a tech lover's dream, boasting a sleek, button-free interior dominated by a large touchscreen. This interface isn't just about looks; it's a central hub for various functions, including a unique mix of entertainment and utility features like games, a web browser, and even a digital whoopee cushion! 

Plus, Tesla is known for their software updates, which often feel like getting a new car experience without changing the car! Since the screen is located on the centre console, it might take some getting used to looking at it to get info about your speed or to look at the satnav. Finding the various functions such as wind screen wipers or lights can be a bit fiddly at times.

On the other side, we have the Polestar 2, embodying the essence of Scandinavian minimalism. This car might seem understated at first glance, but its tech game is strong. The interior features a big, clean touchscreen that runs on an Android-based system, already loaded with Google Maps that can be projected to fill the gauge cluster, so that you never have to take your eyes off the road for more than half a second. 

It's user-friendly, straightforward, and looks super sleek. Polestar also keeps things fresh with regular software updates, ensuring your ride stays up-to-date.

The audio systems in both cars are very good quality, but there are extra marks for the more high-end Polestar 2s, which offer a Harman Kardon system that truly envelops you in music. 

## Driving Experience

### What are the differences in driving feel of the Tesla Model 3 and the Polestar 2

### Performance and Handling

The Tesla Model 3 and Polestar 2 offer various trim levels, each providing a unique driving experience. The Tesla Model 3's Standard Range Plus trim offers a smooth and responsive ride, with instant torque providing an enjoyable acceleration. It feels nimble and agile, making it well-suited for urban driving. 

The Long Range AWD variant adds all-wheel drive, enhancing stability and grip, resulting in a confident feel on the road. The Performance trim takes things to another level, delivering exhilarating acceleration and precise handling, making it a thrill to drive.

On the other hand, the Polestar 2's Single Motor Long Range trim provides a comfortable and composed ride, emphasizing a smooth driving experience over high-performance thrills. It feels refined, with precise steering and a well-tuned suspension that soaks up road imperfections. The Dual Motor Long Range variant adds all-wheel drive, enhancing traction and confidence in various driving conditions. 

Overall, the Polestar 2 prioritizes a balanced and comfortable driving feel, making it an excellent choice for those seeking a relaxed and luxurious ride. The driving experience in both these electric sedans caters to different preferences, whether you prioritize spirited acceleration or a more serene journey.

## **Costs of Ownership**

### How much does it cost to run a Polestar 2 and Tesla Model 3

### Lease Costs:

#### Tesla Model 3
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<td>Standard Plus</td>
<td>491km Range</td>
<td>from 287.-</td>
</tr>
  <td>Long Range</td>
<td>629km Range</td>
<td>from 389.-</td>
</tr>
  </tbody>
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#### Polestar 2
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<td>Standard Range Single Motor</td>
<td>546km range</td>
<td>from 368.-</td>
</tr>
  <td>Long Range Single Motor</td>
<td>655km Range</td>
<td>from 514.-</td>
</tr>
  <td>Long Range Dual Motor</td>
<td>593km Range</td>
<td>from 527.-</td>
</tr>
  <td>Dual Motor Performance</td>
<td>568km Range</td>
<td>from 800.-</td>
</tr>
  </tbody>
</table>
</div>

### Running and Maintenance Costs

When choosing between the Tesla Model 3 and the Polestar 2, a key factor to consider is the maintenance and running costs, along with reliability. Both vehicles, being electric, offer the inherent benefit of reduced maintenance costs compared to traditional internal combustion engine vehicles. This advantage stems from fewer moving parts and the absence of oil changes.

The Tesla Model 3, a product of a company that's been a front-runner in the EV market, brings with it a history of innovation and improvement. Tesla’s extensive experience in electric vehicles contributes to their reliability. 

Additionally, the Model 3's access to Tesla's vast and efficient Supercharger network simplifies charging and enhances the ownership experience. However, it's worth noting that Tesla's cutting-edge technology and specific parts can sometimes lead to higher costs if repairs outside warranty are required.

On the other hand, Polestar 2 emerges from the Volvo lineage, known for its emphasis on quality and durability. Being relatively new in the EV market doesn't overshadow its robust build and the backing of Volvo’s long-standing reputation in car manufacturing. 

The Polestar 2's maintenance might be influenced by Volvo's established service network, which could offer more conventional servicing costs. However, being a newer model, the long-term reliability of the Polestar 2 is something that remains to be seen as more units hit the road and accumulate mileage.

### Conclusion

In the dynamic world of electric vehicles, the Tesla Model 3 and Polestar 2 stand out as top contenders, each with unique offerings. Tesla, a trailblazer in the EV market, brings the Model 3 to the table with its proven track record and widespread Supercharger network, enhancing its practicality. The Model 3's pricing spectrum makes it a financially savvy choice for many. It is simply the go-to electric sedan around right now. 

Polestar 2, hailing from the house of Volvo, enters the arena with the reliability and design excellence synonymous with its parent company. While starting at a slightly higher price point, it introduces a blend of Scandinavian design and advanced technology, making it a strong competitor in the luxury EV segment. 

Its commitment to quality and the backing of Volvo’s extensive automotive experience render it a compelling option for those seeking a blend of modernity and heritage. It is a good alternative to the Model 3 and for those that do not want a run-of-the-mill EV. 

Ultimately, your choice between these two EV pioneers hinges on what you value most: Tesla's pioneering spirit and extensive network or Polestar's fresh take on luxury and design, backed by Volvo’s legacy. Both vehicles promise an exhilarating ride into the future of automotive technology, each with its unique flair.

Tesla Model 3 or Polestar 2? Which electric car should you choose? gowago gives you an overview!

Which of these EVs should you get a leasing for?

Tesla Model 3 vs Polestar 2: A Comprehensive Comparison

Deciding between the Audi A3 and the Volkswagen Golf can be somewhat confusing. Since both cars are based on the same platform, the differences are hard to discern. If you are standing in front of them, ready to make your decision, which one should you go for? gowago.ch will give you some insight on what is different between these two hatchbacks, so that you can make an educated decision. 

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- [**Audi A3 vs. VW Golf: The Main Differences**](#audia3vsvwgolfthemaindifferences)
- [**Practicality**](#practicality)
- [**Equipment**](#equipment)
- [**Interior**](#interior)
- [**Driving Experience**](#drivingexperience)
- [**Costs of Ownership**](#costsofownership)
- [**Conclusion**](#conclusion)

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<thead>
<tr>
<th>Category</th>
<th>Audi A3</th>
<th>VW Golf</th>
</tr>
</thead>
<tbody>
<td>gowago.ch Leasing New</td>
<td>from CHF 349/Month</td>
<td>from CHF 297/Month</td>
</tr>
  <td>gowago.ch Leasing Used</td>
<td>from CHF 288/Month</td>
<td>from CHF 251/Month</td>
</tr>
<td>+ All-in-one</td>
<td>from CHF 340/Month</td>
<td>from 340/Month</td>
</tr>
<tr>
<td>General Feeling</td>
<td>- Luxurious and sporty</td>
<td>- Essential and straightforward</td>
</tr>
<tr>
<td></td>
<td>- Bold grille, sharp lighting</td>
<td>- Refined, familiar design</td>
</tr>
<td></td>
<td>- Upmarket tech, digital displays</td>
<td>- Simple, functional tech</td>
</tr>
<td></td>
<td>- Comfortable cabin, ample space</td>
<td>- Spacious interior, roomy for passengers</td>
</tr>
<td></td>
<td>- 380 liters boot space</td>
<td>- 380 liters boot space</td>
</tr>
<td></td>
<td>- Good maneuverability, parking aids</td>
<td>- Easy parking, Park Assist available</td>
</tr>
<td>Equipment</td>
<td>- 5-star Euro NCAP rating</td>
<td>- 5-star Euro NCAP rating</td>
</tr>
<td></td>
<td>- Advanced infotainment, Virtual Cockpit</td>
<td>- Intuitive infotainment, Digital Driver’s Dials</td>
</tr>
<td></td>
<td>- Triple-zone climate control</td>
<td>- Standard climate control, optional upgrades</td>
</tr>
<td>Interior</td>
<td>- High-quality materials, leather upholstery</td>
<td>- Durable materials, ergonomic design</td>
</tr>
<td></td>
<td>- Modern and intuitive design</td>
<td>- Functional and comfortable</td>
</tr>
<td></td>
<td>- Front sport seats available</td>
<td>- Cloth seating standard, leather optional</td>
</tr>
<td>Driving Experience</td>
<td>- Petrol, Diesel, Hybrid</td>
<td>- Petrol, Diesel, Hybrid</td>
</tr>
<td></td>
<td>- Precise steering, balanced chassis</td>
<td>- Light steering, comfortable suspension</td>
</tr>
<td></td>
<td>- Firm suspension, comfortable ride</td>
<td>- Stable and planted handling</td>
</tr>
<td></td>
<td>- Premium car: Higher initial and leasing costs</td>
<td>- Budget friendly, lower rates</td>
</tr>
<td></td>
<td>- Efficient engines, options for hybrid</td>
<td>- Efficient engines, options for hybrid</td>
</tr>
<td></td>
<td>- Premium features justify costs</td>
<td>- Lower insurance group, cost-effective</td>
</tr>
  </tbody>
</table>
</div>

## Audi A3 vs. VW Golf: **The Main Differences**

### **Price and Prestige:**

The Audi A3 and Volkswagen Golf set themselves apart right off the bat with their pricing. The A3 starts at just over CHF 38’000 and is the pricier of the pair. Meanwhile, the Golf’s basic trim level is available for under 33’000 Francs. 

On gowago.ch, the Audi A3 is available from 290 CHF/Month compared to the 250 Francs monthly for a Golf. However, the difference in price makes sense, as the Audi aims for a more luxurious and sporty feel. The Golf is more about getting the essentials right without extravagance. It's a solid car that doesn't ask you to fork out for a fancy badge.

### **Design Philosophy:**

Audi's A3 is all about making a splash. With its bold grille and sharp lighting, it has a lot of character and communicates that it is here to impress. 

The Golf prefers a low-key approach, with a design that's been refined over the years to be familiar yet fresh. It's got some new design tweaks, sure, but it's still the Golf everyone recognizes – just a bit sharper around the edges.

### **Interior Ambiance:**

Inside the A3, it's about feeling like you've stepped up in the world. The dashboard's sleek, the finishes are top-notch, and it's all arranged with a clean, modern aesthetic. The Golf's cabin, by contrast, is about straightforward comfort and durability. It's less about impressing you with looks and more about impressing you with longevity and ease of use.

The A3's tech feels more upmarket, with its fancy digital displays and optional upgrades that can make the dash look like something out of a sci-fi movie. The Golf keeps tech simple and functional. Its screens are clear and the system's easy to use, even if it doesn't feel quite as 'next-gen' as the Audi's.

## Practicality

### **How Practical is the Audi A3 and the Volkswagen Golf?**

### **Space for Passengers:**

When it comes to accommodating passengers, both the Audi A3 and the Volkswagen Golf score highly on practicality. The A3's cabin is designed to maximize comfort, with ample space that allows for a relaxed seating position, even on longer journeys. Adults can sit in the back without the squeeze, thanks to thoughtful design that provides generous headroom and legroom. 

The Golf mirrors this approach, with a spacious interior that belies its compact exterior. Both front and rear passengers will find the Golf roomy, with enough space to enjoy journeys of short and medium length.

### **Boot Space:**

The boot space in both the A3 and the Golf are the exact same at 380 litres of capacity. You can fit in several suitcases for airport runs, a full load of shopping bags, or bulky items like a baby stroller and sports equipment. The rear seats in both cars can be folded down to accommodate larger items, making them versatile vehicles for various needs.

### **Everyday Usability:**

For those who need to navigate tight city streets or packed parking lots, both the A3 and the Golf offer good visibility and maneuverability. Their compact dimensions make them easy to park, and various parking aids are available to assist even the most parking-averse drivers. The A3's optional parking system plus and the Golf's available Park Assist can take the stress out of squeezing into tight spots.

The A3 and the Golf also offer keyless entry and push-button start, adding a layer of convenience to your daily routine. This feature is particularly useful when you have your hands full and need to access the vehicle without fumbling for keys.

In summary, both the Audi A3 and the Volkswagen Golf are designed with practicality in mind. They offer the space, comfort, and features that make them ideal for everyday use, whether you're commuting, running errands, or heading out on a road trip. With their thoughtful design and user-friendly features, either car is a smart choice for those who value practicality without compromising on style or driving pleasure.

## Equipment

### **What is the Equipment of the Audi A3 and the Volkswagen Golf Like?**

### **Safety Standards:**

When it comes to safety, both the Audi A3 and the Volkswagen Golf are built to protect. They have both been awarded a 5-star Euro NCAP rating, which is the highest possible score and indicative of their commitment to passenger safety. The Golf has a slight edge with a higher score for child occupant protection, but the A3 is not far behind, making both vehicles a reliable choice for families.

These cars come equipped with an array of safety features, including multiple airbags, electronic stability control, and ISOFIX child seat anchors. Advanced driver-assistance systems are also available, such as autonomous emergency braking that can detect and react to potential collisions without driver input.

### **Tech Treats:**

In terms of technology, the Audi A3 offers an infotainment system that, while criticized for its graphics, provides a comprehensive suite of features. The available Virtual Cockpit is a standout, transforming the driver's dashboard into a customizable digital display that can show navigation maps, driver information, and more. It's a feature that tech aficionados will appreciate for its innovation and ease of use. The standard pop-up screen does feel a bit outdated though.

The Volkswagen Golf's infotainment system is less customisable and futuristic but more intuitive for users who prefer simplicity and effectiveness. The touchscreen interface is user-friendly, and the optional Digital Driver’s Dials add a modern touch, allowing drivers to see important information at a glance. Smartphone integration is standard, ensuring that drivers can connect their devices for music, calls, and navigation with minimal fuss.

### **Connectivity and Comfort:**

Both vehicles offer a high level of connectivity, with Bluetooth, USB ports, and in some cases, wireless charging pads to keep devices powered up on the go. The A3 and the Golf also feature climate control systems to maintain cabin comfort, with the A3 offering a more sophisticated triple-zone system in higher trims, allowing different temperature settings for the driver, front passenger, and rear passengers.

### **Audio and Navigation:**

For audiophiles, both the A3 and the Golf come with sound systems that offer clear and crisp audio quality. Upgrades are available for those who want an even more immersive listening experience, with premium brands like Bang & Olufsen available in the A3.

Navigation systems in both cars are designed to be user-friendly, with the A3's MMI Navigation Plus and the Golf's Discover Navigation system offering detailed maps, live traffic updates, and route guidance. 

The A3's system can be controlled via touch or voice command, while the Golf's system is touch-centric but can be enhanced with gesture control in higher trims. In the Golf, a pre-built in sat-nav is an optional extra, but that is not a big issue since the bluetooth connectivity allows you to use Google Maps to navigate. 

### **Lighting and Visibility:**

LED lighting is standard on both models, providing excellent visibility and a modern aesthetic. The A3 takes it a step further with the availability of Matrix LED headlights, which adjust the beam pattern to avoid dazzling other road users while maximizing illumination.

## Interior

### What are the i**nteriors of the Audi A3 and the Volkswagen Golf like?**

### **Trim and Texture:**

The Audi A3's interior is a testament to Audi's commitment to luxury and attention to detail. The materials used throughout the cabin are of high quality, with soft-touch plastics and, in higher trims, leather upholstery that adds a tactile sense of luxury. The A3's interior design is modern and intuitive, despite the many haptic buttons that are to be found. In terms of seating, the Audi A3 offers supportive and comfortable seats, with the Sport trim featuring front sport seats that provide additional side support. 

The Volkswagen Golf's interior, while not as luxurious as the A3's, is still well-crafted and designed with durability in mind. It has functionality in mind rather than style. The Golf uses high-quality materials throughout the cabin, including soft-touch surfaces and comfortable cloth seating as standard, with the option to upgrade to leather for those who prefer it. The design is functional and ergonomic, focusing on the comfort and convenience of the driver and passengers. 

### **Quality and Craftsmanship:**

Both the Audi A3 and the Volkswagen Golf exhibit excellent build quality. The A3's fit and finish are impeccable, with precise panel gaps and materials that feel built to last. The Golf also demonstrates Volkswagen's commitment to quality, with a solid and robust interior that can withstand the rigors of daily use.

## Driving Experience

### What are the differences in d**riving Feel of the Audi A3 and the Volkswagen Golf**

### **Engine Offerings and Performance:**

The Audi A3 offers a range of engines, starting with the base 1.0-litre TFSI or TDI which, despite being the entry-level option, provides a responsive and zesty driving experience. The engine's turbocharger helps deliver power smoothly across a wide rev range, making the A3 feel lively and capable, whether navigating urban streets or accelerating on motorways. However, it's worth noting that the base engine can be a bit vocal under heavy acceleration, a characteristic that some drivers may find less than ideal.

The Volkswagen Golf's 1.5-litre TSI engine is a marvel of modern engineering, balancing performance with efficiency. It's quieter than the A3's base engine, making for a more refined driving experience. The Golf's power delivery is linear and predictable, which, combined with its well-tuned transmission, offers a drive that's both relaxing and engaging. The engine's ample low-end torque ensures that the Golf has enough grunt for overtaking maneuvers without needing to work the engine hard.

### **Handling and Dynamics:**

When it comes to handling, the Audi A3 showcases its sporty pedigree. The steering is precise and offers good feedback, allowing drivers to feel connected to the road. The car's chassis is balanced and composed, which translates to confident cornering and a reassuring drive. The A3's suspension is firm enough to maintain composure during spirited driving while still providing a comfortable ride over most surfaces.

The Volkswagen Golf also exhibits excellent handling characteristics. The steering is light, which contributes to an effortless driving experience, particularly in urban settings. The Golf's suspension is tuned to offer a good balance between comfort and handling, ensuring that the ride is smooth over bumps and undulations, yet the car remains stable and planted when the road gets twisty.

Both the A3 and the Golf offer front-wheel drive as standard, with the option of all-wheel drive in certain trims for improved traction and stability. 

Both cars are available with either manual or automatic gearboxes, which are DSGs in both cars. In the Audi, the focus is once again on sportiness, while the Golf focusses more on comfort and smoothness. 

## Costs of Ownership

### How much does it cost to run a VW Golf or Audi A3

### **Initial Purchase and Lease Costs:**

When considering the costs of ownership, the initial purchase price and leasing options are critical factors. The Audi A3, with its starting price of CHF 38’250, is positioned in the market as a premium compact car. The higher price tag is justified by the brand's luxury status and the vehicle's advanced features. Leasing the A3 can be costlier, with monthly payments starting at CHF 290/Month. This is a reflection of the car's higher market value and the premium segment it occupies.

In contrast, the Volkswagen Golf starts at a more accessible 32’700 Francs, making it a more budget-friendly option for many consumers. The lower monthly lease cost starting at 250 Francs per Month makes the Golf an attractive proposition for those looking to manage their monthly outgoings effectively. The Golf's position in a lower insurance group also contributes to ongoing cost savings, potentially lowering annual insurance premiums compared to the A3.

### **Running Costs and Maintenance:**

Running costs are a significant aspect of car ownership. Both the Audi A3 and the Volkswagen Golf benefit from efficient engine designs that help to keep fuel consumption and, consequently, running costs down. Depending on the trim line, the A3 will use between 3.7 and 6.7l/100km while the Golf 4.4 and 7.1l/100km. Both Models offer hybrid options, which will help with lowering the fuel consumption

### **Total Cost of Ownership:**

When calculating the total cost of ownership, it's essential to consider all factors including insurance, fuel consumption, maintenance, depreciation, and taxation. Both the Audi A3 and the Volkswagen Golf present compelling cases, with the A3 appealing to those who prioritize premium features and brand prestige, and the Golf attracting buyers looking for value and efficiency.

To get an overview of these costs, you can have a look at the All-in-one Premium prices on [gowago.ch](http://gowago.ch/en). [Here, the costs for servie and maintenance, insurance, tyres, warranty, and taxes are included in the monthly rate. ](https://gowago.ch/en/all-in-one)For the Golf and A3, the running costs (without fuel) calculated by gowago.ch will start from around 340 CHF per month additionally to the leasing rate. 

## **Conclusion**

Deciding between the Audi A3 and the Volkswagen Golf hinges on what you prioritize in a vehicle. The A3 offers a slice of luxury, with a higher price tag that buys you a premium badge and a more upscale interior. It's designed for those who value a refined driving experience and brand prestige.

The Golf, conversely, is synonymous with practicality and value. It's a solid all-rounder with a reputation for reliability and lower running costs, appealing to those who seek functionality and economic efficiency.

Both models deliver on fuel economy, safety, and comfort, showcasing the strengths of their respective brands. The choice does not rest on which car is better overall, but which car better suits your individual needs and preferences. Whether you lean towards the luxury of the A3 or the sensibility of the Golf, each car stands as a commendable option in the compact hatchback market.

A comparison between the Audi A3 and the VW Golf - Which one should you lease? Do you want premium sportiness or a down-to-earth car? gowago gives you the answers

Which of these hatchbacks should you get a leasing for?

Audi A3 vs Volkswagen Golf: The Ultimate Comparison

You had a great time with your car, but now your lease is coming to an end, and you have decided you do not want to purchase it. Perhaps you want to get a different car through a lease or go for a different financing option. Whatever your reasons are, this means you will have to return your car to the leasing company. Of course you took great care, but scratches and dents can happen - but what is excepted wear-and-tear, and what is excessive damage? 

Since leasing means you only use the car, but do not own it, returning your car is linked to a quality check-up. At gowago, we work together with skilled employees of Galliker Service AG in order to assess the state of your car. 

Here, [gowago](http://gowago.ch/en) will provide you with a list of all the things you definitely need to check on your car a few months before you return it. Once you have gone through all the points on this list, you will be able to assess what is acceptable damage and what is not. [Depending on the damage, you might be able to still repair it through your insurance, so that you can avoid additional costs when returning the car and smoothly move on. ](https://gowago.ch/en/all-in-one)

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[**Further down, you can download a PDF-Checklist, wherein all of these points are also mentioned so that you definitely don’t forget any point!**](#furtherdownyoucandownloadapdfchecklistwhereinallofthesepointsarealsomentionedsothatyoudefinitelydontforgetanypoint)

<br>
<div>
  <p>
<fieldset>
	<b>Infobox: What is acceptable and unacceptable damage? </b>
	<p>Acceptable are Traces of normal use depending on the vehicle’s age and mileage, which do not affect the overall visual impression of the vehicle. There are no charges for this. Unacceptable are damages that go beyond average wear and tear, negatively affecting the overall visual impression of the vehicle and/or have technical effects. Here, repair costs will be calculated.</p>
	</ol>
</fieldset>
</div>
<br>

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[**<big>1. Tires</big>**](#1tires)
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<div id="menu"></div>
[**<big>2. Rims</big>**](#2rims)
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<div id="menu"></div>
[**<big>3. Paint</big>**](#3paint)
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<div id="menu"></div>
[**<big>4. Body</big>**](#4body)
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<div id="menu"></div>
[**<big>5. Glass & Lights</big>**](#5glasslights)
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<div id="menu"></div>
[**<big>6. Interior / Cargo area</big>**](#6interiorcargoarea)
</style>
<div id="menu"></div>
[**<big>7. Installations and extensions</big>**](#7installationsandextensions)
</style>
<div id="menu"></div>
[**<big>8. Mechanics</big>**](#8mechanics)
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<div id="menu"></div>
[**<big>9. Vehicle accessories</big>**](#9vehicleaccessories)
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<div id="menu"></div>
[**<big>10. Excess mileage</big>**](#10excessmileage)

<br> 

# 1. Tires

**Acceptable**

- [ ] Minimum tread depth 2 mm (1.6 mm legal minimum), regardless if winter, summer, or all-season tires. 

# 2. Rims

**Acceptable**
- [ ] Wheel covers with light (max.2 cm) scratches, no breakage
- [ ] Intact steel rims with slight rust
- [ ] Intact aluminum rims with superficial paint damage (max.2 cm) 
- [ ] Max 2 superficial damages per rim 

**Unacceptable**
- [ ] Broken wheel covers
- [ ] Deformed Steel rim flanges
- [ ] Heavily destroyed aluminum rims
- [ ] Aluminum rims with chips, bridges or deformations
- [ ] Missing parts (for multi-part rims)

# 3. Paint

**Acceptable**
- [ ] Damage removable through polishing
- [ ] Stone chip damage at front (< 3 stone chips per cm2 or max. 10 stone chips per part)
- [ ] Light scratches door handles
- [ ] Slight paint abrasions on the door edges and on bumper 
- [ ] Paint changes (e.g. fine hairline scratches)
- [ ] Matt spots in the paint

**Unacceptable**

- [ ] Scratches that require painting
- [ ] Paint damage caused by paint thinner, battery acid, tree resin, bird droppings, etc.
- [ ] Rust spots / rust film
- [ ] Traces of stickers
- [ ] Color inconsistency from repairs 

# 4. Body

**Acceptable**
- [ ] Max. 2 dents (2cm) per body part
- [ ] Superficial dents (no chipped paint)
- [ ] Damage that does not affect road safety

**Unacceptable**
- [ ] Dents greater than 20 mm (> 1 franc piece)
- [ ] Chipped Paint
- [ ] Cracked, crushed or broken bumper bars, spoilers,grille etc.
- [ ] Hail damage 
- [ ] Unrepaired accidental damage (e.g. cracked bumper)

# 5. Glass & Lights

**Acceptable**
- [ ] Glass damage that does not impair road safety (e.g. stone chips in the headlights without cracking or breaks in lens) 
- [ ] Some stone chips on the windshield (no affect on driver’s view)

**Unacceptable**
- [ ] Damage that impairs road safety (e.g. damages in windshield glass layer impairing the driver’s view)
- [ ] Broken headlights, auxiliary headlights and lamps
- [ ] Impacts on windscreen, which the STVA needs to verify, will not be accepted.

# 6. Interior / Cargo area

**Acceptable**

- [ ] Color changes in the interior / cargo area (e.g. fading due to sunlight) and wear of upholstery and trim (bolster driver’s side)
- [ ] Signs of wear on the seats

**Unacceptable**
- [ ] Dirt and damage (e.g. burn holes, tears, cuts, smell)
- [ ] Heavily soiled interior parts
- [ ] Boreholes from installations

# 7. Installations and extensions

**Acceptable**
- [ ] Reversable changes (no or little trace - f.e. seat covers)

**Unacceptable**
- [ ] Permanent changes

# 8. Mechanics

**Acceptable**
- [ ] Wear that does not affect the road safety

**Unacceptable**
- [ ] Wear that impairs the road safety

# 9. Vehicle accessories

- [ ] The absence of items of equipment and equipment that were included in the scope of delivery (e.g. keys, navigation CD, radioCode card, first aid kit contents, SD card, luggage and rear blinds, parcel shelf,High voltage charging cable, etc.) will not be accepted.

### 10. Excess mileage

- [ ] When returning a car, please check the mileage limit that was agreed upon when the contract was stipulated. If the car exceeds this agreed-upon mileage limit, excess mileage charges will apply, and you will be responsible for covering these charges. The cost for each extra mile beyond the agreed limit can be estimated by contacting our customer support.

## Conclusion

<a id="furtherdownyoucandownloadapdfchecklistwhereinallofthesepointsarealsomentionedsothatyoudefinitelydontforgetanypoint"></a>

As the curtain closes on your current car lease, it's essential to remember that the return process is as significant as the day you drove off the lot. Returning your leased vehicle to [gowago](http://gowago.ch/en) doesn't have to be a daunting task. By following the comprehensive checklist provided, you can ensure that your car meets the acceptable standards for wear and tear, avoiding any unnecessary costs. 

Download our PDF-Checklist, so that you can really make sure you don’t forget any of these points when doing your self-assessment!

<p style="text-align: center;"><a class="button is-primary is-medium" href="https://assets.ctfassets.net/1wz7s065hz5r/6m5ZU1y2nDo0GK4hP3i5QS/e6e2d746da5f703a332c0c3355a9ab90/Self-assesment_checklist_EN.pdf" style="background:#00c86c; text-decoration: none !important;">Download checklist</a></p>

As you prepare to bid farewell to your current companion on the road, take a moment to appreciate the journeys you've shared. Then, look forward to the new adventures that await with your next vehicle, equipped with the knowledge and preparedness to make the most of your leasing experience. With gowago's guidance, you're ready to turn the page and drive forward into the future.

Returning your car after the lease - what do you need to check? What is acceptable damage after the lease? Tyres, Rims, Paint, Body, Accessories, Mechanics. 

How can I avoid extra costs when I give back the car?

Checklist: Returning your car after the Lease

![Family Car](//images.ctfassets.net/1wz7s065hz5r/7cmQP6wLdwZJWv7IIsezuE/402d3aecabadb5c7d76d1f222dce512a/Gowago_Scene_1.jpg)

In the world of family cars, the choices are endless and deciding on the right vehicle can be a real challenge. Whether you're looking for a spacious SUV for weekend trips, a compact city car for everyday use or an eco-friendly electric car, the choices are endless.

Our journey will take us through different classes of family cars, from spacious SUVs to compact sedans. We'll look at the best options on the market to help you find the ideal vehicle for your family. Whether you've just become a parent or you're looking to upgrade your current family car, we have the right car for every need. Let's work together to find the perfect family car to fit your life and needs.

<style>
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- [smart #1](#smart1)
- [Hyundai Ioniq 6](#hyundaiioniq6)
- [Ford Focus](#fordfocus)
- [Kia Sportage](#kiasportage)
- [Peugeot 5008](#peugeot5008)
- [Seat Ateca](#seatateca)
- [Dacia Jogger](#daciajogger)
- [BMW X3](#bmwx3)
- [Škoda Enyaq](#kodaenyaq)
- [Citroën e-Berlingo](#citroneberlingo)

<style>
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<div class="styled-table-wrapper">
<table class="car-features-table">
<thead>
<tr>
<th>Feature/Car Model</th>
<th>Smart #1</th>
<th>Hyundai Ioniq 6</th>
<th>Ford Focus</th>
<th>Kia Sportage</th>
<th>Peugeot 5008</th>
<th>Seat Ateca</th>
<th>Dacia Jogger</th>
<th>BMW X3</th>
<th>Škoda Enyaq</th>
<th>Citroën e-Berlingo</th>
</tr>
</thead>
<tbody>
<tr>
<td>Fuel Type</td>
<td>Electric</td>
<td>Electric</td>
<td>Petrol, Diesel, Mild-Hybrid</td>
<td>Petrol, Electric</td>
<td>Petrol, Diesel</td>
<td>Petrol, Diesel</td>
<td>Petrol, Hybrid</td>
<td>Diesel, Petrol, Plug-in-Hybrid</td>
<td>Electric</td>
<td>Electric</td>
</tr>
<tr>
<td>Consumption / Range</td>
<td>Pro+: 420km, Premium: 440km, Brabus: 400km</td>
<td>ca. 614 km</td>
<td>ca. 6.3l/100km</td>
<td>ca. 6.6 l/100km</td>
<td>ca 6l/100km</td>
<td>6.4l/100km</td>
<td>5.9 l/100km</td>
<td>2 l/100km (Hybrid)</td>
<td>ca. 500 km</td>
<td>ca. 280 km</td>
</tr>
<tr>
<td>Energy Rating</td>
<td>A</td>
<td>A</td>
<td>C/D</td>
<td>C</td>
<td>E</td>
<td>D</td>
<td>C</td>
<td>D</td>
<td>A</td>
<td>A</td>
</tr>
<tr>
<td>Doors</td>
<td>5</td>
<td>4</td>
<td>3 und 5</td>
<td>5</td>
<td>5</td>
<td>5</td>
<td>5</td>
<td>5</td>
<td>5</td>
<td>5</td>
</tr>
<tr>
<td>Seats</td>
<td>5</td>
<td>5</td>
<td>5</td>
<td>5</td>
<td>7</td>
<td>5</td>
<td>5-7</td>
<td>5</td>
<td>5</td>
<td>5-7</td>
</tr>
<tr>
<td>Boot Space</td>
<td>273 Liters</td>
<td>401 Liters</td>
<td>375 Liters</td>
<td>503 - 1,492 Liters</td>
<td>952 - 2,150 Liters</td>
<td>510 Liters</td>
<td>654 Liters</td>
<td>450-550 Liters</td>
<td>585-1710 Liters</td>
<td>209-4,000 Liters</td>
</tr>
</tbody>
</table>
</div>

<br>

<a id="smart1"></a>

# [smart #1](https://gowago.ch/en/explore/smart/smart-1)

![Smart #1](//images.ctfassets.net/1wz7s065hz5r/6MQxomzYqHMwp4XjRpHzL8/d091a5da1bb53e228423558d45dcdee2/190401_4448941099_smart_smart-1_e2ceee49286f37ec24508e878b8eb8f7276b69f1_original.jpg)

smart has come a long way since the little two-seaters, and it's come a long way. If you're looking for a compact electric SUV that's both spacious and comfortable, the smart #1 could be just what you're looking for. This smart runabout impresses with its modern design, high-quality materials and an impressive infotainment system. 

The Smart #1 impresses with its eye-catching design, which looks modern and futuristic. With its striking light signature and curved lines, it definitely makes an impression on the road. In the interior of the Smart #1, you can expect a minimalist design with high-quality materials. 

The large central infotainment display in particular stands out here, as it is extremely fast and user-friendly. In terms of space, the Smart #1 scores points. Both driver and passengers find sufficient space, and the high seating position ensures a good overview.

- **Fuel types**: Fully electric
- **Consumption range**:
    - Pro+ : 420km
    - Premium: 440km
    - Brabus: 400km
- **CO2 rating**: A
- **Number of doors**: 5
- **Number of seats**: 5
- **Boot capacity**: 273

The Smart #1 is ideal for environmentally conscious drivers looking for a comfortable and spacious electric SUV. With its modern design and high-quality materials, it is an attractive option. However, if you're looking for a vehicle with an impressive range and value eco-friendly driving enjoyment, the Smart #1 could be the right choice for you. 

[Discover the leasing offers for the Smart #1 on gowago.ch now, from as little as 453.- per month!](https://gowago.ch/en/explore/smart/smart-1)

<a id="hyundaiioniq6"></a>

# [Hyundai Ioniq 6](https://gowago.ch/en/explore/hyundai/ioniq-6)

![Hyundai Ioniq 6](//images.ctfassets.net/1wz7s065hz5r/2fC12VBKW20eMTK6ze1py4/09dd91016c58f0b97c3740a79e9a691f/Screenshot_2023-10-25_at_14.36.40.jpg)

This elegant electric car from Hyundai is not only a real eye-catcher, but also a technological masterpiece. With its aerodynamic design and impressive range, it is perfect for everyday driving and longer journeys. But as with everything, there are pros and cons. 

The Ioniq 6 scores with strong performance, a long range and extensive equipment. Inside, the Ioniq 6 is very well equipped and all features are easy to operate. Thanks to its electric motor, it accelerates very quickly and at the same time offers a quiet, calming ride (great when the baby finally falls asleep). For larger families, however, it could be a bit cramped, as the Ioniq 6 is, after all, a sedan and not an SUV.

- **Fuel types**: Electric
- **Consumption range**: Up to 614 km
- **CO2 rating**: A
- **Number of doors**: 4
- **Number of seats**: 5
- **Boot capacity**: 401 litres

Why should you choose the Hyundai Ioniq 6? Well, if you're an environmentally conscious driver who values comfort and technology, then the Ioniq 6 is for you. 

It's ideal for families smaller families who have to watch their budget, because the price-performance ratio is right. With three children, this car will probably not be the right choice. Nevertheless, the Ioniq 6 is worth considering for many. The range is also convincing in its class. There is really little to complain about. 

[At gowago.ch you can lease the Ioniq 6 from CHF 613 per month - check out the offers here!](https://gowago.ch/en/explore/hyundai/ioniq-6)
<a id="fordfocus"></a>

# [Ford Focus](https://gowago.ch/en/explore/ford/focus)

![Ford Focus](//images.ctfassets.net/1wz7s065hz5r/nMZiaJpqKYIV6O0Jys24f/a6ece332c95ea03c31e828888d713f1c/ford-focus1.jpg)

The Ford Focus, a true bestseller and a symbol of quality and reliability, has made a name for itself over the years. Originally built on the outskirts of Detroit, this compact runabout is available as both a hatchback and an estate. With its smooth handling and impressive fuel efficiency, it's a dream for anyone looking for an economical car. 

But as with any car, there are pros and cons. While the Focus scores points for its fun-to-drive and comfortable ride, its engines, especially the four-cylinder and three-cylinder, are a bit slow compared to some of its rivals. The interior may seem a little dated, but the optional Sync 3 touchscreen infotainment system is user-friendly and supports both Apple CarPlay and Android Auto.

- **Fuel Types**: Petrol, diesel and mild hybrid.
- **Consumption range**: approx. 6.3l/100km.
- **CO2 rating**: C/D
- **Number of doors**: 3 and 5 doors
- **Number of seats**: 5
- **Boot capacity**: 375 litres

In conclusion, the Ford Focus is the perfect car for young, smaller families. It is affordable and reliable, but still has enough space for child seats, shopping, and luggage. Thanks to the nevertheless modern infotainment system, it never gets boring on the road. With its blend of comfort, efficiency and modern technologies, it is one of the best options on the market. 

[Discover the classic now on gowago.ch for as little as 236.- a month as a lease.](https://gowago.ch/en/explore/ford/focus)
<a id="kiasportage"></a>

# [Kia Sportage](https://gowago.ch/en/explore/kia/sportage)

![Kia Sportage](//images.ctfassets.net/1wz7s065hz5r/62rpNWbR8A5MKveycpbEHv/0cc43ea1ed8a00685e735a01f9222349/Screenshot_2023-10-25_at_14.39.55.jpg)

The Kia Sportage is not just another SUV on the market. It is a statement. A vehicle that is both stylish and adventurous. With its sleek and modern design, it's sure to turn heads. With the latest technology, the Sportage has everything you need for a safe and fun drive. 

It has enough space for up to five people, making it ideal for families or groups of friends travelling together. And with a host of features, it's a real pleasure to drive. But as with most SUVs, fuel consumption can be slightly higher than in smaller vehicles.

- **Fuel types**: Petrol and electric.
- **Consumption range**: approx. 6.6 l/100km.
- **CO2 rating**: C
- **Number of doors**: 5 doors.
- **Number of seats**: 5 seats.
- **Baggage capacity**: 503 - 1,492 litres.

If you're looking for a car that's both functional and stylish, the Kia Sportage is for you. With space inside but not excessive exterior size, the Sportage is a perfect match for smaller families. 

[Easy to park, easy to drive, with plenty of space - in gowago.ch leasing, the Sportage is available from just 300.- per month. You can find the offers here.](https://gowago.ch/en/explore/kia/sportage)

<a id="peugeot5008"></a>

# [Peugeot 5008](https://gowago.ch/en/explore/peugeot/5008)

![Peugeot 5008](//images.ctfassets.net/1wz7s065hz5r/32u1AvvDDJO30xesm7cZ0E/e2511d927cdaf70452fc4ce230593170/Screenshot_2023-10-25_at_14.44.09.jpg)

A car built for families, adventurers and city dwellers alike. With its chic design and impressive practicality, it's a real all-rounder that's comfortable yet stylish. The layout in the cabin is intuitive and well thought out, so you don't get distracted while driving and can find everything you need instantly. 

It looks fantastic, offers plenty of space in all seats and has a high-quality interior. The exterior design is also impressive.

- **Fuel types**: Petrol and diesel.
- **Consumption range**: approx. 6l/100km.
- **CO2 rating**: E
- Number of doors**: 5 doors.
- Number of seats**: 7 seats.
- **Baggage capacity**: 952 litres with five seats, increases to a massive 2,150 litres when everything is folded down.

If you're looking for a stylish, very spacious family car that doesn't mean boring in practical terms, then the Peugeot 5008 is for you. It's perfect for new drivers, families and anyone looking for a reliable and chic car without spending a fortune. 

[Here you can find great leasing offers from gowago.ch for the Peugeot 5008, starting at just CHF 400 a month!](https://gowago.ch/en/explore/peugeot/5008)

<a id="seatateca"></a>

# [Seat Ateca](https://gowago.ch/en/explore/seat/ateca)

![Seat Ateca](//images.ctfassets.net/1wz7s065hz5r/2wGqFjneX5IjJKYkdZeDWa/eebd7ef786baebe50d0bf5a0043c8447/Seat_Ateca_1.5_TSI_ACT_FR__Facelift____f_22112020.jpg)

The SEAT Ateca is more than just another SUV on the market. With its sharp design and modern technology, it stands out from the crowd. This family SUV is designed to be both practical and fun. It offers an impressive blend of in-car technology and spacious interior, ideal for family trips or the daily commute. 

But like any car, the Ateca has its pros and cons. The pros include a large boot, powerful petrol engines and a fun driving experience, especially for an SUV. On the negative side, it could be a little more comfortable on bumpy roads, and some of the interior materials could be of better quality.

- **Fuel types**: Petrol and diesel.
- **Consumption range**: 6.4l/100km.
- **CO2 rating**: D
- **Number of doors**: 5 doors.
- **Number of seats**: Space for 5 people
- **Baggage compartment capacity**: 510 litres

For young families looking for a reliable, stylish and technology-driven vehicle, the SEAT Ateca is the perfect choice. With a good price-performance ratio, it is also suitable for those who need to keep a budget in mind. 

[At gowago.ch you can take out a lease for the Ateca from as little as CHF 230 per month - you can find the offers by clicking here.](https://gowago.ch/en/explore/seat/ateca)

<a id="daciajogger"></a>

# [Dacia Jogger](https://gowago.ch/en/explore/dacia/jogger)

![Dacia Jogger](//images.ctfassets.net/1wz7s065hz5r/25YeEHbg51g97YevUm3we7/4fe476de318ecf41453188083c1a3df8/2023_Dacia_Jogger_front.jpg)

Are you looking for a car that is both practical and affordable? Then let me introduce you to the Dacia Jogger. This model was unveiled as the successor to the Logan MCV and Lodgy and has since delighted many motorists. With its mix of crossover design elements, although it's not really an SUV, the Jogger offers the best of both worlds. 

A real plus is the option between five and seven seats, depending on what you need. But as with any car, there are pros and cons. One big plus is certainly the hybrid powertrain called the Hybrid 140, which was unveiled at the 2022 Paris Motor Show.

- **Fuel types**: Petrol / Hybrid
- **Consumption range**: 5.9 l/100km
- **CO2 rating**: C
- Number of doors**: 5
- Number of seats**: 5-7
- Boot capacity**: 654l

So in conclusion, who is the Dacia Jogger the right car for? If you're a price-conscious buyer looking for a versatile and practical car, the Jogger could be for you. Families will love the seven-seat option, and those who love camping will be delighted with the optional Sleep Pack, which turns the Jogger into a camper. 

[So, why not discover this incredible deal today and grab the Dacia Jogger - lease deals on gowago.ch start from just CHF 270 per month.](https://gowago.ch/en/explore/dacia/jogger)

<a id="bmwx3"></a>

# [BMW X3](https://gowago.ch/en/explore/bmw/x3)

![BMW X3](//images.ctfassets.net/1wz7s065hz5r/1hJKtZ0J6vT5u4fZHkMHMU/b5576df5793a4e1eaf195bc00172be75/X3.jpg)

The BMW X3 is more than just another SUV on the market. It embodies a perfect blend of elegance, performance and practicality. With its striking design, it attracts all eyes while scoring points with a luxurious and well-built interior. City driving is a breeze and there is plenty of room for all passengers, making it ideal for family outings. 

But no car is without its weaknesses. While the X3 shines in many areas, it could go one step further in terms of comfort. Some of the top models could be more fuel efficient, and the plug-in hybrid could do with a better electric range.

- **Fuel types**: Diesel, petrol, plug-in hybrid.
- **Consumption range**: 2 l/100km for the hybrid.
- **CO2 rating**: D
- **Number of doors**: 5 doors.
- **Number of seats**: 5
- **Baggage capacity**: 550 litres, reduced to 450 litres for the plug-in hybrid model.

If you're looking for a reliable and stylish SUV that excels both in the city and on long journeys, the BMW X3 is for you. It's not just a car, it's a statement. It's ideal for families on the go, but also for individuals looking for comfort and performance in one vehicle. With the BMW X3, you're making a choice for quality, performance and style. 

[So why not take a look today and see for yourself? At gowago.ch you can get a lease on the BMW X3 from as little as 460 a month.](https://gowago.ch/en/explore/bmw/x3)

<a id="kodaenyaq"></a>

# [Škoda Enyaq](https://gowago.ch/en/explore/skoda/enyaq-iv)

![Skoda Enyaq](//images.ctfassets.net/1wz7s065hz5r/5A4rAD7iy0p9eTA3yfiss2/e75b7124a4a3ca3301ca5d3dcf3c604a/Screenshot_2023-10-25_at_14.51.26.jpg)

Are you looking for the ideal car for everyday use and want to reduce your ecological footprint? Then the Skoda Enyaq could be just what you're looking for! This model is not only a real eye-catcher on the road, but also convinces with its inner values. 

The Skoda Enyaq is an all-electric SUV that cuts a fine figure both in the city and on the motorway. Benefits include an impressive range, a spacious interior and modern technologies that make driving a pleasure.

- **Fuel types**: All-electric.
- **Consumption range**: Up to 500 kilometres
- **CO2 rating**: A
- **Number of doors**: Five doors.
- **Number of seats**: Five seats
- **Baggage capacity**: 585-1710 litres.

So if you're looking for an eco-friendly car that's both stylish and practical, the Skoda Enyaq is the perfect choice for you. It's great for families who need plenty of space, but also for commuters who want a reliable car for their daily commute to work. With our attractive leasing offers, you can now enter the world of electric mobility without spending a fortune. 

[So what are you waiting for? Switch to electric and experience the future of driving with the Skoda Enyaq - at gowago.ch from just 410.- per month on lease.](https://gowago.ch/en/explore/skoda/enyaq-iv)

<a id="citroneberlingo"></a>

# [Citroën e-Berlingo](https://gowago.ch/en/explore/citroen/berlingo)

![Citroen Berlingo](//images.ctfassets.net/1wz7s065hz5r/3611teMTQYGkD0C9nkC1HF/9560d0db494f343d691f72e46cbf366a/2019_Citroen_Berlingo_Feel_Puretech_1.2_Front.jpg)

The Citroen e-Berlingo is not just a car, but a real all-rounder for the family. While it may not have the sharpest design of an SUV, it outperforms many of its competitors in terms of practicality, value for money and interior space. Although its range is shorter than that of its competitors, it is sufficient for most short or long journeys. 

The space in the boot is particularly praiseworthy. At the same time, the e-Berlingo offers a pleasant ride thanks to the suspension, and the seats are also comfortable. Also clever are all the features designed especially for families, such as the fold-out tables everywhere and a roof box that does not sit on top but is part of the actual roof.

- **Fuel types**: Electric.
- **Consumption range**: approx. 280 km.
- **CO2 rating**: A
- **Number of doors**: 5 doors.
- **Number of seats**: Available as 5 or 7 seater.
- **Luggage capacity**: Five-seater models offer 775 litres of boot space, while seven-seater XL models have 209 litres. With the seats folded down, even up to 4,000 litres!

So if you're looking for a car that's suitable for both daily commuting and family holidays, the Citroen e-Berlingo is for you. Especially for families who value space and practicality, or for those looking for an environmentally friendly way to get from A to B, this car is ideal. It's an ideal entry-level car for e-mobility. And with the deals currently available, investing in a new car has never been easier. 

[So what are you waiting for? Get in and experience the e-Berlingo for yourself, at gowago.ch it's available on lease from just 370 a month.](https://gowago.ch/en/explore/citroen/berlingo)

## Conclusion

In this comprehensive car comparison, we've navigated through a diverse selection of vehicles to address the ever-present question: "Which car suits my family's needs best?" Our journey has encompassed an array of classes, from compact electric SUVs like the smart #1 and Hyundai Ioniq 6 to the family-friendly Ford Focus and spacious SUVs like the Kia Sportage and Peugeot 5008. We've also explored options like the SEAT Ateca for those who crave a mix of style and practicality, the budget-friendly Dacia Jogger, the elegant BMW X3 for urban and long-distance drives, the environmentally conscious Škoda Enyaq, and the versatile Citroën e-Berlingo.

Ultimately, the "perfect" car varies from family to family, depending on their specific needs and priorities. We hope this comparison has shed light on the diverse options available, helping you on your quest to find the ideal vehicle that suits your lifestyle and makes every journey a pleasure.

Discover the 10 best cars for families of any size on any budget. Find out more about the Smart #1, the Skoda Enyaq, the Ford Focus and many more.

Which car should you lease for your family?

The Top 10 Family Cars in Switzerland

![Winter car](//images.ctfassets.net/1wz7s065hz5r/8BlolYO0JGQLVXzbDGWY6/8c75bb406a9e9af7384cfb81428ed38a/London_2023-12.jpg)

Winter always brings its surprises. Whether it's sudden snow in the morning, icy surfaces, or just the cold - you never know exactly what to expect. It's not just the external environment that changes, but also the way our car reacts to these conditions. A car that is not ready for winter can easily start to slide, the battery can go flat in the cold, and window scraping can be torturous.

That's why you should be proactive and make sure you and your car are prepared for everything winter has to offer and can cruise through the winter landscape safely and without stress.

In the following sections, [gowago.ch](http://gowago.ch/) will show you a checklist that should help you make it into spring without any problems. And who knows, you might even discover that winter driving can be quite a pleasure with a well-prepared car!

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[**<big>1. Do I need to fit winter tyres?</big>**](#1doineedtofitwintertyres)
- [ ] Winter tyres are not compulsory, but still a must
- [ ] Check the tread depth of old tyres
<br>

[**<big>2. How do I protect my car from frost?</big>**](#2howdoiprotectmycarfromfrost)
- [ ] Check cooling water that includes antifreeze agent
- [ ] Take care of door seals and make them frost-proof
<br>

[**<big>3. How do I get my car to dependently start in winter?</big>**](#3howdoigetmycartodependentlystartinwinter)
- [ ] Check and charge car battery
- [ ] For diesels: allow to preheat
- [ ] For internal combustion engines: let it warm up
- [ ] For electric cars: reduced range
<br>

[**<big>4. What accessories should I have in the car?</big>**](#4whataccessoriesshouldihaveinthecar)
- [ ] Keep an ice scraper and hand brush handy
- [ ] De-icer spray for quick de-icing of windows and door locks
- [ ] Snow Chains for the harshest conditions
<br>

[**<big>5. How do I ensure good visibility in winter?</big>**](#5howdoiensuregoodvisibilityinwinter)
- [ ] Check and replace windscreen wiper blades
- [ ] Fill up windscreen cleaning fluid with anti-freeze agent
<br>

[**<big>6. How do I protect my car from salt?</big>**](#6howdoiprotectmycarfromsalt)
- [ ] Wash car regularly
- [ ] Apply underbody protection
<br>

[**<big>7. How do I make sure my car is always warm?</big>**](#7howdoimakesuremycarisalwayswarm)
- [ ] Test the heating and ventilation
<br>

[**<big>8. Should I have a winter service?</big>**](#8shouldihaveawinterservice)
- [ ] Yes, have a winter check done at the garage
- [ ] Have brakes and lights checked
<br>

## 1. Do I need to fit winter tyres?

Imagine you're driving on a snow-covered road and suddenly you lose control of your car. Scary, isn't it? Of course, you want to avoid this situation at all costs. [So, bring on the winter tyres - at gowago.ch, the all-in-one package Essentials and Premium includes the change of tyres, their storage and replacement, in the monthly price. ](https://gowago.ch/en/all-in-one)However, you should always keep the following things in mind.

### Winter tyres are not compulsory, but still a must

Winter tyres are specially designed for cold temperatures and wintery road conditions. They have a different tread and rubber compound than summer tyres, which gives them a better grip on snow and ice. In Switzerland, winter tyres are not officially compulsory by law. However, you must be aware that summer tyres really have very little grip on snow and ice. The risk of an accident is therefore increased accordingly. If you have an accident while still driving with summer tyres, you could also have problems with your insurance.

### Check the tread depth of used tyres

But it's not enough to just have winter tyres. You also need to make sure they are in good condition. The tread depth of your tyres is crucial for grip on the road. A good guideline is a tread depth of at least 4 mm. And remember, tyres age too! Even if the tread still looks good, old tyres can lose their braking properties. A tyre that is more than 10 years old should be replaced for safety reasons.

You can check the tread depth either by looking at the "bridges" placed in the notches of the tread, or by getting a two-franc piece - if the feet of the Helvetia figure are covered, the tyres are still OK.

## 2. **How do I protect my car from frost?**

Frost and icy temperatures can lead to various problems, from frozen doors to engine damage. Here are simple ways to avoid issues.

### **Check coolant and add antifreeze agent if necessary**

The coolant in your car has a very important job: it keeps the engine cool and prevents overheating. But did you know that the coolant can freeze in winter? If this happens, it can cause serious engine damage. That's why it's important to check the coolant level regularly and add antifreeze if needed. This special agent prevents the water from freezing and keeps your car's engine safe.

### **Maintaining door seals and making them frost-proof**.

Have you ever had your doors freeze? Not only troublesome, but also uncomfortable, because you're stuck in the cold, and it’s annoying when you're in a hurry. But did you know that there is a simple solution? Your car's door seals can be treated with grease and water-repellent care products that prevent them from freezing to the frame. The home remedies Vaseline, lip balm, silicone oil or deer tallow can also help. These agents not only protect against frost, but also against wear and tear and cracks. A small step that can make a big difference!

## 3. **How do I get my car to dependently start in winter?**

Especially in winter, your car may have some ignition difficulties. Cold temperatures can affect your car's performance and make it difficult to start. But don't panic! Here are some tips that can help you make sure your car starts reliably even on the coldest days.

### **Check and charge your car battery**.

The car battery is the heart of your vehicle. It powers all the electrical systems and ensures that the engine starts. But in winter, the battery can quickly lose charge. Why? Cold temperatures can slow down the chemical processes in the battery, leading to a drop in performance. Therefore, it is important to check the battery regularly and charge or replace it when necessary. A simple test can tell you if the battery still has enough juice or if it's time for a new one.

### **For diesel: let it pre-glow**.

Do you drive a diesel? Then you're probably familiar with the pre-glow function. This little curly icon on your dashboard indicates that your engine's glow plugs are heating up. These plugs help to preheat the engine and ensure a smooth start in cold temperatures. It may be tempting to skip the start and drive straight off, but a little patience can really help your engine. So, next time it's cold, just wait a few seconds for the preheat symbol to go out before you start the engine. Your car will thank you!

### **For internal combustion engines: let it warm up**.

It can be tempting to hit the gas as soon as your car is running. Especially when you're in a hurry, you don't want to waste time trying to get off to a smooth start. But believe us, you should be gentle with your engine in cold temperatures. If you repeatedly overuse your car when it's cold, it can lead to faster wear. This is because the oil in the engine is not yet warm and therefore does not flow as well. With turbo engines, rough driving right after starting can even cause immediate damage.

### With e-cars: reduced range

In winter, the range of e-cars can decrease. Colder temperatures affect battery efficiency, and extra energy is needed for heating, lighting and increased tyre rolling resistance. Seals and lubricants can also become stiffer. Some modern e-cars have adaptations for cold, but you should still expect reduced range and allow more charging time in winter.

## 4. **What accessories should I have in the car?**

It's winter and you're on your way to work or maybe a weekend trip to the mountains. Suddenly you notice that your windscreen is iced up or snow is covering the roof of your car. Without the right accessories, this can become a real problem. But don't worry, with a few simple tools you'll be well prepared for such situations.

### **Keep winter accessories like ice scrapers and hand brushes handy**.

An ice scraper is an absolute must in every car in winter. It helps you to clean icy windows quickly and efficiently so that you have a clear view and can drive safely. It can be done with a credit card if necessary, but it's super annoying. It's best to get a hand scraper that comes with a built-in glove and a hand brush. A hand brush is also very useful for removing snow from the roof and windows of your car. Why is this so important? Well, if you drive with a snow-covered car, the snow can fall off while you are driving and endanger other road users - and you can be fined for it.

### **De-icer spray for quick de-icing of windows and door locks**.

Sometimes, especially on extremely cold days, an ice scraper alone is not enough. This is where the de-icer spray comes into play. This handy spray can be used to quickly de-ice frozen windows and even frozen door locks. Imagine you're running late and have to leave in a hurry, but the door locks are frozen. A quick squirt of de-icer spray and the problem is solved! It's a little tool that can make a big difference in the winter.

### **Snow Chains for the harshest conditions**

Snow chains are necessary during heavy snowfall or icy conditions, providing enhanced traction, which is crucial for safety. They are particularly vital on steep roads or in regions where winter tires aren't sufficient - some mountain roads will mandate the use of snow chains during heavy snowfall. However, they should not be used on clear roads as they can damage the surface and the vehicle. Moreover, snow chains can adversely affect ride comfort and fuel efficiency. It's essential to install them only when needed, and to adhere to local regulations regarding their use.

## 5. **How do I ensure good visibility in winter?**

In the cold, your windows fog up, get icy, it snows, or all the salt from the road messes up your vision. This can endanger your safety and that of other road users. But don't worry, with a few simple steps you can make sure you always have a clear view, no matter what the weather is like.

### **Check and replace windscreen wiper blades**.

Windscreen wipers are especially important in winter. They help remove snow and ice from the windscreen, ensuring a clear view. Worn or damaged wiper blades can leave streaks and worsen visibility. Therefore, it is important to replace them regularly.

### **Fill up windscreen cleaning fluid with antifreeze agent**.

Normal windscreen washer fluid freezes quickly at low temperatures. Therefore, in winter you should always buy one that has antifreeze in it. This special fluid is designed not to freeze in cold temperatures and ensures that you always have a clear view. A lot of vodka or other spirits are mentioned as home remedies - but they don't work at lower temperatures.

## 6. **How do I protect my car from salt?**

To make the roads safer, road salt is often spread. The salt melts the ice and thus improves road conditions. But road salt can cause corrosion and shorten the life of your car. Therefore, you should remove the salt if possible.

### **Wash your car regularly**.

It may sound simple, but washing your car regularly in winter can work wonders. Washing removes the salt that has accumulated on the paintwork and under the car. It is especially important to wash the underbody, as this is where most salt accumulates.

### **Apply underbody protection**

Another tip to protect your car from road salt is to apply underbody protection. This is a special coating that is applied to the underbody of your car to protect it from corrosion. It forms a barrier between the metal of your car and harmful elements such as road salt. New cars and recent used cars come with this underbody protection from the factory, and it should last a while - but not forever. Have a professional check that the underbody is still adequately protected at your next service.

## 7. **How do I make sure my car is always warm?**

Ice-cold seats, foggy windows and a steering wheel that feels like it's straight out of the Arctic - these are things no one wants to experience in winter. A warm car is not only more comfortable, but also safer, as fogged or icy windows can impair visibility. Here are a few tips.

### **Check heating and ventilation**.

Your car's heating and ventilation are essential in winter. Not only do they keep you warm, but they also help prevent fogged windows. It's important to check these systems regularly to make sure they are working properly. If you notice that the heating isn't working as well as it used to, it might be time to have it checked by a professional.

Some cars, usually in the higher price range, also have a parking heater. Depending on the car, you can set the heating via the app or in the car's settings so that you always get into an already preheated car in the morning. Luxury!

But please avoid starting your car as soon as you get up and letting it warm up while you drink your coffee and get ready. The environment will thank you.

## 8. **Should I have a winter service?**

With the above points, you should have your car ready for winter. However, some things should be checked by a professional. In most cases, however, these measures are already part of the annual service.

### **Yes, have a winter check carried out at the workshop**.

A winter check is not only a good idea, but can also be crucial for safety on the road. A specialist garage will check all the major components of your car to make sure they are working optimally. Remember, a well-maintained car is not only safer, but can also avoid expensive repairs in the future. 

[To cover you for your regular service intervals, which may not be before the winter months though, the gowago.ch All-in-one packages include this in the monthly price. To learn more, click here. ](https://gowago.ch/en/all-in-one)

### **Check important components such as brakes and lighting**.

The brakes are one of the most important safety systems of your car. In winter, when the roads can be slippery and dangerous, it's even more important that they work properly. During a winter check, the brakes are thoroughly checked and serviced if necessary. Lighting is also crucial in winter. Short days and long nights mean you will often be riding in the dark. Therefore, it is important that all lights work properly and are well adjusted.

## Conclusion:

In summary, preparing your car for winter is not just a matter of comfort, but more importantly, safety. A well-maintained and winterised car reduces the risk of accidents and keeps you and your loved ones safe on the road. Whether you own a car, lease one or are just entering the world of mobility, it is always wise to be proactive. With the right precautions and a little preparation, you can ensure that you enjoy winter instead of dreading it. Stay safe and enjoy the ride!

Should you have any questions regarding your car with all-in-one, contact our customer support: all-in-one@gowago.ch / +41 43 588 25 15

Get your car ready for winter! ❄️ Here's what you need to know before the first snow and frost arrive! Tyres ✅ Antifreeze ✅ Battery ✅ Windows ✅

What you should check on your car before winter.

Checklist: Get your car ready for winter!

Discover the top 10 hatchbacks in Switzerland! Would you prefer a Skoda, Mitsubishi, Renault or Kia? We are here to help you decide!

Which hatchback suits you best?

The Top 10 Hatchbacks in Switzerland 2023

![Während dem Leasing ](//images.ctfassets.net/1wz7s065hz5r/2m1MKMDIbHHRJvl9ywRZhK/c295a0a039f9bce1e41fb760bb43b452/Card_window.jpg)

Congratulations on leasing your dream car! I bet you can’t wait to hit the road and enjoy the new freedom you have! And that smell! Nothing better than the smell of a new car in the morning! 

__But don’t get carried away too much.__

It's essential to ensure that you make the most of your experience and avoid any potential pitfalls. This article provides a comprehensive checklist to guide you through the leasing period, ensuring that you maintain your car's condition, adhere to the contract terms, and prepare for the lease's conclusion. All these points will help you during your leasing contract, so that in the end, you will have had a smooth ride in all areas!

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[**<big>1. Regular Maintenance and Service</big>**](#1regularmaintenanceandservice)
- [ ] Find an authorised manufacturer service centre near you
- [ ] Service your car every 15’000km or according to manufacturer guidance
- [ ] Keep all service records and receipts
<br>

[**<big>2. Monitor Mileage</big>**](#2monitormileage)
- [ ] Check your mileage every 6 months
- [ ] Adjust driving habits if necessary
<br>

[**<big>3. Insurance and Coverage</big>**](#3insuranceandcoverage)
- [ ] Ensure your comprehensive insurance remains active and you are aware of updates
- [ ] Report any accidents or damages to the insurance promptly
<br>

[**<big>4. Maintain the Car's Aesthetics</big>**](#4maintainthecarsaesthetics)
- [ ] Clean the car regularly, both inside and out
- [ ] Address minor dents or scratches
<br>

[**<big>5. Financial Commitments</big>**](#5financialcommitments)
- [ ] Maintain a standing payment 
- [ ] Keep you leasing in mind when budgeting
<br>

[**<big>6. Avoid Unauthorized Modifications</big>**](#6avoidunauthorizedmodifications)
- [ ] Check the allowance for customisation with leasing company
- [ ] Check the legal status of any planned modifications
<br>

## 1. Regular Maintenance and Service

### Find an authorised service centre near you

#### Where should I get my car serviced? 

When it comes to maintaining your leased vehicle, where you take it matters. Authorized service centers offer a wealth of benefits. Firstly, they have specialized knowledge about specific car models, ensuring your vehicle gets the tailored care it deserves. 
<br>Secondly, they use genuine parts, which are designed to fit and function perfectly with your car. So, whether you're seeking advice, routine service, or addressing a particular issue, always opt for authorized centers. It's a choice that speaks of quality and expertise. 
<br>Also, find the nearest one to you. When you get your car serviced, it might take some time, and you will want to have a short(-ish) journey home and back to retrieve it. This makes the whole affair much more convenient.

### Service your car every 15’000km or according to manufacturer guidance

#### Why do I need to service my car?

When you find a close authorised service centre, it will also be far more likely that you will actually adhere to the service intervals. Regular maintenance is the cornerstone of a car's longevity and performance. 
<br>For those who've embraced the convenience of leasing, it's crucial to stick to the recommended service intervals. Why? Because timely check-ups can spot potential issues before they escalate, ensuring your car runs efficiently and safely. Whether you're driving a sleek sedan or a rugged SUV, consistent service intervals are the key to optimal performance.
<br>Keeping up with the service intervals also ensures that the car’s value depreciates less and that it flies through the kilometres like a breeze.

[With gowago.ch you can easily organise the servicing of your car with one of the All-in-one packages and pay for it in one monthly payment together with the leasing rate. 
](https://gowago.ch/en/all-in-one)<br>
### Keep all service records and receipts

#### Should I keep my service records?

In the world of cars and mobility, documentation is gold. Keeping a meticulous record of all service receipts and records serves multiple purposes. It provides a clear history of the car's maintenance, ensuring you're always in the loop about its health. 
<br>For those considering future trade-ins or resale, these records can significantly boost the car's value. They're a testament to its well-maintained status, making it a more attractive choice for potential buyers. 
<br>Furthermore, keeping the records straight ensures that, once you give the car back to the leasing company, and any issues are found with the car, you have proof to tell that you made sure the car is in good nick.
<br>

## 2. Monitor Mileage

### Check your mileage every 3 months
#### How can I check my mileage?

During your lease, you might wonder: “What mileage should I be at right now?” 

One of the pivotal aspects of a leasing agreement is the mileage limit. Exceeding this limit can lead to additional costs, often catching lessees off-guard. To avoid such surprises, it's imperative to track your mileage. 
<br>Let’s say, you booked a 15’000km/year kilometre package - that would make 1250km per month. After six months, you should then be at 7’500km. Don’t forget that if you have a used car, you need to calculate the kilometres on top of the pre-existing mileage. 
<br>See below a table for each kilometre package and the mileage you should be at after a certain time:

<html lang="en">
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    <meta name="viewport" content="width=device-width, initial-scale=1.0">
    <title>Movable Table</title>
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    <table contenteditable="true">
        <tr>
            <th>Mileage/Months</th>
            <th>1 Month</th>
            <th>6 Month</th>
            <th>12 Month</th>
            <th>18 Month</th>
            <th>24 Month</th>
            <th>30 Month</th>
            <th>36 Month</th>
            <th>42 Month</th>
            <th>48 Month</th>
            <th>54 Month</th>
            <th>60 Month</th>
        </tr>
        <tr>
            <td>10,000</td>
            <td>833</td>
            <td>5,000</td>
            <td>10,000</td>
            <td>15,000</td>
            <td>20,000</td>
            <td>25,000</td>
            <td>30,000</td>
            <td>35,000</td>
            <td>40,000</td>
            <td>45,000</td>
            <td>50,000</td>
        </tr>
        <tr>
            <td>15,000</td>
            <td>1,250</td>
            <td>7,500</td>
            <td>15,000</td>
            <td>22,500</td>
            <td>30,000</td>
            <td>37,500</td>
            <td>45,000</td>
            <td>52,500</td>
            <td>60,000</td>
            <td>67,500</td>
            <td>75,000</td>
        </tr>
        <tr>
            <td>20,000</td>
            <td>1,667</td>
            <td>10,000</td>
            <td>20,000</td>
            <td>30,000</td>
            <td>40,000</td>
            <td>50,000</td>
            <td>60,000</td>
            <td>70,000</td>
            <td>80,000</td>
            <td>90,000</td>
            <td>100,000</td>
        </tr>
        <tr>
            <td>25,000</td>
            <td>2,083</td>
            <td>12,500</td>
            <td>25,000</td>
            <td>37,500</td>
            <td>50,000</td>
            <td>62,500</td>
            <td>75,000</td>
            <td>87,500</td>
            <td>100,000</td>
            <td>112,500</td>
            <td>125,000</td>
        </tr>
        <tr>
            <td>30,000</td>
            <td>2,500</td>
            <td>15,000</td>
            <td>30,000</td>
            <td>45,000</td>
            <td>60,000</td>
            <td>75,000</td>
            <td>90,000</td>
            <td>105,000</td>
            <td>120,000</td>
            <td>135,000</td>
            <td>150,000</td>
        </tr>
    </table>
</body>
</html>

### Adjust driving habits if necessary
#### How can I avoid using to much mileage when leasing?

If you notice you're consistently nearing or surpassing your monthly mileage limit, it might be time for a change. Adjusting driving habits doesn't necessarily mean driving less, but driving smarter. 
<br>For instance, consider carpooling on longer trips or combining multiple errands into one trip. Such small adjustments can significantly reduce monthly mileage, ensuring you remain within your lease's parameters. 
<br>Also, plan ahead: You don’t want to be stuck at your mileage limit before the year is over - and suddenly be forced to become a pedestrian!

## 3. Insurance and Coverage

### Ensure your comprehensive insurance remains active and you are aware of updates
#### What do I need to look out for with insurance while leasing?

The world of cars and mobility is ever-evolving. Perhaps you've upgraded something on your car, added safety features such as a dashcam or blackbox, or even changed your parking arrangements. 
<br>All these factors can influence your insurance policy. Regularly reviewing your policy ensures it remains up-to-date, reflecting your current situation. This not only ensures optimal coverage but can also lead to potential savings.

### Report any accidents or damages to the insurance promptly
#### Should I also get little damages fixed when leasing?

Accidents, no matter how minor, can be daunting. However, in the aftermath, it's crucial to report any damages or accidents to your insurance provider promptly. Timely reporting can expedite claims processes, ensuring quicker repairs and minimise downtime. 
<br>Whether it's a minor scratch or a more significant incident, prompt communication with your insurer is key. It also helps that minor incidents that don’t really affect your driving experience don’t become forgotten. 
<br>Your car needs to be in good nick once you give it back, and excessive damage will cost you in reperations - why risk that if the insurance would have covered it when the incident happened?

[With All-in-one with gowago.ch, insurance is already included in each of the packages. You can find out more about insurance with gowago.ch and Baloise here. ](https://gowago.ch/en/all-in-one)

## 4. Maintain the Car's Aesthetics

### Clean the car regularly, both inside and out.
#### Do I need to clean the car when leasing?

To maintain the pristine look of your leased vehicle, regular cleaning is paramount. Whether you're driving a sleek sedan or a robust SUV, dirt and grime can accumulate over time. 
<br>Especially during our winters in Switzerland, when the roads are salted, the salty slush can expedite the forming of rust under your car and in your wheelarches. So in winter, opt also for an undercarriage cleanse. 

The car's interior is where you spend most of your time, making its upkeep equally essential. Simple habits can make a significant difference. Avoiding smoking in the car can prevent lingering odors and potential stains. 
<br>Regularly vacuuming the seats and floor mats, coupled with occasional deep cleaning, can keep the interior looking and smelling fresh. It is no issue to eat or drink in the car, but perhaps refrain from spreading (especially smelly) food all over the cabin. 
<br>Make sure that any spilled drinks, mud on the carpets, or other marks are dealt with quickly, so that they do not have the chance to dig their way into the fabrics and materials. 

By cleaning the car both inside and out, you not only enhance its appearance but also protect the paintwork and interior materials. I mean, who doesn’t like a clean car - it’s just a nicer place to be! Opt for quality car wash services or products, ensuring a gentle yet effective cleanse.

### Address minor dents or scratches
#### What damage on my car is okay when leasing?

Life happens, and with it come the occasional dents or scratches. Do not forget that the rims are also part of the exterior, so be careful when parallel parking. While these might seem minor, addressing them promptly can prevent further deterioration. 
<br>For instance, a small scratch, if left untreated, can lead to rust or more extensive paint damage. By seeking professional advice and repair services, you ensure these blemishes don't diminish the car's aesthetics or value. 

The following margins are still considered okay when returning the car to gowago.ch: 

1. **Tires:**
    - Winter tread depth: At least 2 mm.
2. **Rims:**
    - Light scratches or scuffs up to 2 cm without breakage.
    - Steel rims with minor rust.
    - Alloy rims with minor paint damage up to 2 cm.
    - Max of 2 minor damages per rim.
3. **Paint:**
    - Damages removable by polishing.
    - Stone chips in the front (limited density and number).
    - Minor scratches near door handles.
    - Minor scuffs on door edges and bumpers.
    - Minor paint changes from car washes.
    - Matte spots.
4. **Body:**
    - Up to 2 dents per part, not larger than 20 mm.
    - Dents not chipping the paint.
    - Damages not affecting road safety.
5. **Glass:**
    - Damages not affecting road safety.
    - Minor stone chips in headlights.
    - Minor stone chips in the windshield not obstructing view.
6. **Interior/Cargo Area:**
    - Minor color changes or fading.

## 5. Financial Commitments

#### How should I pay for my leasing?

### Maintain a standing payment

Life is already complex enough, so don’t make it even more complicated by having to remember to pay your monthly leasing rate. Just install a standing payment at your bank, where you leasing and your All-in-one package is paid automatically. 

Forgetting to pay your invoice can happen, we are all human. Yet ensure that this does not become a habit. Besides, having open bills will just stress you out. Regular payments not only maintain a positive relationship with the lessor but also bolster your credit score.

### Keep your leasing in mind when budgeting
Leasing is a midterm commitment between 2-4 years. Keep these invoices in mind when you are making your monthly budget. It is best to pay your rate at the beginning of the month, so that there is no chance you might forget and accidentally overspend on other things. 
<br>If there should at sompoint be a moment where you realise that your monthly budget might be tight and you will not be able to pay your invoice, contact your leasing provider. There might be a way to figure things out without you having to just leave a bill unpaid and risk issues of debt.

## 6. Avoid Unauthorized Modifications

#### Can I modify my car when leasing?

### Check the allowance for customisation with leasing company

Perhaps you want to wrap your car in a new colour, or install a new exhaust, or customise it in any other way to suit your needs. Depending on what you aim on doing, this might not be an issue for the leasing company. Communication is key here. 
<br>Also, you need to check what the policy is for returning the car with modifications. Leasing is a bit like renting a flat - modifications might have to be removed and the original status restored before you give the car back. To avoid that hassle, check out what is ok and what is not. 

### Check the legal status of any planned modifications

It is paramount to make sure that the planned modifications are legal - Switzerland is a restrictive country and you need to check what you can and cannot modify. 
<br>In addition, any changes you make need to be checked by the local traffic council, and need to be marked in your car’s registration document. This can be anything from modified wingmirrors to rims to exhaust systems. 

## Conclusion

Leasing a car is an exciting journey that offers the thrill of a car without the long-term commitment of ownership. However, to ensure a seamless experience, it's crucial to be proactive in maintaining the car's condition, staying within mileage limits, and understanding the terms of your lease agreement. 
<br>This article has provided a roadmap to navigate the leasing process, emphasizing the importance of regular maintenance, insurance coverage, and financial commitments. By adhering to these guidelines and being mindful of the car's aesthetics and any modifications, you can enjoy your leased vehicle to the fullest and ensure a hassle-free return at the end of your contract. 
<br>Remember, communication with your leasing company is key, and a well-maintained car is not only a pleasure to drive but also easier on the wallet when it's time to part ways. Safe driving!

🚗✅ Discover 6 essential points in our car leasing checklist that help you have a smooth ride 📝🔑

When Leasing, you need to keep 7 things in mind

Checklist: During the Lease

![Leasing mit Betreibung](//images.ctfassets.net/1wz7s065hz5r/2OQqzzcc9vFsiHJglaEjuS/0ff11de9c2959a1f437a8f56c795860a/7Lt8X2ZPKsN9QSrjkmQiXH.webp)

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- [Creditworthiness and Leasing in Switzerland](#creditworthinessandleasinginswitzerland)
- [Terminology](#terminology)
- [What is a Debt Collection?](#whatisadebtcollection)
  - [Initiation of Debt Collection](#initiationofdebtcollection)
  - [Post-Initiation Procedures](#postinitiationprocedures)
  - [Costs Associated with Debt Collection](#costsassociatedwithdebtcollection)
  - [Leasing with a Debt Collection](#leasingwithadebtcollection)
  - [Companies Offering Leases with Active Debt Collections](#companiesofferingleaseswithactivedebtcollections)
  - [Securing a Trustworthy Lease Despite a Debt Collection](#securingatrustworthyleasedespiteadebtcollection)
  - [Settling the Debt Collection](#settlingthedebtdollection)
  - [Removing the Debt Collection](#removingthedebtcollection)
  - [Unjustified Debt Collection](#unjustifieddebtcollection)
    - [Characteristics of an Unjustified Debt Collection](#characteristicsofanunjustifieddebtcollection)
    - [Protection Against Unjustified Debt Collections:](#protectionagainstunjustifieddebtcollections)
  - [Contesting the Debt Collection](#contestingthedebtcollection)
- [How Do I Know If I Have a Debt Collection?](#howdoiknowifihaveadebtcollection)
- [ZEK, CRIF, and Intrum: An Overview and Comparison](#zekcrifandintrumanoverviewandcomparison)
  - [ZEK (Central Office for Credit Information)](#zekcentralofficeforcreditinformation)
  - [CRIF](#crif)
  - [Intrum](#intrum)
- [Comparison of the Three Organizations](#comparisonofthethreeorganizations)
- [Conclusion on Debt Collections and Leasing](#conclusionondebtcollectionsandleasing)

<p>It can happen so quickly: Maybe you're short on cash one month or facing challenging life circumstances, and a bill slips through the cracks. Next thing you know, you receive a debt collection notice in the mail.</p>

<p>However, having a debt collection on your record doesn't necessarily spell doom for your leasing aspirations.</p>

## Creditworthiness and Leasing in Switzerland

<p>In Switzerland, when you apply for a lease, banks will first assess your creditworthiness. This is primarily for consumer protection, as it's illegal to grant credit that could lead to a consumer's over-indebtedness. Essentially, a credit check ensures that you have the financial capacity for a lease. But there's one thing that can quickly derail your application: an ongoing debt collection. Can you secure a lease with an active debt collection? How can you remove a settled or unjustified debt collection? And what do terms like "CRIF" and "ZEK" mean? This blog post will answer all these questions and more.</p>

## Terminology

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        <tr>
            <th>Term</th>
            <th>Description</th>
        </tr>
        <tr>
            <td>Debt Collection / “Betreibung”</td>
            <td>In Switzerland, a debt collection or “Betreibung” is the legal process used to recover outstanding debts owed by a debtor to a creditor.</td>
        </tr>
        <tr>
            <td>Debt Collection Register</td>
            <td>A place for information about debt collections. A debt collection remains visible in the register for five years, even if it was contested.</td>
        </tr>
        <tr>
            <td>Creditor</td>
            <td>A "creditor" is an individual or institution with a claim against a debtor.</td>
        </tr>
        <tr>
            <td>Debtor</td>
            <td>A "debtor" is an individual or entity financially or contractually obligated to a creditor.</td>
        </tr>
        <tr>
            <td>Legal Objection</td>
            <td>A "legal objection" is a formal means to contest a debt collection in Switzerland.</td>
        </tr>
        <tr>
            <td>ZEK</td>
            <td>The ZEK (Central Office for Credit Information) records creditworthiness information from credit transactions in Switzerland for both individuals and legal entities.</td>
        </tr>
        <tr>
            <td>CRIF</td>
            <td>A credit reporting agency in Switzerland that provides credit-relevant information about individuals and businesses. Individuals can also obtain self-reports here.</td>
        </tr>
        <tr>
            <td>Intrum</td>
            <td>A European debt collection agency offering debt management and payment services for creditors. gowago.ch collaborates with Intrum for the online signature process.</td>
        </tr>
    </table>
</div>

## What is a Debt Collection?

<p>In Switzerland, the process of debt recovery is termed "debt collection." It's a legal tool allowing creditors to claim their outstanding debts from defaulting debtors. The process is structured, transparent, and offers both parties a fair opportunity to present their case. Let's delve deeper into the debt collection procedure.</p>

### Initiation of Debt Collection

<p>Switzerland has over 500 jurisdictions where a debt collection can be filed. The first step involves submitting a debt collection request to the relevant debt collection office. This request should include details about the creditor and debtor, including the amount owed or the collateral in Swiss currency. A maximum of 10 claims can be listed. It's crucial to note that no additional documents should be attached, except the basis for the claim.</p>

<p>The debt collection office reviews the request for its formality, not the validity of the claim. This means they don't verify the legitimacy of the debt but only ensure the request was properly filed. Unfortunately, this means unjustified debt collections are a reality in Switzerland - theoretically, anyone can initiate a debt collection against anyone else.</p>

### Post-Initiation Procedures

<p>Once the debt collection request is filed, the debt collection office issues a payment order. This is delivered to the debtor, who then has 20 days to settle the debt. If the debtor fails to pay, they can raise a legal objection within 10 days. Such an objection halts the debt collection process unless the creditor can legally enforce their claim.</p>

<p>It's essential to note that an unjustified legal objection can incur significant costs. Therefore, debtors should ensure they have a valid reason for the objection.</p>

### Costs Associated with Debt Collection

<p>Typically, the debtor bears the costs of the debt collection process. This includes the fee for a payment order. However, additional costs may arise for delivery attempts and other procedural steps.</p>

### Leasing with a Debt Collection

<p>You can apply, but will you be approved? With a reputable, transparent bank, it's unlikely or challenging.</p>

<p>For your protection and the bank's, they must ensure you don't overextend yourself financially. Article 3, Paragraph 1n of the UWG states:</p>

<blockquote>"It's prohibited to grant credit that leads to the over-indebtedness of the consumer."</blockquote>

<p>If a bank knowingly grants you credit (including leases) that pushes you into debt, they're acting unlawfully. Moreover, the bank risks losing their investment if you default on the lease.</p>

### Companies Offering Leases with Active Debt Collections

<p>Some companies claim to offer lease contracts for individuals with debt collections. While this might seem tempting at first glance, there are crucial considerations:</p>

<ol>
    <li><strong>Too Good to Be True:</strong> If an offer sounds too good, it probably is. Companies offering leases to those with poor credit might have hidden fees, exorbitant interest rates, and unfavorable contract terms.</li>
    <li><strong>Lack of Transparency:</strong> Some of these companies might not be transparent about their offer's conditions. It's vital to scrutinize all contract details and ensure you understand every aspect. In the past, certain companies offered leases with debt collections but only rented out the car.</li>
    <li><strong>Company Reputation:</strong> It's advisable to check the company's reputation before signing any contract. Online reviews, customer feedback, and recommendations can provide insights into the company's trustworthiness.</li>
</ol>

### Securing a Trustworthy Lease Despite a Debt Collection

<p>We recommend applying for a lease only if you have a clean financial record, meaning no active debt collections. Having 2-3 settled debt collections on your record might not be a significant issue. However, if there are more, you should address them promptly. Debt collections can hinder not only lease applications but also house hunting, other credit applications, and even job searches. But don't worry, there are ways to address debt collections.</p>

### Settling the Debt Collection

<p>The most straightforward method to address a debt collection is to settle the debt. You can pay the entire amount within the specified period in the debt collection notice. Once paid, the debt collection process ends.</p>

<p>However, be cautious: The debt collection isn't automatically removed, even if settled. Without your intervention, it remains on your record for five years, even after payment, legal objection, or if it was unjustified. Only then is the entry automatically removed.</p>

<p>If you settle the debt collection, it's noted in the debt collection register as "debt collection paid to the debt collection office." It's up to the bank to decide if they'll grant you a lease with settled debt collections. 2-3 settled debt collections in the past might be acceptable, but numerous debt collections will likely pose challenges, as trust in your financial capability might be compromised.</p>

### Removing the Debt Collection

<p>If you believe the debt collection is unjustified or if you've already settled the debt, you can request its removal.</p>

<ul>
    <li><strong>Proof of Payment:</strong> If you settled the debt before the debt collection was initiated, you can prove this with payment receipts or bank statements. It's possible that your payment and the debt collection notice crossed paths. In such cases, you must contest the debt collection at the debt collection office within 10 days. It's crucial to retain proof of your payments, so always keep your payment receipts and invoices.</li>
    <li><strong>Agreement with the Creditor:</strong> In some instances, you can directly negotiate with the creditor and request them to withdraw the debt collection. This is common when misunderstandings or errors occur. The creditor will then process the withdrawal at the debt collection office. But be wary! The creditor isn't obligated to process your removal request.</li>
    <li><strong>Legal Action:</strong> You can also contest the debt collection legally. If the court rules in your favor, they'll annul the debt collection. However, be aware that legal proceedings can incur court and attorney fees. In such cases, it's advisable to consult an attorney.</li>
</ul>

### Unjustified Debt Collection

<p>In Switzerland, anyone can initiate a debt collection against anyone else without any prerequisites. This means someone can start a debt collection against another individual without having to prove an actual debt exists. This system can lead to unjustified debt collections.</p>

#### Characteristics of an Unjustified Debt Collection:

<ol>
    <li><strong>No Actual Debt:</strong> The debtor doesn't owe the creditor any money, or the claim is disputed.</li>
    <li><strong>Lack of Contractual Basis:</strong> There's no legal or contractual basis for the claim, such as hidden costs in an ostensibly free online offer.</li>
    <li><strong>System Abuse:</strong> Sometimes, creditors exploit the debt collection system to pressure debtors, even when no genuine claim exists.</li>
</ol>

#### Protection Against Unjustified Debt Collections:

<p>Since January 1, 2019, Swiss law offers those unjustly subjected to debt collections a tool to clean their debt collection register. They can request the debt collection office not to disclose the unjustified debt collection. This procedure costs a flat fee of 40 Swiss Francs.</p>

#### Contesting an Unjustified Debt Collection:

<ol>
    <li><strong>Raise an Objection:</strong> Within 10 days of receiving the payment order, the affected individual can file an objection at the debt collection office. This temporarily halts the debt collection process.</li>
    <li><strong>Request Removal:</strong> After three months from the payment order's delivery, the affected individual can file a "Request for Non-Disclosure of a Debt Collection to Third Parties" at the debt collection office. Following this procedure, the debt collection isn't removed but won't appear in extracts from the debt collection register.</li>
</ol>

### Contesting the Debt Collection

<p>If you believe the debt collection is unjustified, you can contest it.</p>

<ul>
    <li><strong>Objection:</strong> Within 10 days of receiving the payment order, you can file a written, reasoned objection at the relevant debt collection office.</li>
    <li><strong>Legal Objection:</strong> If you wish to contest the debt collection, you can raise a legal objection. This must be done within a specific period after receiving the debt collection notice. The legal objection temporarily halts the debt collection process, and the creditor must then legally enforce their claim.</li>
    <li><strong>Legal Proceedings:</strong> If the creditor contests the legal objection, a legal proceeding is initiated. Here, you have the opportunity to present your arguments and evidence. The court then decides whether to continue or annul the debt collection.</li>
</ul>

### How Do I Know If I Have a Debt Collection?

### ZEK, CRIF, and Intrum: An Overview and Comparison

<p>In Switzerland, various organizations deal with credit information and debt collection. Three of the most renowned are ZEK, CRIF, and Intrum. In this article, we'll provide an in-depth look at each of these organizations and compare them.</p>

#### ZEK (Central Office for Credit Information)

<p><strong>Description:</strong> The ZEK, also known as the Central Office for Credit Information, is an organization that gathers information about credit obligations of individuals and businesses in Switzerland. It serves as a central hub for lenders to check the creditworthiness of applicants.</p>

<p><strong>Main Tasks:</strong></p>

<ul>
    <li>Collecting and storing credit information.</li>
    <li>Providing this information to banks and other financial institutions.</li>
    <li>Ensuring the correct and fair use of credit data.</li>
</ul>

<p>Check out <a href="http://zek.ch/">ZEK's website</a> and details here.</p>

#### CRIF

<p><strong>Description:</strong> CRIF is an international company specializing in credit reporting, business information, and credit solutions. In Switzerland, CRIF offers credit checking and rating services. You can also obtain an overview of your creditworthiness from CRIF. <a href="http://crif.ch/">Click here</a> to get a self-report.</p>

<p><strong>Main Tasks:</strong></p>

<ul>
    <li>Creating credit reports for individuals and businesses.</li>
    <li>Assisting businesses in risk assessment and decision-making.</li>
    <li>Offering data analysis and management solutions.</li>
</ul>

<p>You can also obtain an overview of your creditworthiness from CRIF. <a href="http://crif.ch/">Click here</a> to get a self-report.</p>

#### Intrum

<p><strong>Description:</strong> Intrum is a leading European company in Credit Management Services. It offers a wide range of services, from invoicing to debt collection and debt purchasing.</p>

<p><strong>Main Tasks:</strong></p>

<ul>
    <li>Assisting businesses in invoicing and debt management.</li>
    <li>Conducting debt collection services for unpaid invoices.</li>
    <li>Purchasing debt portfolios from businesses.</li>
</ul>

<p><a href="http://gowago.ch/">gowago.ch</a> collaborates closely with Intrum to simplify the leasing process. For instance, all online signatures for leasing contracts with gowago.ch are processed in conjunction with Intrum.</p>

### Comparison of the Three Organizations

<ul>
    <li><strong>Purpose:</strong> While ZEK and CRIF primarily gather and provide credit information, Intrum focuses on debt management and collection.</li>
    <li><strong>Services:</strong> ZEK mainly focuses on collecting and providing credit information. CRIF offers a broader range of services, including data analysis and risk assessment. Intrum provides comprehensive services in the realm of debt management.</li>
</ul>

### Conclusion on Debt Collections and Leasing

<p>In Switzerland, the debt collection system is an efficient means of debt recovery. But like any system, there are pitfalls and potential abuses. An unjustified debt collection can have significant negative impacts on an individual's life and creditworthiness. Therefore, it's crucial to be aware of one's rights and responsibilities. Organizations like ZEK, CRIF, and Intrum play a vital role in assessing creditworthiness, and it's essential to understand their functions and differences. If faced with a debt collection, whether justified or not, it's advisable to get informed promptly and, if necessary, seek legal advice. Knowing the various ways to combat, pay, or remove a debt collection is a valuable tool to ensure financial clarity and security in Switzerland.</p>

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Leasing Despite Debt Collection: Learn how to enhance your leasing prospects and deal with debt collections.

What you need to know to secure a lease if you've faced debt collection

Leasing Despite Debt Collection / Betreibung?

Which SUVs are available on the Swiss market and which one suits you? Discover the top 10 SUVs - from VW to Tesla.

Which SUV suits you best? 

Top 10 SUV Leasing in Switzerland 2023

![Leasing Checklist](//images.ctfassets.net/1wz7s065hz5r/54kiYRii6W58PSe0J1JlkE/72ccdb52ae945fc023ba89049e268228/leoc._ultra_realistic_photography_of_a_happy_couple_at_home_ho_de8dad40-f8a6-4f5d-a44b-7474b2016733.jpg)

So, you've decided to lease a car? That's a great choice! But before you lease your dream car, there are some important things to consider and organise to make sure the process goes well. <br>
In this article, we present you with a practical checklist that you can tick off before you relax and decide on a leased car. Whether you're a first-time lessee or experienced, these tips and tricks will help you make the best decisions and find the car that's perfect for you and your lifestyle.
<br>

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[**<big>1. Check creditworthiness</big>**](#1checkcreditworthiness)
- [ ] No debt collection
- [ ] No outstanding debts
- [ ] No negative credit card entries
- [ ] gowago.ch eligibility test completed
- [ ] CRIF check (optional)
<br>

[**<big>2. Set budget</big>**](#2setbudget)
- [ ] Monthly fixed costs calculated
- [ ] Additional expenses calculated
- [ ] Aware of costs for car insurance, service, maintenance etc.
<br>

[**<big>3. Wage certificates and regular income</big>**](#3wagecertificatesandregularincome)
- [ ] Permanent employment (normal case)
- [ ] Wage slips ready, should bank request them.
<br>

[**<big>4. Select vehicle type</big>**](#4selectvehicletype)
- [ ] Own vehicle needs known
- [ ] Overview of vehicles obtained (gowago.ch will be happy to help you with this)
<br>

[**<big>5. Determine running time and mileage</big>**](#5determinerunningtimeandmileage)
- [ ] Estimate annual kilometres
- [ ] Determine time commitment
<br>

[**<big>6. Compare insurance options</big>**](#6compareinsuranceoptions)
- [ ] Get an overview of fully comprehensive insurance options.
- [ ] Check all-in-one from gowago.ch
<br>

[**<big>7. Compare leasing offers</big>**](#7compareleasingoffers)
- [ ] Compare Swiss leasing rates with the gowago.ch rate comparison tool
- [ ] Monthly rates of different cars and offers compared
- [ ] Residual values of the offers viewed and compared
- [ ] For 0% offers: Checked where this is reflected in the price
- [ ] gowago.ch offers compared with the favourites function
<br>

[**<big>8. Check contract terms carefully</big>**](#8checkcontracttermscarefully)
- [ ] Example contract for specific cars viewed through "Lease this car" on gowago.ch
- [ ] Read all contracts carefully
<br>

[**<big>9. Understand return conditions</big>**](#9understandreturnconditions)
- [ ] Liability in case of damage
- [ ] Consequences of extra kilometres
<br>

[**<big>10. Returning or extending the lease</big>**](#10returningorextendingthelease)
- [ ] Check renewal options
- [ ] Check return options
<br>

### Prologue:
To apply for a lease, you need to either hold Swiss citizenship or have a B or C residence permit. You must also have resided in Switzerland for at least 3 months before applying. Additionally, you have to be 18 years of age or no older than 70 at the end of the contract.
<br>

## 1. Check Creditworthiness
Before applying for a lease, you should have a rough idea of your credit score. A good credit score will help increase your chances of getting a lease.<br>
Make sure there are no outstanding debts, debt collections or negative entries in your credit file. If you have a solid credit score, chances are you will be seen as a trustworthy customer by leasing companies.<br>
Please note that you should calculate your individual budget, even if you will be sharing and practically financing your car with your partner. The bank will deduce your budget based on your singular income, not on a combined household income.<br>
[To help you gauge your creditworthiness, you can complete our eligibility test here. ](https://gowago.ch/en/article/eligibility-test)The score should not be considered definitive, but rather a guide.

[You can also have your credit checked by CRIF. You can find this service here.](https://www.crif.ch/en/consumers-area/self-assessment/)

## 2. Set budget
Think in advance about how much you want to spend each month on leasing a car. Your monthly income, your monthly fixed costs, and other expenses should influence your budget. Also remember that you will need to provide us with this information during the leasing application process and it will affect your eligibility for leasing.<br>
Set a realistic budget that includes running costs such as insurance, taxes and maintenance. This way you avoid unpleasant surprises and find a car that fits perfectly into your financial framework.<br>
So that you have full control over your mobility budget right from the start, you can opt for a gowago.ch all-in-one package. Our packages include insurance, service, tyres and other costs.<br>
[Find out more about our All-in-one packages.](https://gowago.ch/en/all-in-one)

## 3. Wage certificates and regular income
In most cases, you need a regular income in order to take out a lease. This means that you need a permanent job, which will continue indefinitely. If you are still in the probationary period of your job or your employment contract is about to expire, the bank will decide whether to grant your request on a case-by-case basis.<br>
You do not have to submit your payslips when you check out. However, the bank may ask to see your three most recent payslips if you are employed on a monthly salary basis. If you are paid by the hour, the bank may ask to see the last 6 months' payslips. Having your payslips ready can help speed up the leasing process.<br>

## 4. Select vehicle type
Which type of vehicle best suits your lifestyle and needs? Choose between [a zippy city car](https://gowago.ch/en/explore/carSegment/smallCar), [a spacious SUV](https://gowago.ch/en/explore/carSegment/suv) or [an environmentally friendly electric car](https://gowago.ch/en/explore/fuelType/electric).<br>
Be really sure about what kind of car you really need and what makes sense - if you are expecting a child, you might want to get [a more family friendly car](https://gowago.ch/en/explore/carSegment/wagon) instead of that [2-seater convertible](https://gowago.ch/en/explore/carSegment/convertible). If you live in the centre of a city, perhaps a [Jeep Wrangler](https://gowago.ch/en/explore/jeep/wrangler) is not as practical as a [Fiat 500](https://gowago.ch/en/explore/fiat/500). Remember: Once you have signed your contract, you cannot simply give the car back with a simple snap of the finger.<br>
Also take insurance cost, fuel efficiency, and equipment into consideration. Maybe you don’t care about a rearview camera, but want a banging stereo. Check what you need and if the car you are considering has the equipment you wish for.

Also consider the purpose and frequency of use of the vehicle. If you are not sure, our advisors will be happy to help you choose a vehicle. 

## 5. Determine Running Time and Mileage
Consider how long you want to lease the car and how many kilometres you anticipate driving each year. The term and mileage directly impact the monthly leasing rate. Choose an option that fits your requirements. <br>
If you sign a contract for a specific period, ensure that you can genuinely commit to this duration. Early termination of a leasing contract implies that you must compensate for the car's depreciation. Therefore, if you already know that you will be moving out of Switzerland in a year, for instance, you should not enter into a leasing contract, as leasing contracts typically have a minimum duration of 2 years. <br>
The normal length of contracts lie between 24 months and 60 months. <br>
It is sensible to select a slightly higher category for the annual mileage. So, if you know that you drive approximately 10,000 km per year, but it could occasionally be more, opt for the 15,000 km package. This is because excessive mileage overruns will have to be paid for additionally at the end of the contract. You can choose kilometre packages of up to 30'000km. <br>

## 6. Compare Insurance Options
With a leasing contract, you must always have comprehensive insurance. Compare different insurance options. [If you select an all-in-one package at gowago.ch, the insurance from Baloise is always included - you know exactly how much you have to pay for it each month.](https://gowago.ch/en/content/insurance)<br>
Do you want to choose your insurance? Of course, that's not a problem! When selecting your insurance, pay attention to the coverage amounts and the included services - different insurance companies include different services in their contracts. Ensure that you are fully insured and prepared for any eventuality. <br>

## 7. Compare Leasing Offers
Now it's time to find the best leasing deals. Important factors in making a decision include: leasing interest rate (nominal interest rate), monthly instalment, contract conditions, and residual value. <br>
Some offers may tempt you with 0% leasing or similar when it comes to the leasing interest rate. Carefully check what this means in such offers, as the low percentage may be offset by a higher residual value or other factors. <br>
[At gowago.ch, the leasing interest rate for all cars on our platform, whether new or used, is 4.49%. ](https://gowago.ch/en/explore)This gives you a constant overview of how much interest you pay in leasing.<br>
[To get an overview of the leasing interest rates in Switzerland, you can look at our interest rate comparison here.](https://gowago.ch/en/blog/leasingzins-vergleich)<br>
The residual value is the theoretical value that the vehicle will have at the end of the lease. The residual value is determined by various methods. As the residual value is contractually fixed, you may be able to take over the vehicle at the end of the lease for this price. <br>
On gowago.ch, you can easily compare cars on our platform by saving them under "My cars". You can then compare several of our offers to see what makes the most sense for you. <br>

## 8. Check Contract Terms Carefully
Before you sign the lease contract, read it thoroughly and ensure that you understand all the terms and elements. At gowago.ch, you can preview the contract when making a non-binding inquiry about a car, giving you a complete overview of all conditions. <br>Simply click on "Lease this car" next to your desired car to receive this draft contract. You can always contact our advisors to learn more about the contract creation and signing process. <br>

## 9. Understand Return Conditions
Learn about the return conditions at the end of the lease period. Understand what damage is accepted as normal wear and tear and what additional costs may arise from excessive wear and tear. <br>
To prevent issues, [you should adhere to the service intervals during your lease and have any damage repaired ](https://gowago.ch/en/all-in-one)- regardless of whether it falls under the insurance benefits or not. <br>

## 10. Returning or Extending the Lease
Find out what your options are at the end of the lease period. Do you want to return the car, extend the contract or maybe even buy the car? What happens if you give the car back damaged or with too many kilometres? What are the terms should you want to terminate your contract early? Plan early to ensure a smooth transaction.<br>

## Conclusion
Leasing a car can be a fantastic way to enjoy a high-quality vehicle without the high initial costs and depreciation of buying a car outright. By ticking off the points above and making the right decisions, you can ensure that the leasing experience is smooth and enjoyable. Always remember to inform yourself well about the contract terms and choose the right car for your needs and budget. This way, you can fully enjoy the joy of driving and experience mobility in a new way. Have fun with your new leased car!<br>

You want to lease a car? Keep these 10 things in mind, so that you have the smoothest experience and have no disappointments. 

Are you ready to lease a car? Here are 10 things to keep in mind

Checklist: What you should clarify before your lease

With all the different ways to get a car in Switzerland, it can be quite difficult to keep track of everything. gowago.ch helps you to get a better understanding of the market.  

![Tesla Happy Kid](//images.ctfassets.net/1wz7s065hz5r/6D3mndSsdxWvSm4OFXUSFw/ec1e417b73cddb1a800703c387788ec7/Happy_Kid_1__1_.jpg)

Sometimes you cannot see the woods for the trees. If you want to acquire a car in Switzerland, you first have to make a decision about the types of financing. There are multiple different alternatives if you do not want to buy your next new or used car. In this article, we will help you gain a better grasp of these options in the leasing market. 

[How does Leasing work? Here you can find an exhaustive guide on how leasing works. ](https://gowago.ch/en/blog/wie-funktioniert-leasing)

## Contents 

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- [What is Private Leasing?](#whatisprivateleasing)
- [What is Business Leasing?](#whatisbusinessleasing)
- [What does All-Inclusive Leasing mean?](#whatdoesallinclusiveleasingmean)
- [What are Car Subscriptions?](#whatarecarsubscriptions)
- [What can I find on Online Marketplaces?](#whatcanifindononlinemarketplaces)

## What is Private Leasing?

Most you need to know about private leasing is already in its name: It is a leasing contract between a leasing company or bank and a private individual.

As is common for leasing, customers receive the usage rights but not the ownership of the vehicle, and agree to make monthly payments over a contractually determined time period (of at least 2 years). The monthly leasing rate is influenced by the contract duration, annual mileage as well as initial down payment, and includes the nominal interest rate, vehicle depreciation, and vehicle price. 

At the end of the leasing contract, the customer can extend an offer to the leasing company to buy the car at the contractually agreed residual value - this offer is usually accepted. 

#### Who is Private Leasing for?

Private leasing is worth it if you want to finance your car on a monthly basis without major upfront costs. It is also of advantage that you are not bound to a car long-term, and thus retain the flexibility to repeatedly change to a newer model. 

### Which Swiss Private Leasing Providers are there?

#### Leasing Banks (non-captive)

- Cembra
- Bank now
- [gowago.ch leasing by Migros Bank](https://gowago.ch/en)
- BCGE
- Sixt-leasing
- Leaseforce
- Leaseteq

#### Leasing Banks (captive)

- AMAG Leasing
- Multilease (Emil Frey) 
- BMW financial services
- FCA capital
- RCI financial services
- Mercedes Benz financial services
- Ford credit
- Opel finance
- Santander Consumer Finance Schweiz

<fieldset>
	<b>Quickinfo: Captive vs. non-captive Leasing Banks</b>
	<p>The difference between a captive leasing bank and a non-captive leasing bank is the brands they are allowed to provide. With a captive leasing bank, the bank is bound to certain car brands. For example, with Amag you can only lease cars from VW, Audi, Seat and Skoda. With a non-captive leasing bank, there is no brand commitment - cars from all brands can be offered. </p>
	</ol>
</fieldset>

## What is Business Leasing?

Business leasing, also called company, operational, or corporate leasing,  is the commercial equivalent of private leasing. In contrast to private leasing, this type leasing contract is signed between a leasing company or bank and a legal entity, i.e. a company. These are often SMEs (small and medium-sized enterprises) that rely on a vehicle to carry out their business. 

Through business leasing, valuable capital does not become tied up in a car and can be invested elsewhere by the SME. The leasing rates can be deducted from the company's taxes. 

A further convenient feature is that a commercially leased vehicle can also be used for private mobility. However, private use must be reflected in the tax statement. 

#### Who is Business Leasing for?

Business leasing is a useful for SMEs and self-employed professionals who are dependent on mobility to carry out their business and value the same flexibility for their company found in private leasing.  

### Which Specialised Business Leasing Providers are there in Switzerland?

- [gowago.ch ](https://gowago.ch/de)
- ALD Automotive
- ARVAL
- Auto-Interleasing
- Leaseplan
- MF Fleetmanagement

(Most of the captive providers also offer business lease.)

## What does All-Inclusive Leasing mean?

This type of leasing is [an extension of private leasing](https://gowago.ch/en/faq/about-all-in-one) or business leasing. With all-inclusive leasing, the monthly invoice includes the leasing rate as well as all the additional costs that arise when running a car [(such as insurance, maintenance and taxes), also called TCO (total cost of ownership)](https://gowago.ch/en/all-in-one). 

Depending on the coverage, as a vehicle user, you only have to pay for the fuel in the case of combustion vehicles or the electricity in the case of electric vehicles. In addition, you do not have to organise insurance, tyre changes, etc. yourself. 

#### Who is All-Inclusive Leasing for?

All-inclusive or full service leasing is particularly useful for people who want to save time and money, and use their leased car without becoming engulfed in paperwork. 

### Which All-inclusive Leasing Providers exist in Switzerland?

#### Private Leasing All-Inclusive:

- [gowago.ch ](https://gowago.ch/en/all-in-one)
- [Amag](https://gowago.ch/en/blog/amag-leasing-bewertung#whatsleasingplus "What is AMAG LeasingPLUS?")

#### Business Leasing All-Inclusive:

- ALD Automotive
- ARVAL
- Auto-Interleasing
- Leaseplan
- MF Fleetmanagement

<fieldset>
	<b>Quickinfo: All-inclusive vs. car subscription</b>
	<p>All-inclusive providers such as gowago.ch and Amag allow customers to choose different service packages that best suit their needs. So you don't have to settle for a full package (with insurance, service, tyres, taxes) if, for example, you want to take care of the tyres and taxes yourself. The situation is different with car subscriptions. Since you only rent the car, an all-inclusive package is mandatory. This is reflected in the higher monthly price. </p>
	</ol>
</fieldset>

## What are Car Subscriptions?

[Car subscriptions are a relatively new type of financing](https://gowago.ch/en/blog/unterschiede-leasing-abo) where you rent the car instead of leasing or buying it - similar to renting a car on holiday. In contrast to leasing, the legal framework and consumer protection involved in car subscriptions are less developed than that of leasing because the system is still in its infancy. 

The duration of a subscription is often shorter than that of a leasing contract and can range from one month to several years. The kilometres that may be driven are fixed on a monthly rather than annual basis. Similar to all-inclusive leasing, vehicle use, insurance, maintenance and all other costs are combined into one monthly price. 

However, no down payments that reduce the monthly instalments are possible, and there is no option to buy the car at the end of the rental contract. Car subscriptions are also more restrictive in terms of vehicle choice: subscriptions can only be signed for certain cars selected by the provider. 

#### Who are Car Subscriptions for?

A car subscription is worth it for those who want total flexibility or need a car for less than two years. 

### Which Car Subscription Providers are there in Switzerland? 

- Sixt Auto Abo
- Hertz Minilease
- Carvolution
- Clyde
- Carify
- Flatdrive
- Upto

## What can I find on Online Marketplaces?

This option only partially overlaps with leasing a car, as marketplaces also offer cars that are no longer leasable due to their age or mileage. However, if you [find a car on a marketplace that suits your needs and meets the requirements for leasing](https://gowago.ch/en/explore/vehicleType/used), you can request an offer from certain leasing agencies or banks. 

#### Who are Marketplaces for?

Visiting a marketplace is useful for those who are not only thinking about leasing, but are also considering acquiring their next car by paying cash or taking up a personal loan. A marketplace is also ideal for finding older, cheaper but therefore less reliable second-hand cars. 

### Which Marketplaces for Cars exist in Switzerland: 

- Auto Scout 24
- Ricardo
- Car For You
- Leasingmarkt
- Autolina

<fieldset>
	<b>Quickinfo: Leasing a used car</b>
	<p>The age and mileage at which a vehicle can still be leased is often underestimated. It is quite possible to lease a vehicle that has already clocked up between 100'000 to 120,000 km or is already around 5-8 years old. For more detailed information, you can contact the respective leasing bank.</p>
	</ol>
</fieldset>

### Summary

As you can see, there is an option for everyone. These are also the options your car dealership would likely recommend. 

If you are an [individual who wants to use a car by making monthly payments](https://gowago.ch/en) and potentially avoid a long-term commitment, private leasing is the best option. 

For SMEs or the self-employed who depend on mobility, business leasing is an attractive solution. 

If you don't want to worry about anything other than driving, with a fixed monthly payment that includes all you need, then [all-inclusive leasing](https://gowago.ch/de/faq/about-all-in-one) is the right alternative for you. 

Finally, if you want maximum flexibility, you can opt for a subscription. 

Apart from monthly financing options for your car, there is of course the traditional cash purchase or [personal loan](https://www.migrosbank.ch/privatpersonen/themen/autofinanzierung.html). These financing options are particularly suitable for people who drive more than 30,000 kilometres a year, want to own their car from the get-go or wish to buy an older second-hand vehicle. 

[By clicking here, you can read in detail about the differences between leasing and buying a vehicle.
](https://gowago.ch/en/blog/financing-leasing-buying)

An overview of leasing in Switzerland. How can you finance your car? Private leasing, Business leasing, All-inclusive leasing, Car subscriptions, Marketplaces

Find out about the ways to get a car in Switzerland

What Are the Types of Leasing a Car in Switzerland?

![leasing-vs-abo](//images.ctfassets.net/1wz7s065hz5r/1FowvnlNH3857g6vJLgiTF/23a3b5e5f3f196a5e3a80d3a2acd6e5b/leasing_vs_abo.jpg)

Leasing has long been considered a proven method of financing a car. While in the beginning it was more popular for company cars, nowadays more and more private individuals lease a car. However, for the past few years, car abo has emerged as an interesting alternative to leasing, offering some advantages especially in terms of durations. In this post, we'll explain 7 important differences between traditional car leasing and abo to help you understand which ownership model is the right one for you.

####End purchase

In contrast to an abo, leasing usually gives the option to buy the car at the end of the contract. Normally, the car is returned to the leasing company at the end of the leasing period. It does not become the property of the lessee. Some leasing contracts offer the right to buy the car at the end of the term for a certain price. This price, also called the residual value, is agreed upon before the lease is signed and does not change during the lease term. Since an abo is contractually a rent, this option cannot be offered. 

####Packages

With an abo, everything you need for your car is usually included in the price. With a lease, on the other hand, you can decide for yourself what services you want to get from the leasing company. Packages like [All-in-one from gowago.ch](https://gowago.ch/en/all-in-one) or Leasing PLUS from Amag let you choose between a simple lease, lease with insurance and services, or everything you need to get on the road with other services, such as car service, tire storage or even the vehicle tax! 

At gowago.ch there are three different packages you can choose between. While All-in-one Light offers insurance and car service at more than 300 locations in Switzerland and All-in-one Essentials additionally offers tires including change, All-in-one Premium includes insurance, service, tires including change and storage, vehicle tax and even the highway toll sticker. Thanks to monthly fixed rates, you can plan your budget and avoid unpleasant surprises. 

__Important to know: when leasing a car, you must legally contract a full comprehensive insurance.__ If you decide not to take it via the leasing company, you need to choose a third-party insurance to be allowed to get on the road! 

####Options

Abo providers like Clyde or Carvolution will rely on the volume effect when proposing vehicles, just like a rental company. This means that cars will be ordered with reduced options in terms of engine, version and equipment. However, on the leasing market, almost every car new and young-used can be leased. However, you want your car to be configured, it can be leased. Many abo providers have limited inventory options, with between 30 and 50 cars to choose from. One outsider on the market is the abo-provider Carify, that just like gowago.ch partners with dealerships all over Switzerland and is able to provider many makes and models to their clients.
So, if you can’t find the car you want with an abo provider, try looking at the leasing alternative, because it’ll have it!

####Down payment

With a lease, you can make a down payment, which varies depending on the car and personal preferences. The amount of the down payment is then deducted from your monthly lease payments, making them cheaper. In this [article](https://gowago.ch/en/blog/wie-funktioniert-leasing) we explain in detail how the down payment and as well as other parameters related to leasing work. 

The amount of the down payment can vary depending on the model and brand, but is usually from 0 to 30% of the car price. The amount will determine the monthly rate of your leasing.This one-time down payment lowers the lease rate afterward, making it easier for some people to budget safely and easily, and is a great way to use the trade-in of your current car to change for a newer car, better equipped or more ecologic! 

For subscription, down payment is unfortunately not possible because it is legally not allowed to lower a rental rate with a down payment. 

__Attention point__ - Many abo providers have a “__subscription fee__” that is an administrative fee to register clients. This is not considered as a first-installment and influences in no case your monthly rate.

####Flexibility 

Leasing and subscriptions also differ in terms of duration. While leasing is usually only offered for a term of 24 to 60 months, some subscription providers are offering terms starting from only one month. This is of course very interesting for people who want a high degree of flexibility by changing their car often.

However, it should be noted that a shorter term always leads to higher monthly installments. Therefore, this option is recommended if you have not yet decided on a specific car. It can be helpful to try out several cars in a short period of time and then definitely decide on one of them. 

Another important flexibility that Abo offers is the ability to change your km package in your terms. Whilst it will influence your monthly installment (increased rate if you increase km pack, and vice-versa), it is especially a great feature for people that have flexible lifestyles and for whom the opportunity to change the usage of their car can be beneficial. Leasing providers cannot provide such a feature for the reason of difference #1- the return. As the car is bound to a residual value, changing the km would influence this contractual value and therefore is not allowed. 

Attention: not every abo provider offers this, so be sure to ask your subscription providers if it does!

####Get out of a Leasing or car subscription early

An unexpected life event can make you want to change your mind about your car. As both car leasing and subscription are working with duration terms, it could be that you want to give back your car prior the term duration. This is even one of the most frequently asked questions by future car owners, and deserves particular attention.  

Let’s be very clear. There are no penalties if you want to get out of a lease early. However, the term of the lease will be adjusted in the event of early termination, resulting in higher costs that you will have to pay in arrears. If you have leased a car for 48 months, but want to terminate the lease after 24 months, you will have to pay the difference in monthly costs (which will be higher for a shorter term). 
This is regulated by Swiss law, and is 100% transparent as the leasing contract contains a table showing what the lessee has to pay in addition to the already paid leasing installments in case of early termination of the leasing contract, and what the residual value of the leased object is at that exact time.

Unlike leasing, no law protects the customer with transparency in terms of early termination fees for an abo. It is at the discretion of the abo provider to specify the penalties in the rental contract. Therefore, be very careful to read the small lines before signing. 

In principle, leasing in Switzerland is still more heavily regulated by law than abo. As a result, lessees are also better protected. The precise regulations prohibit leasing providers from hiding termination fees and demand full transparency. As a lessee, you therefore know exactly where you stand. 

####Interest rate 

When it comes to financing products, everything (almost) comes at a price, the one of the interest rate. This interest rate usually serves to cover the risk of non-payers. Leasing is no exception, and once again the Swiss law requires leasing to always show transparently the interest rate in an offer. Usually, interest rates can range from 0% (very rare, only in case of promotions but attention, it’s often an [advertising trick](https://gowago.ch/en/blog/leasing-ad-tricks)!) to 5.9% or even more. The interest rates for leasing are also usually lower for new cars than for used cars.

On the other hand, the interest rate is not explicitly shown in a subscription offer. The abo provider does not list an interest rate because the customer pays it within the monthly rental rate. Therefore, the customer has no transparency about how much he contributes to the financing of the car, because this is mixed with all other expenses.

####Conclusion

Before you make the choice between a lease and an abo, you should be aware of the points you value. Whilst leasing and abo offer similarities by providing you a mobility for a monthly price, it is important to note the differences to find out which solution is more adapted to your very own situation. [gowago.ch](https://gowago.ch/en) and its leasing by Migros Bank offers the most personalized solution on the market, with a wide range of cars and the possibility to choose services to get on the road. If you have any further questions about the differences between leasing and abo, or simply to discover if gowago.ch is made for you, don’t hesitate to get in touch with one of our advisors at <a href="tel:+41 44 461 13 44">+41 44 461 13 44</a> or email [info@gowago.ch](mailto:info@gowago.ch "Get more info") and we will answer all your questions directly.


In this article you will learn the main differences between leasing and subscription.

Are leasing and abo the same? The short answer is no. With this article, learn the major differences between the two models to get your car for a monthly price.

7 differences between Leasing and Abo 

![6 stereotypes](//images.ctfassets.net/1wz7s065hz5r/6F3Ak4VPbWvzgyBUbeRUQ9/2544b0feeccd858e3900883cdf0e8933/6_stereotypes.jpg)

#### 1. You can only lease new cars.
Leasing of used cars is becoming more and more popular. Leasing is possible for new cars, demonstration cars and most used cars. Restrictions are usually tied to the age of the car (maximum 7 years at the end of the lease) and mileage (maximum 200,000 km at the end of the lease).  

Leasing a used car offers a lower purchase price and thus leads to a lower leasing rate. The catalog of gowago.ch offers you a wide range of used cars for leasing with attractive monthly rates for a period of 24 to 60 months. By purchasing a used car instead of a new one, you can save between 3,000 and 5,000 CHF depending on the model and mileage.

#### 2. You can't apply for a lease online.
This was the case until a few years ago, but that has now changed. In the meantime, you can look at all the cars on the websites of the leasing providers and also choose right away which one you would like to have. 

gowago.ch even goes one step further. Once you've found the perfect car, you configure your package, choosing the terms that fit your needs. 24 to 60 months, a mileage per year that suits you and an upfront payment that fits your budget. You will then be able to proceed with your online application. You will be asked to provide the information and documents necessary to request a leasing. The bank will review your application and after the acceptance you will be able to sign your contract electronically. One the contracts are signed, we will start preparing the delivery of your car.

gowago.ch is the only FINMA approved leasing provider at Migros Bank that can offer a 100% end-to-end leasing application.

#### 3. There are hidden costs with leasing.
You hear it again and again: stories of dubious leasing providers who lure people with enticingly low prices and then confront them with additional costs after the contract is signed. That's why it's important to only get involved with reputable leasing providers. A background check and a close look at the provider's website are a must. 

There are a few things that need to be paid for when leasing. These include the optional down payment, the cost of delivery and registration, lease payments depending on the model, term and mileage, car tax, car insurance and inspections and maintenance. 

[All-in-one by gowago.ch](https://gowago.ch/en/all-in-one) ensures that all these costs are bundled into one package. Depending on the package chosen, comprehensive insurance, taxes, maintenance, tires and an extended warranty are included. If you choose All-in-one Premium, everything is taken care of by gowago.ch and bundled into one monthly invoice for you. So you never have to worry about hidden costs again. The prices of gowago.ch are transparent, are set in advance and do not change during the ordering process. 

#### 4. Leasing is just like renting.
Leasing has now established itself as a reliable financing instrument and is a good alternative to buying a car. It is a more flexible form of renting. When renting a car, it is not common for the renter to be able to determine the make, features or color of the vehicle - but with leasing, it is. As with renting, you can drive the car without owning it. Moreover, if you intend to buy the car afterwards, you invest in the vehicle at the same time. Already at the beginning of a leasing contract, the term, the leasing rates and the agreed additional services are fixed, so that the lessee can fully plan. With a rental , on the other hand, rent increases are possible and common during the term. 

#### 5. Young adult can’t get a leasing

To apply for a lease, you must be at least 18 years old in Switzerland. However, since a lease requires a sufficient credit rating, it is more difficult for some young adults to apply for a lease. One must be able to pay the due monthly installments over the entire leasing period without any problems. Otherwise, you can end up in the debt trap in the worst case scenario. These rules are strict to protect the lessee. 

However, young adults who have enough capital and show that they have sufficient income to afford a lease are allowed to apply for one without further ado. 

#### 6. I will have heavy fees when I give back the car for the wear and tear

Many people fear that they will have to pay high additional costs for wear and tear on the car at the end of the leasing contract. But the leasing contract specifies exactly what damage and wear and tear you can be asked to pay for at the end of the leasing term and which will be covered by the leasing company. 
In general, people who lease a car are expected to treat the car carefully and leave it in its original condition. You do not have to pay for normal wear and tear. However, damage to the car, excessive wear and tear or neglected maintenance must be paid for by the lessee(s). 

Also modifications on the car are not desired. However, it is possible to contact the Leasing company in order to obtain permission for any changes to be made on the car. However, it is expected that the car is restored to its original condition before the end of the lease. 

gowago.ch works with TCS experts who carefully inspect the leased cars and independently decide how to classify any damage. This means that customers can always rely on a fair assessment.


We present 6 leasing stereotypes that are not true, but persist. 

Opinions about leasing vary widely. Some people are completely convinced, others completely against it. To make your decision easier, we present 6 leasing stereotypes that are not true, but persist. 

6 leasing stereotypes that are wrong

If you are considering to lease a car in Switzerland, here is everything you need to know. Get information on the popular way to get a car for a monthly price and if it’s right financing model for you.

If you are considering to lease a car in Switzerland, here is everything you need to know.

How does Leasing work

Are you looking for a practical __new or used__ car for your daily trips into the city and your getaways ? Then you can get a modern city car for less than CHF 500 per month all inclusive, offered as part of the __All-in-one package__. 

## __What is the All-in-one package?__
All-in-one by gowago.ch is the easiest way to get a car in Switzerland. All our prices include insurance, taxes, maintenance, tires and an extended warranty in one monthly payment, for you to save both time and money.

__In this selection you will find 10 models that fit your needs__

- <a href="#fiat"> Fiat 500 </a>
- <a href="#polo"> VW Polo </a>
- <a href="#spacestar"> Mitsubishi Space Star </a>
- <a href="#hyundai"> Hyundai i10 </a>
- <a href="#peugeot"> Peugeot </a>
- <a href="#dacia"> Dacia Sandero </a>
- <a href="#i20"> Hyundai i20 </a>
- <a href="#swift"> Suzuki Swift </a>
- <a href="#fabia"> Skoda Fabia </a>
- <a href="#c3"> Citroën C3 </a>

### <a id="fiat"> Fiat 500 </a>
![Fiat 500](//images.ctfassets.net/1wz7s065hz5r/6AOvrOopgNHaXJKrZR1m4i/83cc8d1520d3cc40c4b7b34f792ddddd/Fiat_3.jpg)
With its soft curves and glamorous design, the Fiat 500 is one of the iconic city cars of the 21st century. The interior of this little jewel reflects as much delicacy as the exterior, with a touch of modernity. The interior has pure lines and a very simple appearance, enhanced by the presence of the Uconnect 7-inch HD screen. The Fiat 500 is equipped with the Apple CarPlay system, which makes the driver's journey considerably easier and guarantees the safety of all the vehicle's occupants. The device allows the driver to access the basic functions of his smartphone, such as making and receiving calls and messages, listening to music and information, as well as a number of other practical applications such as navigation, all while keeping his eyes in the field of vision and his hands on the steering wheel.
All these benefits are available on a new Fiat 500 or a used Fiat 500 leased for less than CHF 500 per month.

[Discover our latest Fiat 500 models](https://gowago.ch/en/deals/leasing?sorting=popularity&make[0]=fiat&model=500&postcode=1255)

### <a id="polo"> VW Polo </a>
![vw polo](//images.ctfassets.net/1wz7s065hz5r/6LnqoW3DJ1JnRxTYlamRuF/31bbf559159eb86810c0c664c47a8f26/Polo-min.jpg)
You always had a thing for VW Polo? Now you have the opportunity to acquire the latest generation of the new VW Polo or a second-hand VW Polo for less than CHF 500 per month and enjoy its many advantages at your leisure.
You have surely been seduced by the sporty and charismatic look of the VW Polo from the very first glance. Wait until you see the comfortable and spacious interior. The panoramic sunroof makes it easy for the occupants to drive for miles in all seasons. On the driver's side, the configuration is more neat and accommodating, to name but a few, with the integration of various driver assistance systems and safety features. For example, the latest VW Polo is equipped with Front Assist, which identifies the slightest obstacle and activates emergency braking in the event of late reaction by the driver, ACC cruise control, which is indispensable in heavy traffic, fatigue sensor, Park Assist parking assistance and Blind Spot Detection.

[Discover our latest VW Polo models](https://gowago.ch/en/deals/leasing?sorting=popularity&make[0]=vw&model=polo&postcode=1255)

### <a id="spacestar"> Mitsubishi Space Star </a>
![Mitsubishi space star](//images.ctfassets.net/1wz7s065hz5r/2Ot0VEOdd0tN94iLIKKpP1/a2c55665532bc987ee17f70da6a85d9a/image-min.png)
Get a new or used Mitsubishi Space Star for less than CHF 500 per month by leasing on the platform. With its smooth and athletic look, the Mitsubishi Space Star is the perfect embodiment of the versatile city dweller of modern times. Not to mention an interior that is as comfortable as it is refined, and features the latest technology in connectivity and driving assistance to best accommodate the driver and provide optimum safety for passengers. The Mitsubishi is equipped with the Start-off Assist system and Apple CarPlay and Android Auto connectivity devices, which offer unexpected possibilities that contribute to enhancing the driving experience.

[Discover our latest Mitsubishi Space Star models.](https://gowago.ch/en/deals/leasing?sorting=popularity&make[0]=mitsubishi&model=space-star&postcode=1255)

### <a id="Hyundai"> Hyundai i10 </a>
![Hyundai i10](//images.ctfassets.net/1wz7s065hz5r/7hlto4m9aI0vLdJFXoSb7D/17e7bc6ed9b60429446af3e903bd9096/wallpaperflare.com_wallpaper__1_.jpg)
Take advantage of the space available in this small five-door city car to take your family or friends on a tour of the city or a trip to the country. Its sleek and muscular appearance, hides an interior that combines convenience and modernity. When it comes to driving, the Hyundai i10 stands out for its agility, which makes it the ultimate city car, and for its state-of-the-art equipment. The small car is equipped with the Hyundai Smart Sense Driver Assistance System, the smartphone connectivity system and an 8-inch touch screen multimedia display.
Don't hesitate to browse through the selection of new and used Hyundai i10s presented on the platform. You'll find what you're looking for.

[Discover our latest Hyundai i10 models](https://gowago.ch/en/deals/leasing?sorting=popularity&make[0]=hyundai&model=i10&postcode=1255)

### <a id="peugeot"> Peugeot 108 </a>
![Peugeot 108](//images.ctfassets.net/1wz7s065hz5r/5UNARl5GSBGcSRLd23u2Cu/02fb7799b539843e061b8f520cf33ba2/Peugeot_108.jpg)
Ultra compact and very dynamic, the Peugeot 108 has been specially designed to adapt to traffic in urban areas. This city car has nothing to envy to other vehicles in its class in terms of aesthetics. The Peugeot 108 has even more character, with its feline look and sleek lines. The interior is no less singular. The upholstery is as comfortable as it is elegant. The passenger compartment is enhanced by the latest technological equipment, in particular the Mirror Screen touch screen. In addition, the Peugeot 108 offers proven power and manoeuvrability. Its driver also benefits from various driving aids, including the Hands-Free Access & Start (ADML) device which enables the doors to be locked and unlocked and the car to be started without using the key and the Active City Brake emergency braking system.
Choose a new Peugeot 108 or a used Peugeot 108 on the platform to benefit from the offer at less than CHF 500 per month in leasing.

[Discover our latest Peugeot 108 models](https://gowago.ch/en/deals/leasing?sorting=popularity&make[0]=peugeot&model=108&postcode=1255)

### <a id="Dacia"> Dacia Sandero </a>
![Dacia sandero](//images.ctfassets.net/1wz7s065hz5r/6aMBvY7fwzXBvJiR6HHKCA/78b8bc8ecf8b34fc7d0d65a5d3ca8055/f04a6979146703.5cb9f30d0b3ca.jpg)
You can buy a new Dacia Sandero or a latest-generation Dacia Sandero for less than CHF 500 per month on the platform. This modern car combines the characteristics of a city car and a crossover, with an exterior design that is both elegant and athletic, a spacious (5 real seats) and very comfortable interior and equipment that best accommodates the driver both for city and highway driving. Depending on your needs and habits, you can opt for a new Dacia Sandero or a pre-owned Dacia Sandero equipped with Hill Start Assist, Park Assist or the on-board computer. On the practical side, you also have a choice of models with 12-volt sockets for charging smartphones, air conditioning that adapts to your needs and many other options.

[Discover our latest Dacia Sandero models](https://gowago.ch/en/deals/leasing?sorting=popularity&make[0]=dacia&model=sandero&postcode=1255)

### <a id="i20"> Hyundai i20 </a>
![hyundai i20](//images.ctfassets.net/1wz7s065hz5r/3xbTpjj0r5HsY7kJoMoxh8/011543f5fba1a0814aa15c62e3107f13/image__2_-min.png)
Are you hesitating between a very compact and agile city car and a spacious and practical sedan for the whole family? A new Hyundai i20 or a used Hyundai i20 available for less than 500 CHF per month on the platform represents the best compromise between these different types of cars. Ranked in the versatile city car category, the Hyundai i20 stands out with its sleek, racy look. The interior envelops the occupants in a muffled, chic and contemporary ambience providing unparalleled comfort for both passengers and driver. The driver benefits from a number of avant-garde driving assistance systems that also ensure increased safety for all occupants, including an autonomous emergency braking system, fatigue sensor, active assistance for maintaining the vehicle's trajectory and intelligent lighting.

[Discover our latest Hyundai i20 models.](https://gowago.ch/en/deals/leasing?sorting=newest&make[0]=hyundai&model=i20&postcode=1264)

### <a id="swift"> Suzuki swift </a>
![Swift](//images.ctfassets.net/1wz7s065hz5r/Mtr6y5NAkw6a6Hy11qT9C/ed73a7daa085ea8007e2663ae249886d/Suzuki-Swift-GLX-106.jpg)
Turn heads on your city and road trips, at the wheel of your new Suzuki Swift or your used Suzuki Swift obtained for less than CHF 500 per month on the platform. The Suzuki Swift is a muscle-bound, yet refined car, which is ready to take you through town and country. This Japanese city car seduces by its comfort, grace, robustness and modernity. All these qualities are reflected in the interior layout. The Suzuki Swift is no less safe and easy to handle. The driver has access to various driving assistance equipment that enhances his or her driving experience. For example, the driver can stay in constant contact with everyone around him or her thanks to the Apple CarPlay and Android Auto connectivity systems. On long journeys and in city traffic jams, the driver and passengers can enjoy the various multimedia applications on their smartphone: radio, streaming music, etc.  The 12-volt sockets are close at hand in case the battery runs down on the journey.

[Discover our latest Suzuki Swift models ](https://gowago.ch/en/deals/leasing?sorting=newest&make[0]=suzuki&model=swift&postcode=1264)

### <a id="fabia"> Skoda Fabia </a>
![Skoda Fabia](//images.ctfassets.net/1wz7s065hz5r/2yp2AtROchl1rdpCO5umEu/3fb86ef11a48a3f12d156e6d5c97939b/800px-Skoda_Fabia_Combi_FL_Genf_2018.jpg))
The Skoda Fabia has athletic curves that reflect its dynamism, modernity and safety. This versatile city car gives you everything you need to get around town and on the highways with ease. The Skoda Fabia welcomes its passengers in a comfortable and chic interior. The driver benefits from perfect ergonomics. The console is designed to make driving a real pleasure, with a range of equipment based on the latest technological innovations, including the central screen that displays various practical information as required. The Skoda Fabia also guarantees ideal safety thanks, among other things, to the XDS+ electronic differential lock system, the adaptive cruise control system and the parking assistance system, which operates on the basis of several radars. Convenience and power can coexist. The Skoda Fabia is proof of this. This contemporary city car is equipped with a powerful, economical and environmentally friendly engine.
Get your new or used Skoda Fabia today for less than CHF 500 per month.

[Discover our latest Skoda Fabia models.](https://gowago.ch/en/deals/leasing?sorting=newest&make[0]=skoda&model=fabia&postcode=1264)

### <a id="c3"> Citroën C3 </a>
![Citroen C3](//images.ctfassets.net/1wz7s065hz5r/2CCGrfIxKnIkUv4iTY8urF/9b5c2aed5468b83b37cb1b6c59820d34/citroenMin.jpg)
With its voluptuous forms and sporty design, which give it a look close to that of a compact SUV, the Citroën C3 is the versatile city car that we all dream of driving one day. Sitting inside a Citroën C3 provides an enhanced sense of well-being. This is precisely the purpose of the Citroën Advanced Comfort programme. The driver benefits from a comfort experience in a whole new dimension. From the moment the car starts up, it is a proven performer in terms of manoeuvrability. Driving is made all the easier thanks to various assistance systems such as front parking assistance, hands-free starting, emergency braking, hill start assistance and lane keeping assistance.
Make your dream come true by acquiring your new or used Citroën C3 for less than CHF 500 per month on the platform.

[Discover our latest Citroën C3 models](https://gowago.ch/en/deals/leasing?sorting=newest&make[0]=citroen&model=c3&postcode=1264)

<p style="text-align: center;"><a class="button is-primary is-medium" href="/en/deals/leasing" style="background:#00c86c; text-decoration: none !important;"> Browse car deals </a></p>

Choose your leasing offer for less than 500.- CHF per month all inclusive. Benefit now from the cheap car leasing offers from gowago.ch.

Cheap all-inclusive leasing: 10 cars under CHF 500/mth 

![MIGROL UND GOWAGO](//images.ctfassets.net/1wz7s065hz5r/68cQXBeWxMeROx7eWzRwt3/6d866d44fa9836743ecdbc89d53e23c2/migrol_x_gowago-05.png)

### How to use a Migrolcard

With the Migrolcard, you can fill up, wash and buy groceries at the shop without cash at around 400 filling stations in Switzerland and the Principality of Liechtenstein (at all Migrol stations and Shell filling stations with migrolino or mio Shop). The Migrol card acts like a credit card, and purchases are invoiced monthly.

You can use a Migrolcard in the following places:
![migrol alles](//images.ctfassets.net/1wz7s065hz5r/Jf7Uu8zJMbj5mGs3L6su9/1c36a38c2857cbe652817b2b08a5dddd/Screenshot_2022-02-23_at_14.38.38.png)

### Exclusive benefits with gowago.ch :

- Free card with CHF 0 annual fee | also in subsequent years
- 5 cents/litre* fuel discount (petrol & diesel) | shown on the monthly bill
- Double Cumulus points when refuelling | corresponds to 1 Rp./L discount
- 10%* Car Wash discount | excl. Car Wash Card

*Note: The Migrolcard discount cannot be cumulated with other promotional discounts (vouchers).**

### How to access your Migrolcard with gowago.ch:

Only gowago.ch customers can access these exclusive advantages of the Migrolcard. If you are already a gowago customer, you contact us at [our e-mail address](mailto:all-in-one@gowago.ch "Get more info") and we will explain you how to order the card.

If you have general questions about gowago.ch and the many advantages on being on the road with us, you can contact [one of our advisor](mailto:info@gowago.ch) who will take pleasure answering all your questions.

### More information about Migrolcards (german only):

- <a href="https://www.migrol.ch/de/faq/private-card/">Migrol Private Card - Frequently Asked Questions</a>
- <a href="https://www.migrol.ch/de/mobilit%C3%A4t/standorte-und-%C3%B6ffnungszeiten">Locations & Opening Hours</a> 
- <a href="https://www.migrol.ch/de/mobilit%C3%A4t/migrolcard/private-card/">Migrol Private Card: card application</a> 

Discover the many advantages of the Migrolcard at gowago.ch: discounts on fuel, car wash, and more.

Full of advantages thanks to your Migrolcard with gowago.ch

Find out in comparison which tesla model fits your needs and requirements better.

The US car manufacturer Tesla has revolutionized electric mobility.

Tesla model 3 vs. model Y: This model is right for you

## What is a hybrid car?

Hybrid cars combine combustion engines with electric batteries. A distinction is made between the traditional hybrid car and the rechargeable hybrid car (PHEV). Their difference lies in the capacity of the battery and the means for recharging. A hybrid car, also known as a "Full Hybrid", is equipped with a battery with a capacity of 1kWh. Its range is limited and its maximum speed is around 50 km/h. More recently, "mild hybrid" vehicles have appeared. They are equipped with an electric motor to assist the combustion engine during acceleration. It is a simple support and cannot replace the combustion engine. However, it reduces consumption and is cheaper to install.
Finally, the Plug-in Hybrid is equipped with a more powerful battery that can be recharged from an electrical outlet like an electric car. Its capacity varies between 8 and 12 kWh and offers a range of 20 to 60 km with a maximum speed of 120 km/h. The combustion engine takes over when the car exceeds the maximum speed allowed by the battery power or when the battery is discharged. The battery is recharged at a charging station or a 220 V socket.
Hybrid cars are appreciated for their lower fuel consumption compared to a petrol car and their lower CO² emissions. The combustion vehicle generates a loss of kinetic energy in braking or deceleration mode, while the hybrid recovers this energy to recharge the battery. In built-up areas, a hybrid car consumes little fuel and makes little noise. 

## The ten best hybrid cars in 2023

Combining an electric motor with a diesel or petrol engine, they need fewer fuel stops and produce less CO2. Better still, the latest models are impressively swift and responsive, so there is no compromise on performance. Using statistics from Auto Schweiz, here’s our run-down of the top ten hybrid cars in Switzerland, all released between January and September 2021.

### [Volvo XC60](https://gowago.ch/en/explore/volvo/xc60)

![Volvo xc60-smaller](//images.ctfassets.net/1wz7s065hz5r/6Wi9e1lFniRVNEz9ht4cQA/6780d51d0e3d939c22d442bcc97ac8fb/Volvo_xc60-smaller.png)

The Volvo XC60 is a premium SUV that boasts five seats, a nine-inch touchscreen and Bluetooth connectivity. It is an all-wheel-drive vehicle for greater control on the road and has an electric range of 79 km. You'll get 145bhp and from a wallbox it will be fully charged in 8-10 hours. A 2 L, turbo engine supports an 8-speed automatic gearbox and the CO2 emissions are 55g/km.

- Rechargeable hybrid
- Purchase price: CHF 47'450
- Lease amount: from CHF 727 per month

### [Volvo XC40](https://gowago.ch/en/explore/volvo/xc40)

![Volvo XC40-smaller](//images.ctfassets.net/1wz7s065hz5r/ZSruBhurumkK3Rfz0NXqK/574b9610d201e1f0286f77f5c8f6ba14/Volvo_XC40-smaller.png)

A compact SUV, the Volvo XC40 offers fresh, cool styling and plenty of headroom on all five seats. This plug-in hybrid offers a 262bhp engine and a 7-speed semi-automatic gearbox. On a full charge, you can expect a range of 45 km and the charge time from a wall socket is three hours. The emissions rating is 47g/km.

- Rechargeable hybrid
- Purchase price: CHF 50’300
- Lease amount: from CHF 708 per month

### [BMW X1](https://gowago.ch/en/explore/bmw/x1)

![BMW X1-smaller](//images.ctfassets.net/1wz7s065hz5r/62uUdKdlgiQ6SewbPxQSyv/c57e025f6863338a0bb1abf32fb779d8/BMW_X1-smaller.png)

Great for families, the BMW X1 is a boxy SUV that benefits from upmarket styling. The electric motor offers 94bhp, while a three-cylinder petrol engine adds an extra 123bhp. The electric range is 51 km and the battery powers up in around 3 hours using a wallbox. This four-wheel-drive car has an eight-speed gearbox and the emissions are rated 41g/km.

- Rechargeable hybrid
- Purchase price: CHF 45'400
- Lease amount: from CHF 698 per month

### [BMW X5](https://gowago.ch/en/explore/bmw/x5)

![BMW X5-smaller](//images.ctfassets.net/1wz7s065hz5r/4HHSaiHprcMQeR4aLQyGho/c61fabed30058a48e13442af81fef0aa/BMW_X5-smaller.png)

Offering interior luxury and a bold contemporary exterior, the BMW X5 is a plush car that’s fun to drive. It combines a TwinPower Turbo petrol engine with an eight-speed gearbox to provide 389bhp. In electric mode, the range is 88 km on a single charge and the battery powers up in five hours using a wall box. The emissions rating is 28g/km.

- Rechargeable hybrid
- Purchase price: CHF 95'541
- Lease amount: from CHF 1'306 per month

### [Ford Kuga](https://gowago.ch/en/explore/ford/kuga)

![Ford-Kuga-smaller](//images.ctfassets.net/1wz7s065hz5r/7mlbD7FBmWsP4lPp4ckM4r/49c726dec79dc2268db17d29eca96955/Ford-Kuga-smaller.png)

The Ford Kuga is a lightweight and economical family SUV. The 2.0-litre diesel engine delivers 148bhp, and it has an emissions rating of 128g/km. On the mild hybrid version, a 48V Li-ion battery is charged as the car brakes. The PHEV model takes 3.5 hours to charge from a wall socket and provides 51 km of electric motoring.

- Mild hybrid/Rechargeable Hybrid
- Purchase price: CHF 34'490
- Lease amount: from CHF 559 per month

### [SEAT/Cupra Leon](https://gowago.ch/en/explore/seat/leon)

![Seat cupra-smaller](//images.ctfassets.net/1wz7s065hz5r/271EaoVvidyynqY8kv1Oea/721b8d680d317c23270f4a5f887b9e67/Seat_cupra-smaller.png)

Fast and eye-catching, the SEAT/Cupra Leon offers a refined ride in petrol or electric mode. Packing a 13.1 kWh battery and a 1.4-litre TSI engine, it has 201bhp. Using regenerative braking, this car can extend its range to 64 km and the charge time is around 3 hours. In petrol mode, you can expect up to 1.2 L/100km and the emissions rating is 27g/km.

- Rechargeable hybrid
- Purchase price: CHF 30’000
- Lease amount: from CHF 430 per month

### [BMW X3](https://gowago.ch/en/explore/bmw/x3)

![BMW X3-smaller](//images.ctfassets.net/1wz7s065hz5r/5Y3VJzwz9iV0bWlJ6S30iy/d36a219f9ed2cfba687912d65f106ad1/BMW_X3-smaller.png)

Packed with smart tech, the BMW X3 provides a silky-smooth ride despite its generous size. A 2.0-litre petrol engine delivers 181bhp. In electric mode, it has a range of 51 km, and it will be fully charged within 3.5 hours using a wallbox. In terms of petrol consumption, you’ll get around 7.64 L/100km while the emission rating stands at 44-53g/km.

- Rechargeable hybrid
- Purchase price: CHF 63’400
- Lease amount: from CHF 1'021 per month

### [Mercedes-Benz GLC-Class](https://gowago.ch/en/explore/mercedes-benz/glc-class)

![Mercedes GLC-smaller](//images.ctfassets.net/1wz7s065hz5r/4o8iIXdj4OwRTAcdLO7a8D/25a67700d817b9a88f1dd3c74e0181bc/Mercedes_GLC-smaller.png)

A sleek, compact SUV, the Mercedes-Benz GLC-Class is hard to top for sheer road presence. The 2.0-litre electric-petrol engine provides you with 316bhp in total, and you can expect 157mpg from the diesel version or 2.28 L/100km from the petrol model. The emissions rating is 47-52g/km. This hybrid charges to full within 1.5 hours and has a range of up to 43 km.

- Rechargeable hybrid
- Purchase price: CHF 86'600
- Lease amount: from CHF 1'317 per month

### [Renault Capture](https://gowago.ch/en/explore/renault/captur)

![renault PNG74](//images.ctfassets.net/1wz7s065hz5r/3vqBJPFfBxlxzlVsHyETge/338f3401b0ea0084674269802b5d5511/renault_PNG74.png)

In terms of safety and smart tech, the Renault Captur excels, making it a solid choice for anyone needing a secure, dependable car. The hybrid engine delivers 142bhp, and you can expect to achieve at least 5 L/100km. Use a wallbox to fully charge the battery, within 4 hours you’ll have a range of 50 km. It has an emissions rating of 113g/km.

- Rechargeable hybrid
- Purchase price: CHF 29'300
- Lease amount: from CHF 443 per month

### [Toyota RAV-4](https://gowago.ch/en/explore/toyota/rav-4)

![RAV4-smaller](//images.ctfassets.net/1wz7s065hz5r/5KmaeK81x2ML6L6A4ECOyE/7e3ff420fd0e5110a356ea20426b742b/RAV4-smaller.png)

The Toyota RAV-4 is a large SUV with great acceleration, stability through turns and brilliant traction. The petrol hybrid is packing a 2.5-litre engine that offers 218bhp and the emissions rating is 134g/km. Use a wallbox to power up the RAV-4 in 2.5 hours, and you’ll get a range of up to 96 km on a full charge.

- Rechargeable hybrid or full hybrid
- Purchase price: CHF 41’490
- Lease amount: from CHF per month

## Conclusion

This is our selection of the top 10 hybrid cars currently available in Switzerland. Whether you want an SUV, a family car, or a zippy compact car, there is the right solution for everyone. Of course, there are also other hybrid options that could match your interests, and manufacturers are introducing more and more models and variants every year. [Explore the complete range of hybrids on gowago.ch! ](https://gowago.ch/en/explore?fuelType[0]=full_hybrid_petrol&fuelType[1]=plug_in_hybrid_petrol&fuelType[2]=plug_in_hybrid_diesel)We are confident that you will find the perfect model for you. When the time comes, we look forward to wishing you a fantastic journey with your new hybrid!

The 8 best hybrid cars for leasing: ✓ Volvo XC ✓ BMW X ✓ Ford Kuga ✓ SEAT/Cupra Leon ✓ Mercedes-Benz GLC-Class ✓ Renault Captur ✓ Toyota RAV4

When you’re looking for a new vehicle, environmental concerns may sway you towards an energy-efficient hybrid car.

The best hybrid car leasing in Switzerland 2023

The question that naturally follows is, “what happens to car batteries?” have you wondered what happens to the car battery at the end of their life? The question is very important since car batteries can use a lot of rare elements like Cobalt. A more sustainable way to manage the menace is to assess the environmental impact of used batteries from electric cars, find out how to reduce it, and make positive steps towards the goals for a more sustainable world.

### What are batteries in electric cars?

Electric car batteries are used to power electric cars or hybrid electric vehicles and provide electricity as a source of fuel instead of petrol or diesel. The batteries are rechargeable and mostly use lithium-ion technology for a high capacity and energy density. Electric car batteries are different from the common acid battery used in classical car ignition and lighting.
The global industry for battery production for electric cars uses graphite, metal oxides, and lithium salts. Multiple elements are used to produce positive and negative electrodes that are then combined with an electrolyte. Electric car batteries are usually bolted onto the chassis of the vehicle to store electricity and power the electric motor(s).
Different technologies are used during the manufacturing of batteries for electric cars. Common technologies are lead-acid Nickel-metal hydride, sodium nickel chloride, and Lithium-Ion. The lithium-ion battery is the most commonly used with little data on the capacities of the other technologies. The lead-acid battery supports up to 130 kilometres after a full charge, while lithium-ion has a much larger potential, with capacities between 6.1 kWh to108 kWh that support up to 780 km of range ([Mercedes-Benz EQS](https://gowago.ch/de/explore/mercedes-benz/eqs)).

### The second life of used batteries

After years of use, the battery capacity of an electric car battery wears down and might have to be replaced along the way. Once the battery has less than 70% of its original capacity it won’t fully support the high demands of an electric car’s needs (fast charging, high energy output) anymore. These batteries can still provide a lot of value to other energy storage systems. They can especially be used in a second-life to  of energy such as wind, which have varying amounts of power.

### Recycling of used batteries

Electric car batteries can last more than 10 years but even after a second-life approach they will need to be recycled at some point. One viable method is to recycle the electric car batteries and to use the different components gained for the manufacturing of other products. There are at least five recycling methods:

- Pyrometallurgical recovery, 
- Physical materials separation, 
- Hydrometallurgical metalextraction, 
- Direct recycling method, 
- Biological metals extraction. 

Battery recycling has been performed in Switzerland since the early 1990s to recover metal and to convert polluting substances to less harmful variants. Old car batteries can be recycled worldwide, with at least 96% of their components recycled. Newer lithium-ion batteries like those used in Tesla’s can be recycled up to 92 %.

### Conclusion

Electric car batteries do have an impact on the environment due to the rising demand for certain metals and materials used in their production, but recycling and second-life applications of used electric car batteries help to further improve and reduce the carbon footprint that electric cars generate. In addition, the battery manufacturing industry is continuously looking for different materials to improve the energy density while reducing the environmental footprint simultaneously. Solid state batteries are one example of the potential next step in the battery industry. Additionally, the renewable energy sector and power grids in general have an increasing demand for energy storage solutions which provide a second-life application to used car batteries and further reduce their footprint through a prolonged time of use before they can be recycled. 


Tesla recently announced that it can recycle 92% of its car batteries. But what really happens? Read out more now.

Tesla recently announced that it has the capability to recycle 92% of the car battery. 

What happens to electric car batteries? 

![wallboxen](//images.ctfassets.net/1wz7s065hz5r/34dJ4awb0KjVJuM7eZn97M/28d342b7166221d39d9c288bdd94f66f/wallboxes.jpg)

If so, you're probably asking yourself the following questions: How easy is it to install a Wallbox, and how much does it cost? Below, we take a look at how these devices work and help you answer the question of whether you need a Wallbox at home.

### What is a Wallbox?

Wallboxes are wall-mounted chargers that usually replace the charging cables used to connect the standard sockets in vehicles. There are various models, including the 1-phase models with 3.6 kW and 7.4 kW (32 A) and the 3-phase models with 11 kW (16 A) and 22 kW (32 A). The 3.6 kW and 11 kW wallbox models are the most popular because they work well with the 1-phase and 3-phase sockets commonly used in Switzerland. The 22-kW boxes, however, let you charge faster when three-phase current with 32 A is available. These can also be downsized to 11 kW three-phase or 7.4 kW for single-phase connections, making them a good choice.

### Understanding Wallbox costs in Switzerland 

The cost of charging at a Wallbox is roughly the same as the price of electricity. In Switzerland, this is about CHF 0.20 per kWh. In contrast, public charging systems cost on average about CHF 0.60 per kWh. So a home charging solution is always cheaper. In addition, public subsidies can be obtained for wall charging stations, which lowers the costs. In Zurich, for example, homeowners can claim back 40% of the installation costs or CHF 80 per kW of connected load for chargers up to 22 kWh without load management. If load management is installed, the subsidy increases to 60% of the installation costs or CHF 150 per kW of connected load (whichever is lower).

### Charging capacity and charging time

The charging time depends on the capacity of the car battery and the power of your wall charger. There are Phases I 3.6kW (16A) and 7.4kW (32A) and Phase III 11kW (16A) and 22kW (32A) power levels, and total charging times can vary significantly. Below you can see the charging time for different powers for a [BMW i3](https://gowago.ch/en/explore/bmw/i3) with a range of approx. 300 km.

- 3,6 kW - 12 hours
- 11 kW - 6 hours
- 22 kW - 3 hours

In contrast, charging a BMW i3 via a standard household socket takes 19 hours. As you can see, you can fully charge your car with 11 kW in 6 hours while you sleep.

### Using a wall charger at home

If you own your home, you don't need special permission to install a wall charger, but if you rent, you have to ask your landlord to approve the installation. The same applies if you are using a rented garage. Wherever you install the box, the result is a compact unit with an integrated charging cable and cable holder that looks a bit like a normal petrol pump or without an integrated cable. It doesn't take up much space, is easy to use, and becomes part of your daily life in no time. Many models have coloured LEDs to indicate charging status, and app control is also common to make the box easier to control.

### Installing a Wallbox in your home

If you want to install a wallbox privately in your home, you will need to call in an electrician. He will check the home's power supply to make sure it meets the requirements for electric vehicle charging, lay all the necessary cables, install the box and make sure everything works properly. The cost of a professional wallbox installation in Switzerland is around CHF 3,400, including the cost of the charging station. The charging station itself (e.g., 11kW III-phase) costs around 1,600 CHF.

### Do you need a private wall charger?

There are many reasons to install a Wallbox at home. A Wallbox at home is convenient because it allows you to charge your car in your own garage. It is safer than direct cables because it can control the charging load for different car models. It can charge faster than direct cables and costs less per kWh. This is because Wallboxes are more efficient and therefore the energy loss during charging is less than a normal socket, which can lead to a lower cost per charge. Sophisticated load management systems also ensure that the batteries are charged evenly and minimize the risk of damage. However, it is not suitable for everyone. If you don't have a parking space at home, installing a wall charging station is not an option. But if you charge at home and have the necessary space, a private wallbox installation is definitely a good investment.

### With our partner TCS and its charging stations, you can charge from home.

If you want to charge at home, TCS charging stations are the way to go. TCS charging stations work via standard three-phase sockets and are suitable for cars with Type 1 and Type 2 sockets. You benefit from installation by qualified TCS technicians, and the plug-and-play design makes it easy to get started. There is no easier way to benefit from the most cost-effective charging solution for electric vehicles.


Are you looking for information about the wallbox for charging your electric car? Then find out everything about installation and costs here.

Do you need a Wallbox to charge your electric car?

Wallbox experiences: Facts and tips 

![gowago Auto Herbs](//images.ctfassets.net/1wz7s065hz5r/4J0LdPy7gKCgP8dZtYoNwb/c741821b522099ff56e94661f0c8162d/gowagoherbst.jpg)

Full casco insurance combines multiple insurances to create a comprehensive car insurance package.

With comprehensive car insurance, you and your car are covered in the event of damage caused by a collision, natural hazard, a malicious incident, theft, and other unfortunate events. 

Collision insurance covers any personal injury and property damage caused by your car.

Full casco insurance is included in all the prices you find on gowago.ch. In the event of a breakdown, on-site breakdown assistance, towing, onward transport, and overnight accommodation are [included in our All-in-one package](https://gowago.ch/en/all-in-one), as well as the return of your car after an accident, breakdown, or theft. 

The price of full casco insurance varies heavily depending on the car you are driving, your age, and your gender.

Where gowago.ch does not discriminate between different people, a typical full casco insurance package from other leading insurance providers that do look like this:
![fullcasco EN NEW-01](//images.ctfassets.net/1wz7s065hz5r/5emUl3pVCAbAsknMsbxkta/80d89843bc83fd953df52581210cf8cd/fullcasco_EN_NEW-01.png)
#### Parameters:

- [Škoda Octavia](https://gowago.ch/en/explore/skoda/octavia) 1.5 TSI G-Tec Style Kombi - 5 doors - 130 HP - M-automat - 38460 Fr.
- [BMW X3](https://gowago.ch/en/explore/bmw/x3) xDrive 30e Kombi - 5 Doors - 184 HP — A-Sequent — 68200 Fr.
- Tesla Model Y Long Range Kombi - 4 doors - 351 HP - Direkt - 62000 Fr.

#### For each car, we used the following parameters:

- Location: Zürich
- Year of registration and purchase: 2021
- Kilometres/year: 10’000
- Purpose of use: Private
- Country of citizenship: Switzerland
- Gender: Female/Male

As you can see, 20-year-old men must pay about CHF 100 more than 20-year-old women because they are more often involved in accidents compared to women. 

In the groups of 35- and 50-year-olds, the price differences are minimal – between CHF 1 and CHF 10 — but in both cases prices are higher for women. Only the price of insurance for a Škoda Octavia for 35- and 50-year-old men is higher. 

Additionally, insurance for the Tesla Model Y is the most expensive on the current list, as the more horsepower the car has, the more expensive it is to insure.

At gowago.ch, we offer full casco insurance for any car of your choice at fair and attractive prices, no matter your age or gender.

Everything you need to know about comprehensive insurance for leasing. Find out why men pay more and why a Tesla Model Y has the most expensive comprehensive insurance.

It is compulsory to have full casco insurance when you lease a car in Switzerland.

Fully comprehensive insurance for leasing: What you need to know

Car manufacturers have released a lot of new hybrid and electric cars with tons of tech inside, which could be the beginning of a change where people will be more courageous to buy a fully electric car.

![Ladestation in gowago.ch](//images.ctfassets.net/1wz7s065hz5r/1lRw1v2kXTFhKV0dPdwEeM/8b5c10788af442d53b6854c06d96fe39/gowagocharging.jpg)

## What are electric and hybrid cars and what types are there? 

An electric car, as the name suggests, has an electric engine instead of an internal combustion engine. Whereas a normal combustion-powered car turns liquid fuel into motion by triggering an explosion in the cylinder, the latter turns electricity into motion thanks to a rotor that rotates in a magnetic field. So, a car with a combustion engine has a fuel tank, while its electric counterpart has a battery. The most popular electric car 2023 in Europe is the [Tesla Model Y](https://gowago.ch/en/explore/tesla/model-y).

A hybrid car combines the characteristics of an internal combustion engine and electric propulsion, by two sources of energy provide propulsion. Hybrid cars can be divided into three groups: 

#### The classic HEV hybrid
The first hybrid that debuted 20 years ago and was pioneered by the [Toyota Prius](https://gowago.ch/en/deals?fuelType[0]=hybrid&make[0]=toyota&model[0]=prius). This type of hybrid has the additional function of supporting the combustion engine during acceleration and does not have the possibility of recharging from an external power source. It gets its energy from the combustion engine or during braking.

#### Plug-in hybrid PHEV 
In this type of hybrid, the driver has the possibility to charge the car from an external energy source. The capacity of the battery is usually several kilowatt-hours, which translates into several dozen kilometres of driving in emission-free mode. For example, [Volvo XC40](https://gowago.ch/en/deals?fuelType[0]=hybrid&make[0]=volvo&model[0]=xc40) in the hybrid version has a range of 40 km, so driving in the city can be done in emission-free mode.

#### Mild hybrid MHEV
This is a type of hybrid that combines the functions of the starter and alternator, but is not able to drive the car itself. Energy recovery in mild hybrid cars takes place during braking as well as during deceleration. 

## Charging electric and plug-in hybrid vehicles

It goes without saying that electric cars need to be charged, because without a charged battery, you cannot drive them. However, when it comes to plug-in-hybrid cars it’s not necessary to charge as they can rely on their combustion engine. Nevertheless, it’s worth charging them for economic reasons. If you drive your car to work, or you often drive in the city, a range of 40-50 km should be enough to get you around with electric power on a fully charged battery.

However, when it comes to charging electric cars, simply put, you need access to electricity. You have three options: 
- charging from a household socket, i.e., charging with alternating current (AC), 
- charging with fast chargers that have a direct current (DC) source, 
- and the option of installing Wallboxes, i.e., home charging stations. 

Take the example of the [Audi e-tron](https://gowago.ch/en/deals?make[0]=audi&model[0]=e-tron), which has a range of over 400 km. A full charge using a 230 V household socket, i.e., approx. 2-3 kW, would take more than 40 hours. When using a three-phase installation — 11 kW — charging time reduces to about 9 hours. However, if you want to charge your car faster, using a charging station DC (50 kW). You can charge it in 1 hour 45 minutes. The fastest way to charge your car is to use a charging station DC (150 kW) because it takes less than an hour. However, if you don’t need full charge, with DC 150kW you will charge your car up to 80% in 30 minutes. 
If you are wondering what the fast charger infrastructure in Switzerland looks like, it’s very extensive and grows every year. 

![Ladestationen in der Schweiz - statista.com Quelle](//images.contentful.com/1wz7s065hz5r/4N7txnJY0mEN6PoTqQNVjg/c5206fa89ef4279482b614d2836b547a/statista_ladestationen.png)
Source: statista.com

## Advantages of electric and hybrid cars

Electric cars are the vehicles of the future and offer emission-free and quiet driving. The same applies to plug-in hybrids, which can be charged and driven purely electrically over short distances. [E-cars](https://gowago.ch/en/deals?fuelType[0]=electric) have less technical wear and the brakes last longer because of recuperation (recovery of energy during engine braking). With a mileage of more than 10,000 kilometres per year, the total cost of ownership (TCO) is lower than for cars with fossil engines - as mentioned in the article ["E-Auto, Hybrid oder Benziner? Das musst du wissen – Teil 1" in 20min.ch](https://www.20min.ch/story/e-auto-hybrid-oder-benziner-das-musst-du-wissen-teil-1-961212416557). The TCO includes all expenses including service, maintenance, fuel and more. Depending on the canton, cars with plugs are also exempt from traffic taxes or receive additional subsidies.  Last but not the least, you don’t need to stop for petrol if you want to use your car on usual daily trips because you can use your charging station at home.

## Disadvantages of electric and hybrid cars

With a mileage of less than 10,000 kilometres per year, the TCO of electric cars is currently no better than that of fossil fuels due to the high purchase price. However, electric cars are becoming cheaper, particularly rapidly in the compact class. Battery costs have also halved in the last five years — by 2024 the cost will probably be less than 100 US dollars per kWh. However, these cars need charging facilities, which may involve additional investment costs. It’s also worth mentioning that the time of charging electric cars is much longer in comparison to combustion engines. For example, if you have a [Tesla Model Y](https://gowago.ch/en/deals?make[0]=tesla&model[0]=model-y),  you need ~ 22 minutes to charge the car to 80% — that is a range of about 328 km (full range 410 km) using a special Tesla Supercharger. Considering the trip from Zurich to Hamburg — about 1’000 km — you have to stop at least 3 times, and it takes more than 1 hour, so your trip is automatically extended. If you have an engine car you will need to stop only once or twice for petrol, shortening the necessary stopping time to less than 30 minutes.  

## Is an electric car or hybrid car for you? 

First, you need to define your driving profile: What range and battery capacity do you need? Where is the vehicle used and what type of driving makes sense? Charging infrastructure is important: Where and how fast can you charge? If you are not convinced about switching from an internal combustion engine car to a fully electric car, a hybrid is a good first choice. It is an in-between option that shows you “what it's like” to have an electric car. Thanks to this, you are able to make the right, fully aware choice. 

The proportion of plug-in cars is [gowago.ch](https://gowago.ch/en/deals?fuelType[0]=hybrid) currently 15 percent, and the trend is growing. ¾ of these vehicles are pure electric cars, the rest are hybrids.


Hybrid vs. electric: Learn about different charging technologies and hybrid types (classic, plug-in, mild hybrid). Find out about the advantages and disadvantages now.

With the era of the combustion engine set to end in Europe in 2035, electric cars are becoming increasingly popular. 

Hybrid or electric? Discover the advantages and disadvantages 

## 1. 100% online

Neo-Leasing is unique in its kind. Among other things, it is a 100% online leasing process with everything included. Everything can now be done online from the comfort of your own home or on the go - from finding the car to signing the final contract. [The all-inclusive lease](https://gowago.ch/content/leasing-one "Leasing One") from gowago.ch is the first neo-lease in Switzerland.

![gowago.ch auf Natel](//images.ctfassets.net/1wz7s065hz5r/5EUrfGCV2yKdfXsxCv5yuB/b95bf0b7622e32dbb7c76512ff929e3e/Street_Scene_Sign_Online.jpg)

## 2. All-inclusive

Neo-Leasing is "[All-in-one](https://gowago.ch/all-in-one "All-in-one")" and covers all the costs involved in car ownership. You therefore not only save money, but also time. Insurance, taxes, service, warranty, tyres including change and storage as well as the vignette are included in the price of every car. Every customer is cared for by a gowago.ch Advisor, who answers any questions and concerns.

## 3. All brands

Neo-Leasing from [gowago.ch](https://gowago.ch "gowago.ch") can be obtained on any vehicle on the market. There are thousands of cars to choose from on the platform.

## 4. New and used cars

Neo-Leasing of a car is now also possible for [second-hand vehicles](https://gowago.ch/blog/leasing-used-car "Leasing used car"). This allows for a lower purchase price and therefore a reduced monthly payment. The risk associated with a used car is completely covered with the all-inclusive leasing from gowago.ch.

![gowago.ch on mac](//images.contentful.com/1wz7s065hz5r/1sTwWDLoj3uIsPgNGQdLOf/8aca712e4a80a2de1f46fc541fa72aa4/image_laptop_search_2x.jpeg)

## 5. Get your budget under control

No surprises await you with Neo-Leasing. All costs are covered and the residual value of the vehicle is fixed at the beginning. That's why you receive an invoice every month that always [stays the same](https://gowago.ch/blog/all-in-one-leasing-saving "leasing saving").

## 6. Easy entry into electric cars

With Neo-Leasing, you can trade in your car online and make a worry-free switch to an [electric car](https://gowago.ch/deals?fuelType[0]=electric "E-Autos"). There is no need to speculate on the value of the electric car after use, as the residual value is fixed when the contract is signed.

![Electric charging of a car](//images.contentful.com/1wz7s065hz5r/1swoPPvC3SZ58RW1llPGzu/acf3374a4293666735bd6303ada9f32c/image_charging_car_2x.jpeg)

## 7. Best reviews

Gowago.ch, which developed Switzerland's first neo-lease with its all-inclusive leasing, also has the best customer reviews (4.9 stars on Google Reviews).

## 8. Fixed prices

Neo-Leasing is [price-transparent](https://gowago.ch/how-it-works "How it works"). Right at the beginning of the order, the final fixed price is transparently visible. The displayed price remains guaranteed and makes it easy to compare prices and models.

## 9. On the road with you

Those who go on the road with all-inclusive leasing receive a personal [advisor](https://gowago.ch/myservices "My services") right from the start, who accompanies them through the application process and is also available later, when they are on the road, to answer any questions or concerns they may have.

## Conclusion
Neo-Leasing is Leasing 2.0. For you, it makes everything simply easier! Everything is online, all-inclusive, and available for all brands—no more need to navigate through the leasing jungle. Plus, you have super friendly advisors always by your side! Depending on your budget, you can also lease used cars and find really great deals. Want to try out an electric car? No problem, because the relatively short contract terms in leasing allow you to change your car every 2-4 years. With a Neo-Leasing from gowago.ch, you also always have your budget under control thanks to fixed prices, and you don't have to worry about sudden fees and costs.

![Berater von gowago.ch](//images.ctfassets.net/1wz7s065hz5r/6jsC7oHspn52WOnCPNwpvW/e189645e3226044a6e153195cb495f25/Gowago_1.jpg)

You probably know about neo-banks - now there's also neo-leasing from gowago.ch. Ten reasons why most people will conclude their next car via neo-leasing.

You probably know about neo-banks - now there's also neo-leasing from gowago.ch. Nine reasons why most people will conclude their next car via neo-leasing.

9 reasons for Neo-Leasing

You live in Switzerland and have just bought a new car? Then you should know that it's not just a question of paying a regular monthly rate. Whether it's a purchase or a lease, commonly known as a lease with purchase option, each car model obtained hides hidden costs related to this investment. In fact, these are extra costs that must be included in your car budget each year. They should be taken into consideration as soon as you take possession of your car.

## The various hidden costs

### Full CASCO insurance
When you own a car, you are required by law to take out partial or full car insurance. In Switzerland, if you have purchased a car through a lease option, Full-CASCO insurance is compulsory. This is an insurance policy with full cover for all damages, even if caused by others. In other words, it covers you against various risks including fire and natural phenomena, theft, collision, destruction or damage. The annual cost of the insurance depends on a multitude of factors such as the model and year of your vehicle, your age and your driving experience.
__Full CASCO insurance: CHF 840 on average per year.__

### Repair and maintenance
Having a car means thinking about regular repairs and maintenance. That's why drivers must be prepared to pay significant costs related to this hidden cost. Changing a faulty part or having an oil change is an expense to be avoided, usually in addition to the monthly leasing rate. 
__Repair and maintenance: CHF 1,300 on average per year__

### Tyres
Changing your tyres is also one of the hidden costs of maintaining your car properly. To do this, you need to include in your maintenance budget the cost associated with two tyre changes per year. But also the cost of storing your tyres if you don't have the space to store them at home.
__Tyres: CHF 800 on average per year__

### Annual taxes
In addition to the cost of your lease to be paid monthly, owning a car requires the payment of an annual fee to your canton. Each motor vehicle is also subject to a traffic tax, also known as the road traffic tax. The calculation of this tax depends on a number of criteria, including the canton, the power, the cubic capacity and the total weight of the car.
__Taxes: CHF 300 on average per year__

## All-in-one by gowago.ch

If you don't have the time to calculate all these hidden costs of owning a car, let [gowago.ch's exclusive "All-in-one" offer](https://gowago.ch/en/all-in-one) appeal to you. It is an attractive offer that combines all the costs into one monthly payment. Thanks to "All-in-one", you no longer need to pay for any other hidden costs, because the price you see includes all the hidden costs such as full CASCO insurance, vehicle tax, maintenance service, warranty, tyres change and storage and, of course, the vignette which is completely free of charge. By bundling these costs we are able to make it more affordable to you by using our power and the power of our partners. Thanks to this offer, all you have to do is drive wherever you want in a more affordable way!


Do you know all the hidden costs related to your car? gowago.ch sheds light on them.

The hidden costs when you get a car

![used_car_leasing](//images.ctfassets.net/1wz7s065hz5r/4SS18kqshDpoSf7kDIFEEg/33ba8b0876c161c5120d0d0f8e6fe34d/leasing_used.jpg)

The coronavirus pandemic has had an impact on the Swiss leasing market and the Swiss economy in general. However, the trend is upwards thanks to the explosion in demand for safer, more secure individual means of transport. It goes without saying that leasing is a process that allows thousands of households to drive modern cars for monthly payments that remain affordable. The price can be lowered even more by leasing a second-hand car. As well as being flexible, leasing a car for a fixed period of time also allows you to save money. There is no better way for a household to control the budget for their car.

## Leasing a car in excellent condition at a lower cost
More and more people are interested in leasing in Switzerland. Studies have shown that almost half of the cars on Swiss roads are using this means of payment, and it seems that this number is growing steadily with some dealers now reporting 80% of their cars being sold over leasing

__But did you know this?__ Leasing a car is also possible on used car models which offer a more accessible selling price and in consequence a reduced monthly payment. Gowago.ch offers you in its catalogue a wide choice of second-hand vehicles in leasing with interesting monthly payments for a period from 24 to 60 months. By choosing a second-hand model instead of a new one, you can make potential savings of between CHF 3,000 and 5,000, depending on the model of the car and its mileage.

Taking the example of a used [Audi A1](https://gowago.ch/en/explore/audi/a1) Sportback 30 TFSI S-tronic with a mileage of 2500 km, displayed at a list price of CHF 35,500. With standard leasing parameters - 48 months - 10,000 km/year - 15 % down payment, the monthly all-inclusive used leasing instalment amounts to CHF 530 (CHF 626 if the vehicle is new).

[Discover our second hand models](https://gowago.ch/en/explore/vehicleType/used)

## Consolidate the costs into a single monthly payment
Leasing providers are working harder and harder to give private individuals the opportunity to get the most out of their leases. With this in mind, [gowago.ch has launched the all-in-one offer](https://gowago.ch/en/all-in-one) on the market. This offer combines insurance, taxes, maintenance costs, tyres and warranty in a single monthly payment, which not only reduces costs but also saves time. 

So you can rest assured that gowago.ch's All-in-one service removes the fears associated with getting a used car: the costs associated with service and maintenance and a vehicle without a warranty.


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__Why lease a second hand car rather than purchase?__
The success of leasing is also due to the lack of interest in buying a car among private individuals, especially young people. Moreover, why should they do so? Driving a car out of the dealership makes them lose 20% of their investment, hence the constant interest in leasing as a purchase option. Don't forget that if you're a heavy car user, you have absolutely no interest in buying a new one, which will see its residual value halved after 3 years. This new car will have cost an enormous amount of energy, time and money to depreciate after only a few years. Never forget that, unlike real estate, a car loses value over time.
It is a fact that a used or new leased car costs you considerably less than buying it, and what's more, you can change it if you wish. One of the biggest advantages of leasing is that you don't own the car, but can exchange it for a newer model or buy it off when you want.

<p style="text-align: center;"><a class="button is-primary is-medium" href="/en" style="background:#00c86c; text-decoration: none !important;"> Browse car deals </a></p>

Learn now what to look for when leasing a used car and when to lease instead of buy.

Used car leasing in Switzerland: pre-owned leasing 

![10 000 CHF sparen](//images.ctfassets.net/1wz7s065hz5r/4CxXLmAmpHBq1u690ieUTI/a5584ecf581090e659afa7c8e86456dd/pourquoi_leasing.svg)
Leasing allows you to purchase a car with a different payment plan and reduces the impact on your portfolio. However, everything does not always go as planned, unforeseen and sometimes steep bills and hidden leasing costs can compromise your budget planning in the acquisition of a car. Gowago.ch provides you with 6 wise advice to help you in your choices and assists you in order to save up to CHF 10,000 on your leasing budget and to avoid additional costs.

## Consolidate all the running costs into a single monthly payment.
To facilitate your budget planning and save money, [gowago.ch offers you the All-in-one formula](https://gowago.ch/en/all-in-one). The All-in-one contract gives you the possibility to benefit from a monthly payment including all the necessary services and additional costs. This formula combines the comprehensive insurance of your vehicle, the taxes related to registration and cantonal road tax,the tyres as well as their storage and change, as well as the extension of the guarantee. Saving time and money, this formula offers specific discounts and allows you to pay all the possible charges of your vehicle in one monthly payment. Over a leasing period of 48 months, you can expect to save between CHF 1,000 and 2,000 compared to buying separately. 

__Potential savings: from CHF 1,000 to 2,000__ 

## Choosing leasing on a second-hand vehicle
The leasing is also available on used car models, which offer a more affordable selling price and ultimately a reduced monthly payment. Gowago.ch offers you in its catalogue a wide choice of second-hand vehicles in leasing with interesting monthly payments for a period going from 12 to 60 months. By choosing a second-hand model instead of a new one you will be able to make potential savings of between CHF 3,000 and 5,000, depending on the model of the car and its mileage. Taking the example of a second-hand [Audi A1](https://gowago.ch/en/explore/audi/a1) Sportback 30 TFSI S-tronic
with a mileage of 2500 km, displayed at a new list price of CHF 35,500. With standard Leasing parameters - 48 months - 10 000km/y - 15% down payment,  the second-hand leasing rate offers you a monthly payment of CHF 530 all inclusive (CHF 626 if the vehicle was new).

__Potential savings: from CHF 3,000 to 5,000__

## Choosing the right mileage
The lease contract defines the number of kilometres you plan to drive with your vehicle. Thus, to prepare the acquisition of your leasing, it is imperative to evaluate the use of the car in order to extrapolate the distance you could drive. The excess mileage provided for in the contract is generally penalized at a rate of 20 cents per kilometer. Thus, you will have to choose the mileage adapted to your needs in order to avoid paying penalties at the end of the leasing contract. A wise choice of mileage will allow you to potentially save between CHF 200 and CHF 1500.

__Potential savings: from CHF 200 to 1500__

## Opting for a vehicle with a high residual value
The residual value of a vehicle plays an important role in the budget when choosing a car for leasing. As the residual value is the amount to be paid  before taxe at the end of the leasing contract if you decide to exercise the purchase option, it influences the monthly payments during the lease. The greater the residual value, the lower your monthly payment will be, but the purchase price will be higher. By choosing this method, you can save between CHF 2,000 and CHF 10,000 in leasing rates.

__Potential savings: from CHF 2,000 to 10,000__

## Negotiating a trade-in
The car trade in has proved to be effective in limiting your expenses by finding out more about the value of the vehicle and negotiating a good price. You can make some savings and invest the money earned for the down payment of a leasing contract. With this strategy, you can save between CHF 3,000 and CHF 10,000 when negotiating the lease.

__Potential savings: from CHF 3,000 to 10,000__

## Choosing the right insurance coverage
When the vehicle is returned to the dealer at the end of the lease, the car is examined for wear and tear not covered by the contract. This step can be very expensive if you are not well prepared. In order to avoid unforeseen expenses at the handover of the lease, gowago.ch offers you its full casco insurance which covers most of the risks at the handover and avoids surprise invoices. If you take out this insurance, you can expect a possible saving of CHF 500 - 2000 compared to other insurances.

__Potential savings: from CHF 500 to 2,000__

## Summary
So there you have it: You could save up to 10,000 Swiss Francs! [Not only can you save with our All-in-one offer](https://gowago.ch/en/all-in-one), but also with smart strategy in leasing configuration! Used cars are a great trick to save you money without sacrificing quality. Careful consideration and smart choices regarding the car's residual value can make your wallet shine again. Choosing the right insurance will also save you potential costs at the end of the lease. And finally, you can easily use your old car as a down payment—saving both time and money!

<p style="text-align: center;"><a class="button is-primary is-medium" href="/en" style="background:#00c86c; text-decoration: none !important;"> Browse car deals </a></p>

With these 6 tips, you can save up to CHF 10,000 with your next leasing. Find out now how to avoid hidden costs by leasing a car with everything included.

gowago.ch has become the most affordable way to drive in Switzerland by making you save money on 1'000s of new and used vehicles.

Leasing Budget: Avoid Hidden Costs (6 Tips) 

Are you looking for a practical new car or a modern used car for your daily trips to the city or to the countryside for your weekend trips? Then grab your modern car for every budget with the all-in-one package offered on our platform.

## __What is the All-in-one package?__
[All-in-one by gowago.ch](https://gowago.ch/en/all-in-one) is the easiest way to get a car in Switzerland. All our prices include insurance, taxes, maintenance, tires and an extended warranty in one monthly payment, for you to save both time and money.

__In this selection you will find the nine most popular leased cars in their respective price ranges.__

### Under 500 CHF

[__Fiat 500__](https://gowago.ch/en/deals?make[0]=fiat&model[0]=500)
![Fiat 500 elektrisch](//images.ctfassets.net/1wz7s065hz5r/6etkGdQrXtXSblwMFZmdrJ/cbc2894fd27c47dd696fe44a5d28f741/fiat_500-01.png)
The interior of this car reflects as much refinement as the exterior. The interior has clean lines and a very simple look, which is complemented by the 7-inch HD screen. The Fiat 500 is equipped with the Apple Carplay system, which facilitates driving and ensures the safety of all vehicle occupants. The device allows access to the basic functions of a smartphone, such as making and receiving calls and messages, searching for information and navigation function. All the while being sure to keep your eyes on the road and your hands on the wheel. 

[__Skoda Fabia__](https://gowago.ch/en/explore/skoda/fabia)
![skoda Fabia](//images.ctfassets.net/1wz7s065hz5r/4k09nYtTRQZKzKCBIfzasF/1c05e80b134200f7c71f12787e0ff9ea/fabia.png)
This flexible car offers you everything you need to get around on country roads and in the city with ease. The sporty curves of the Skoda Fabia reflect its dynamism, modern appeal and safe handling. The Skoda Fabia welcomes its passengers to a cozy and stylish interior. There are also a number of amenities based on the latest technological innovations, such as the central display that shows various useful data when needed. The Skoda Fabia offers safety, thanks to the XDS+ electric differential lock, the parking assistant that works on the basis of several radar sensors and the adaptive cruise control, among others. This progressive car is supported by a powerful, environmentally friendly and economical engine.

[__Audi A1__](https://gowago.ch/en/explore/audi/a1)
![Audi A1](//images.ctfassets.net/1wz7s065hz5r/3P9KOWoV9tIRSoauRq7ZL9/2b981ca065531034b2b9493d1807d944/pngwing.com__3_.png)
The A1 impresses with a wide range of equipment options and a dynamic design. With its sporty lines, it shows its very own character. The design of the air vents, the digital instrument cluster and the hood above the instruments provide a powerful contrast. Probably the sportiest interior in the compact class - this is how the interior of the Audi A1 presents itself. Thanks to the built-in Audi connect services, you can enjoy features such as the new 3D city models that display exact maps of many cities.

### Under 750 CHF

[__Tesla Model 3__](https://gowago.ch/en/explore/tesla/model-3)
![Tesla 3](//images.ctfassets.net/1wz7s065hz5r/5HOhq1KRycr6YmW2dLv6it/9f56749dd29ad1e9ed49ebd748d0c7fd/Tesla_Model_3.png)
An important feature of the Model 3's design is safety. Its metal construction, a combination of aluminum and steel, guarantees maximum resistance in all areas. In a roof deformation test, the Model 3 withstood four times its own weight, even with a large-scale glass roof. For its part, a carbon fiber spoiler increases driving stability at fast speeds. Thanks to these features, the Model 3 accelerates from 0 to 100 km/h in just 3.3 seconds. Its wide glass roof extends from over the entire car, creating a unique sense of space and freedom in every seat. You can use your own smartphone as the key and conveniently operate all driving-relevant functions via a 15-inch touchscreen. 

[__Audi A3__](https://gowago.ch/fr/explore/audi/a3)
![Audi A3](//images.ctfassets.net/1wz7s065hz5r/7tDIbcN1p5xIVWOQHVYhB8/2c83ac980f825efc8e73d9dab5c3f67f/audi_a3.png)
The Audi A3 Sportback has expressive wheel arches, a widened track and a continuous side line at the shoulder. Combined with the extended honeycomb single frame, the Audi A3 Sportback looks very sporty. Various driver assistance systems and technologies in the Audi A3 Sportback assist with evasive action, acceleration and braking, among other things. This significantly enhances driving comfort over longer distances and in city traffic. Dynamics in the interior are provided not only by the optional front sports seats but also, among other things, by the center console with the Shift by Wire gearshift control system - on vehicles with S tronic. The optional on-street parking system in the MMI navigation plus shows, for example, how much chance there is of finding a parking space along certain roads.

[__Polestar 2__](https://gowago.ch/en/explore/polestar)
![Polestar2](//images.ctfassets.net/1wz7s065hz5r/31vjVVfTNj4sAgxJYLOBS7/f3a62e8090de1df1a83232b94801d46e/1.png)
The five-door, five-seat Polestar 2 is Polestar's first all-electric model. With its powerful electric powertrain, novel digital features, agile steering response and futuristic looks, it is packed with features that go beyond current standards. The exterior is equally compelling. From the frameless side mirrors to the futuristic headlights, its exterior brings out a clean, cool look that is quite simply different in an unflinching way.

### Under 1000 CHF

[__Kia EV6__](https://gowago.ch/en/explore/kia/ev6)
![Kia EV6](//images.ctfassets.net/1wz7s065hz5r/4u18NEdvleCuoCNeMgWOPl/07a280b8bf93b524fd7f6da0d6320a95/kia_ev6.png)
The Kia EV6 relies on contrasting combinations of sculptural renderings and well-formed design elements. The electric car is able to incorporate curves and a design that is rather restrained on the surface. Thanks to 800-volt technology, the EV6's battery can be charged particularly quickly. Within 18 minutes, the previously empty battery is 80 percent full again. In less than 5 minutes, the power for 100 kilometers can be recharged. When the gas pedal is depressed, the EV6 with all-wheel drive can reach a speed of up to 185 kilometers per hour. The average battery range of about 350 kilometers is sufficient even in winter. The Kia can score with good traction at traffic lights, and the 325 electric hp more than does its job on the road. 

[__Tesla Y__](https://gowago.ch/en/explore/tesla/model-y)
![Tesla Y](//images.ctfassets.net/1wz7s065hz5r/5CSwjEpOACWRQVjU0UGqJe/fbf908f06c6d5a388a78c94b66964fc9/Tesla_Model_Y.png)
The Model Y is designed to be safe. The very rigid construction of the body, the large crumple zones and its low center of gravity ensure exemplary safety. The Model Y offers space for up to 5 people and their luggage. Each 2nd row seat folds down separately to provide flexible cargo space. Since the tailgate provides convenient access to a flat cargo area, loading and unloading is quick and easy. The interior of the Model Y is straightforward and uncluttered. You have an unobstructed view of the road thanks to the elevated seating position and low dashboard. The 15-inch touchscreen and Soundfield audio system are particularly pleasing. The wide, curved glass roof provides additional headroom and an unrestricted view of the sky.

[__BMW X4__](https://gowago.ch/en/explore/bmw/x4)
![BMW X4](//images.ctfassets.net/1wz7s065hz5r/3sLSAIJOoqwUNKEhIDpp1B/8ad56e547cbf21b028dde96fc255f18e/bmw_x4.png)
The BMW X4 looks very progressive thanks to a reinterpreted front end. The LED headlights, which are one centimeter flatter, a redesigned bumper with vertical air vents and the distinctly angular kidney make it look dynamic and modern from every angle. The BMW X4 comes standard with M sport steering and M sport suspension. M Performance models also feature a revised braking system and an M sport differential, and ride on 20-inch wheels as standard. New technologies such as BMW Maps, BMW News, the latest driver assistance systems and smartphone integration further enhance road safety and the driving experience in the BMW X4.

## Conclusion
No matter what your budget is, you'll find a car for you at gowago.ch. Especially with used cars, you can potentially save a lot of money on leasing without sacrificing much in terms of quality. It's definitely worth it to use the favorites function on gowago.ch to view and compare different offers. You're guaranteed to find your bargain, dream car, or bargain dream car! If you need help with your search or have found a car, we are always here for you.

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Choose your leasing offer from our selection of cars for less than 500 CHF / month all inclusive. 

Leasing doesn't have to be expensive. In this article, we'll show you three popular leased cars each including the all-in-one package for less than 500, 750 or 1000 CHF. 

The most popular new and used cars for every leasing budget [2022 update]

When you get a car, the most exciting part is to select the car that is right for you. What is important to know, and what people usually underestimate, are the side costs mandatory to get a car on the road. When you sum up everything, you obtain what are called “Total Costs of Ownership”. They are used for example to compare if riding an electric vehicle is a save on the wallet.

gowago.ch has partnered with the best suppliers in Switzerland, negotiated the best prices and bundled everything together in a package - the All-in-one. Using economies of volume, we help our customers save up to 1’900 CHF over the duration of their lease, compared to car costs calculated by TCS.

[Choose one of 1'000s of cars and start saving.](https://gowago.ch/en)

The table below will show you as an example how you can save up to CHF 1’900 on an [Audi A4](https://gowago.ch/en/explore/audi/a4) Allroad lease, 48 months and 10'000km per year with All-in-one by gowago.ch :

<table class="table is-hoverable is-striped">
  <tbody>
    <tr>
      <th></th>
      <th>All-in-one</th>
      <th>Buy yourself</th>  
    </tr>
    <tr>
      <th>Full-casco insurance (per year)</th>
      <td><i class="fas fa-check fa-lg" style="color:#2DBD6A"></i></td>
      <td>1’740 CHF</td>
    </tr>
    <tr>
      <th >Vehicle tax (per year) *</th>
      <td><i class="fas fa-check fa-lg" style="color:#2DBD6A"></i></td>
      <td>595 CHF</td>
    </tr>
    <tr>
      <th >Servicing (per year)  *</th>
      <td><i class="fas fa-check fa-lg" style="color:#2DBD6A"></i></td>
      <td>726 CHF</td>
    </tr>
    <tr>
      <th>Tyres (per year) *</th>
      <td><i class="fas fa-check fa-lg" style="color:#2DBD6A"></i></td>
      <td>415 CHF</td>
    </tr>
    <tr>
      <th>Tyres change and storage (per year) *</th>
      <td><i class="fas fa-check fa-lg" style="color:#2DBD6A"></i></td>
      <td>260 CHF</td>
    </tr>
    <tr>
      <th>Vignette (per year)</th>
      <td><i class="fas fa-check fa-lg" style="color:#2DBD6A"></i></td>
      <td>40 CHF</td>
    </tr>
    <tr>
      <th>Total cost of owning the car (per year)</th>
      <td>3’300 CHF (275/mth)</td>
      <td>3’776 CHF (315/mth)</td>
    </tr>
    <tr>
      <th>Total cost of owning the car over 48 months</th>
      <td>13’200 CHF</td>
      <td>15’104 CHF</td>
    </tr>
    <tr>
      <th>Total savings over 48 months</th>
      <td>1’904 CHF</td>
      <td> - </td>
    </tr>
  </tbody>
</table>
<i>*Estimation powered by TCS.</i>

You have a question or would like to request a personalised offer to see how much you’re saving with a gowago.ch deal on the car of your dreams? Write us at [info@gowago.ch](mailto:info@gowago.ch "Get more info") or [book an appointment with one of our gowago advisor in 2 clicks!](https://meetings.hubspot.com/fabian-bollhalder/15-minute-free-consultation-to-answer-any-open-questions-)

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gowago.ch has become the most affordable way to drive in Switzerland by making you save money on more than 9’000 of new and used verified vehicles.

gowago.ch has become the most affordable way to drive in Switzerland by making you save money on 1'000s of new and used verified vehicles.

How gowago.ch helps you save up to 1’900 CHF

![Happy car](//images.ctfassets.net/1wz7s065hz5r/4pqmH5l7PPJ7IMQVI88VDM/bb73f1b14c6f95fb7e60309b41ba5433/happy-young-woman-with-wooden-box-near-modern-automobile-4173100.jpg)

Many people have experienced it in their life, you’re driving in your car and the service light comes on. The first responses are usually: “WTF is this light? Can I still drive my car? And how much is this going to cost me?” The following moments you start calling the service number, the salesperson who sold you the car or your insurance company. Finally, you are sent to a garage miles away, after which you’re given a huge bill with unexplained costs you don't understand. Unable to compare and unable to benchmark against other garages. Leaving you unsatisfied and with a big bill to pay. 

This is why we built All-in-one. By bundling all the fees together we got rid of unexplained service costs to make sure you never pay too much and are always satisfied. On top, we used our power and the power of our partners to save you money by bundling the costs of insurance, service, tyres and warranty together. Moreover, as we’re partnered with all the branded garages in Switzerland you’ll never have to drive far. 

gowago.ch is the easiest way to find, get and drive a car in Switzerland and with our economies of scale, we made it more affordable as well. Unlike a full service leasing provider, we have 1'000s of cars you can choose from and our team is unbiased in helping you get the right one! gowago.ch is the dealership of the future that is transparent and honest and which helps you drive comfortably and easily. 

Here’s what sets us apart:

__- All-inclusive costs:__ We bundle together all the costs that you need to get on the road, so that you and your car are safe for a great price.

__- All online:__ We make sure you can get the car from the comfort of your own home with the easiest process on the market.

__- Unbiased team:__ Our experienced team of Advisors makes sure your questions are answered and that you feel comfortable with getting the right car for the right price. Our motto: “we don't sell you cars, we help you get one”. 

__- 1'000s of Dream Cars:__ We stock the most popular makes and models, from [Audi](https://gowago.ch/en/explore/audi "Audi") to [Skoda](https://gowago.ch/en/explore/skoda "Skoda"), from [Jeep](https://gowago.ch/en/explore/jeep "Jeep") to [Jaguar](https://gowago.ch/en/explore/jaguar "Jaguar"), from [Mazda](https://gowago.ch/en/explore/mazda "Mazda") to [Volkswagen](https://gowago.ch/en/explore/vw "VW"). Find your next ride.

__- Sell or Trade In:__ Already have a car? No problem, we can help you get a great price for it.

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All-in-one by gowago.ch is the easiest way to get on the road in Switzerland. Find out why!

Why choose All-in-one by gowago.ch ?

# The best leasable Hybrid cars in 2020 

Due to the new  CO2 standards, hybrid vehicles are growing strongly in Switzerland. In 2019, one out of ten registered cars is equipped with alternative motorisation. This is expected to increase further this year in line with the government's environmental guidelines and compliance with the CO2 standard.

![Top hybrid cars leasing](//images.ctfassets.net/1wz7s065hz5r/7zTmcfw21Q9KRFlp2ZuwZw/3a32986e3259025fc892483d84999b71/subaru_xv.jpg)

## What are the differences in a hybrid car?

Hybrid cars combine combustion engines with electric batteries. A distinction is made between the traditional hybrid car and the rechargeable hybrid car (PHEV). Their difference lies in the capacity of the battery and the means for recharging. A hybrid car, also known as a "Full Hybrid", is equipped with a battery with a capacity of 1kWh. Its range is limited and its maximum speed is around 50 km/h. More recently, "mild hybrid" vehicles have appeared. They are equipped with an electric motor to assist the combustion engine during acceleration. It is a simple support and cannot replace the combustion engine. However, it reduces consumption and is cheaper to install.
Finally, the Plug-in Hybrid is equipped with a more powerful battery that can be recharged from an electrical outlet like an electric car. Its capacity varies between 8 and 12 kWh and offers a range of 20 to 60 km with a maximum speed of 120 km/h. The combustion engine takes over when the car exceeds the maximum speed allowed by the battery power or when the battery is discharged. The battery is recharged at a charging station or a 220 V socket.
Hybrid cars are appreciated for their lower fuel consumption compared to a petrol car and their lower CO² emissions. The combustion vehicle generates a loss of kinetic energy in braking or deceleration mode, while the hybrid recovers this energy to recharge the battery. In built-up areas, a hybrid car consumes little fuel and makes little noise. If you are considering buying a hybrid car, here are the qualities of the best 2020 hybrids and their cost when buying a lease.

## <a id="cclass">C Class combi</a>
![C Class combi leasing](//images.ctfassets.net/1wz7s065hz5r/4D3lOb70lm51ChpGqcZsul/faaf0ef67f69be233c85cda5a3c745bd/c_class.jpg)
The C Class combi is Mercedes' second hybrid model available in diesel and petrol versions with an electric range extended to 59 km. It is equipped with a 9-speed 9G-TRONIC PLUS gearbox with 306 bhp in diesel and 320 bhp in petrol. The 13.5 kWh battery is identical on both engines. The battery requires 3.5 hours and 7 hours to be quickly recharged from a wall socket. The Mercedes C Class Combi consumes between 1.4 and 1.9 l/100 km with CO2 emissions of between 36 and 44 g/km.

- Rechargeable hybrid
- New price from 60 402 CHF
- Lease amount: CHF 652

## <a id="swift">Suzuki Swift</a>
![Suzuki Swift leasing](//images.ctfassets.net/1wz7s065hz5r/2N7aB44qnckOWYVTlrBnYb/3774bba23f55c81a08e162e6f3c2af0b/Suzuki_Swift.jpg)
In the war against CO², each manufacturer offers a model. Instead of existing hybridisation systems, the Japanese manufacturer chose micro-hybridisation by coupling its petrol engine with a 12 V lithium-ion battery. The advantage of this grafting between battery and engine is a reduction in CO² emissions and a reduction in consumption to 4.0 l/100 km with 90 g of CO². In addition, the remarkably efficient Stop & Start system limits fuel consumption in the city and reduces pollution. This well-equipped city car is unanimously acclaimed for the quality of its finishes and comes in 5 versions.

- Mild hybrid
- Purchase price: CHF 11,772
- Lease amount: from CHF 415/month

## <a id="toyota">Toyota RAV 4</a>
![Toyota Rav 4 leasing](//images.ctfassets.net/1wz7s065hz5r/5LsL30MCKdJhG05ERejqoY/26fb05883b1733f26abf7df400dbbc23/toyota_rav4.jpg)
The Toyota RAV 4 comes in two engine versions and a choice of two or four wheel drive. The vehicle is richly equipped. The manufacturer has declined its model in four levels of finishes for both models. The 2.5-litre, 177-horsepower petrol engine tops out at 180 km/h with an average fuel consumption of 4.5 l/100 km and emissions ranging from 102 g/km to 105 g/km depending on the model. The vehicle is very well equipped with, among other things, automatic emergency call from the first trim level, the Toyota Safety Sense package and bi-zone LED lights and fog lights.

- Full hybrid
- New price from CHF 38,367
- Lease amount: 811 CHF

## <a id="evoque">Range Rover Evoque</a>
![Range Rover Evoque leasing](//images.ctfassets.net/1wz7s065hz5r/1818huvMOrEbLfThO6dL35/90d629bf91d58a2d49d7ac716fe29418/range-rover-evoque.jpg)
Launched in 2011, Range Rover's SUV has established itself as the number one choice for customers looking for a luxury car. More urban, less bulky and less expensive than the traditional model, it returns in 2020 in a hybrid formula. The model is equipped with a 200 hp petrol engine and three cylinders combined with an 80 kW electric motor. This 4X4 with its MHEV hybrid technology reduces its carbon footprint to 193 Co2 /km and its 9-speed automatic gearbox will appeal to the most demanding customers. It is equipped with a multimedia system with a digital screen and adjustable LED headlights to avoid dazzling.

- Mild hybrid
- New price from : 41,949 CHF
- Lease amount: CHF 589/month

## <a id="tucson">Hyundai Tucson</a>
![Hyundai Tucson leasing](//images.ctfassets.net/1wz7s065hz5r/l0VrNiDHBIovlx9ZJEkep/dffa08236c3db59369fc6b53348a1653/hyundai-tucson.jpg)
The world's fifth largest car manufacturer has not fallen behind in the race for hybrids. Its Tucson 2.0 SRI model is a well-designed car with an opulent shape and quality finishes. This SUV is equipped with a lightweight hybrid engine. The petrol or diesel combustion engine is combined with a 48 V lithium-ion battery and a starter-alternator to limit CO² emissions by 7% and fuel consumption. In the city, driving is more pleasant and the engine avoids the hollows of depolluted engines at low revs. The 185 hp engine consumes an average of 6 L/100 KM at a top speed of 201 km/h and emits 149 g/km of CO2.

- Mild hybrid
- New price from : 47 809 CHF
- Lease amount: 424 CHF/month

## <a id="mazda">Mazda 3</a>
![Mazda 3 leasing](//images.ctfassets.net/1wz7s065hz5r/1NtEYCO5cqmXVK2kqquYZF/32b50df5317217c65e4eb19dc77f8289/Mazda-3.jpg)

With its long, plunging hood, the Mazda 3 looks great. With its fluidity and dynamism, this compact seduces with its lines. It is equipped with the Mazda M Hybrid system, which converts the kinetic energy stored in the deceleration phases into electricity, thanks to a starter-alternator that replaces the combustion engine when starting, during city driving, or accelerating up to 90 km. Its consumption is 7.4 l/100 km on the road and 7.6 l/100 km in town.

- Mild hybrid
- New price from CHF 28,442
- Lease amount: 281 CHF

## <a id="subaru">Subaru XV</a>
![Subaru XV leasing](//images.ctfassets.net/1wz7s065hz5r/1kvAO8YmvPk5HS4vZVnmhN/6817beb0d1f0b5817c536d6240b11147/subaru_xv.jpg)
Subaru launches the XV e-Boxer in France. Its 2.0-litre hybrid vehicle is equipped with a four-cylinder 165 hp petrol engine. It is coupled to a 17 hp electric motor. The manufacturer offers the latest version of the Subaru in three trim levels. In all cases, this vehicle, which has very modern and sober lines to remain in the spirit of the brand, comes with four-wheel drive and a continuously variable transmission. It reduces fuel consumption by 11 percent in city driving.

- Mild hybrid
- Purchase price: from 30,040 CHF
- Lease amount: 388 CHF / month

## <a id="CHR">Toyota C HR</a>
![Toyota C HR leasing](//images.ctfassets.net/1wz7s065hz5r/5AeOEPqDyZUFi9rDRPoMBK/591f819f646e55ed1bc65ea34763d7e0/toyota-chr.jpg)
In November 2019, Toyota released a final version of its famous crossover. The latest model C HR 2.0 l has a 4-cylinder petrol engine. It is coupled to a 122 hp electric motor capable of covering 120 km in EV mode. Its hybrid engine is powerful enough to make 70% of journeys on all-electric power without having to be recharged. Aesthetically, the crossover stands out for its very dynamic lines and comprehensive equipment. The latest innovation is a power gauge instead of the traditional tachometer to ensure a smoother ride and to help drivers learn not to use the combustion engine.

- Full hybrid
- Purchase price: CHF 33,155
- Lease amount: from CHF 377 per month

## What future for hybrid cars in Switzerland?

Switzerland will put 300,000 cars on the road by 2022. Alternative forms of propulsion will increase again this year, following a record 88.6% increase in 2021. The big winners of this growth are electric cars (+157.7%) ahead of hybrids (+68.0%). In this market, the future of "plug-in" hybrid models, which can be coupled with a rechargeable battery and a diesel or petrol engine, looks very promising. This latest version of the hybrid vehicle serves as a bridge between the all-electric vehicle and the combined combustion engine and battery. This type of vehicle also allows manufacturers to preserve their production sites without having to invest in new production lines.  Although the purchase price is more expensive, the advantages of these "transition cars" are numerous and appeal to drivers looking for clean and more fuel-efficient vehicles.

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The 8 best hybrid cars for leasing: ✓ C Class combi ✓ Suzuki Swift ✓ Toyota RAV 4 ✓ Range Rover Evoque ✓ Hyundai Tucson ✓ Mazda 3 ✓ Subaru XV ✓ Toyota C HR

# The best leasable electric cars in 2020 

<a href="#renault">- Renault Zoé </a>
<a href="#hyundai">- Hyundai Kona </a>
<a href="#vw">- VW e-golf </a>
<a href="#audi">- Audi E-Tron </a>
<a href="#bmw">- BMW i3 </a>
<a href="#jaguar">- Jaguar I-Pace </a>
<a href="#tesla">- Tesla S </a>
![Electric cars](//images.ctfassets.net/1wz7s065hz5r/O3k9yqv6FNuq8Siq3a3vY/e691b6910abb9396f9784b0ea1f6e847/electric-car-leasing.jpg)

## The electric car market in Switzerland in 2020 

Even if sales do not yet account for a significant share of the market, their development shows that the electric car is on the upswing. According to a study by Auto Suisse, its market share in Switzerland will reach 5% in 2019. Attitudes are changing and the environmental impact of cars is on everyone's lips. 
These changes have a direct impact on the sales strategy of manufacturers, who no longer hesitate to get out of SUVs and sedans. For the first time, Volkswagen has set up a complete assembly line for the production of the VW ID3 at its Zwickau plant in Germany. It is expected that 100,000 vehicles will be produced in 2020 and 330,000 in 2021. In response to the demand from motorists, manufacturers are increasingly focusing their efforts on autonomous cars, although the average driving distance in Switzerland with an electric car is estimated at 40 km.

Here is an overview of the performance of the most popular electric cars in 2020 and their price to lease them.

[Leasing an electric car or not? ](https://gowago.ch/en/blog/leasing-electric)

## <a id="renault">Renault Zoé</a>
![Electric cars Renault Zoé](//images.ctfassets.net/1wz7s065hz5r/5NnUOdfp1umft8p9QDRT3V/9fa86d205ec3b4fc1184e78f1dce2086/Renault_Zo___leasing.jpg)

The Renault Zoé is one of the pioneer electric cars. The latest version released in autumn 2019 has been completely revised. Its interior layout and equipment, with three types of finishes, make it a city car focused on driving pleasure. Renault's small electric car comes in two power levels (108 and 135 hp) and can be fitted with 41 or 52 kWh batteries. It has a range of 398 km (WLTP).

- __Fast charge (50kW DC):__ 1h
- __Wallbox (11 kW):__ 4h30
- __Charging time on 220 V socket (domestic):__ 29h
- __Price:__ from CHF 25'900
- __Lease amount:__ from 485 CHF/month

[Discover all our models of Renault Zoé](https://gowago.ch/en/deals/leasing?make[0]=renault&model=zoe)

## <a id="hyundai">Hyundai Kona</a>
![Electric cars Hyundai Kona](//images.ctfassets.net/1wz7s065hz5r/6N6WiBaQuBqz9XKDmWiGIW/a989555ea42c9f1e4439a1fb51c620d2/29778881037_0cb630d7c8_b.jpg)

Hyundai is offering its city car, well known to small car enthusiasts. The car is available in two electric versions. The "Long Range" is sold with a 64 kWh battery pack, offering a range of 482 km on the WLTP cycle.  And the basic version, equipped with a 39.2 kWh battery pack, promising a range of 312 km. The engine of both versions limits the speed to 167 km/h. The battery is guaranteed for 200,000 km or 8 years. A very exciting model with a great price to mileage ratio.

- __Fast charge (50kW DC):__ 1h
- __Wallbox (11 kW):__ 7h30 
- __Price:__ from CHF 39’990
- __Lease price:__ from CHF 471/month

[Discover all our Hyundai Kona models](https://gowago.ch/en/deals/leasing?make[0]=hyundai&model=kona)

## <a id="vw">VW e-golf</a>
![Electric cars VW Golf](//images.ctfassets.net/1wz7s065hz5r/9n52MnngeucybXumyzaEl/3ce0474480126d7620a9fb52010e00c8/vw-golf-leasing.jpg)

Volkswagen's cult model has gone electric. Quiet and powerful, this mid-size car with undisputed performance continues its momentum. It is powered by an 134 hp engine with a 35.8 kWh battery that promises a range of 300 km. The driver can choose between three driving modes to optimise the performance of his vehicle on the road. The VW e-golf comes with a complete driving assistance kit comprising no less than 16 different technologies to make driving even more pleasant. Its engine allows you to reach 60 km/h in 4.2 seconds and allows a top speed of 140 km/h. The 35.8 kWh battery charges between 45 minutes and 5h and comes with a type 2 cable.

- __Quick charge:__ 45 minutes for 80% of the time
- __Wallbox (11 kW):__ 5h20
- __Charging time on 220 V socket (domestic):__ 17h00 
- __Price:__ from CHF 33'950
- __Lease amount:__ from 617 CHF/month

[Discover all our VW e-golf models](https://gowago.ch/en/deals/leasing?make[0]=vw&model=e-golf)

## <a id="bmw">BMW i3</a>
![Electric Cars BMW i3](//images.ctfassets.net/1wz7s065hz5r/glN68ElGHBwmGshQ2z3UI/ea78aed6cb22de4043485b0cc1da5d1e/BMW_i3_leasing.jpg)

BMW is causing a sensation with its small electric compact car. Designed with many durable, lightweight materials and details that make the interior very functional, it has a range of 285 km with a 42.2 kWh battery, guaranteed for  160,000 km. Its top speed is 150 km/h.

- __Fast recharge (50kW DC):__ 30min (80%)
- __Wallbox (11 kW):__ 8h
- __Charging time on 220 V socket (domestic):__ 15h45
- __Price:__ from CHF 39'950
- __Lease price:__ from CHF 270/month

## <a id="audi">Audi E-Tron</a>
![Electric cars Audi E-Tron](//images.ctfassets.net/1wz7s065hz5r/63ZF8EQsHrAk3cqwcd2GbE/7c520fb429f616eda02ca48ba1c159a4/Audi_E_Tron_leasing.jpg)

Thanks to a series of improvements, the first Audi electric SUV, launched a year ago, gained 25 kilometers of range with the same battery capacity. It increased its range from 411 to 436 km in WLTP cycle with a 95 kWh battery and has all the options for a pleasant and easy driving experience. In terms of road performance, the SUV achieves 100 km in 7" seconds and a top speed limited to 190 km/h.

- __Fast charge (50kW DC):__ 2h
- __Wallbox (11 kW):__ 8h30
- __Charging time 220 V socket (domestic):__ 40h
- __Price:__ from CHF 82'600 
- __Lease amount:__ from 886 CHF/month

## <a id="jaguar">Jaguar I-Ppace</a>
![Electric cars Jaguar I-Pace](//images.ctfassets.net/1wz7s065hz5r/78zb3eVYgd3q8TVO7NN74/8e7383897f6db0ebb11effe8b8add581/Jaguar_I-Pace_IMG_0491.jpg)

The Jaguar I-Pace is the British manufacturer's first ever electric car. It was first unveiled at the Los Angeles Motor Show in 2016 and went on sale in 2018. The brand's stated ambition is to make it the first electric sports car to rival Tesla. This model halfway between SUV and sedan promises a range of 480 km on the WLTP cycle. The manufacturer offers it in four trim levels, with a price ranging from CHF 83,500 for the S trim to CHF 109,080 for the First Edition version. It is equipped with an 84 kWh battery for 394 hp and reaches 100 km in 4.8 seconds.

- __Fast charge:__ 2h (80%)
- __Wallbox (11 kW):__ 13h
- __Charging time on 220 V socket (domestic):__ 39h
- __Price: __From CHF 83’500
- __Lease amount:__ From CHF 507/month

## <a id="tesla">Tesla S</a>
![Electric cars Tesla S ](//images.ctfassets.net/1wz7s065hz5r/1xh7E5LQON0jWaacMCdwet/2d9e0af01b58ec18fb166c97726664f7/Tesla_Model_S_Japan_trimmed.jpg)

The Tesla Model S remains the benchmark for electric cars since its launch in 2012. Always one step ahead, the luxurious sedan promises a range of 610 km with a 100 kWh battery. It is equipped with new functionalities made possible by its control software. Spacious, the brand's large sedan has a very comfortable interior and a 750-litre boot. Equipped with an aluminum body, it allows itself a top speed of 200 km and climbs to 100 km/h in 2,6 seconds.

- __Charging time on a Tesla supercharger:__ 40 minutes for 80% 
- __Charging time on 220 V socket (domestic):__ 40h
- __Price:__ CHF 90’380 
- __Lease amount:__ CHF 566/month (used car)

<p style="text-align: center;"><a class="button is-primary is-medium" href="/en" style="background:#00c86c; text-decoration: none !important;"> Browse car deals </a></p>

In 2022 these are the 7 best cars for electric car leasing: ✓ Renault Zoé ✓ Hyundai Kona ✓ VW E-golf ✓ Audi E-Tron ✓ BMW i3 ✓ Jaguar I-Pace ✓ Tesla S

10 Neu- und Gebrauchtwagen für weniger als 500 CHF/Monat

The best electric car leasing in Switzerland 2022


![Leasing-Voraussetzungen in der Schweiz](//images.ctfassets.net/1wz7s065hz5r/77DRVjaHHJ2zd9g7i6HdoK/c731dc74d7f580decf29d618982225bf/test35.png)

Even if a leasing contract is not equivalent to a credit contract, leasing companies expect a certain security in advance to grant the contract. If you pay close attention to these following points, there will be nothing in the way to your new dream car. In summary, a lease in Switzerland must meet the following requirements, which are explained in the following sections:
- __Solvability check.__ In most cases, lessors require an extract from the debt collection register. This provides information on whether financial liabilities have been paid on time in the past and whether there is no debt collection against the lessee.
- __Creditworthiness.__ The lessor's bank generally requires proof that you are able to pay the instalments over the agreed period.
- __Residence in Switzerland.__ Only Swiss citizens residing in Switzerland or persons holding a B or C residence permit, valid until at least to the end of the lease term can enter into a leasing contract.

## Solvability check

The first point concerns the financial side, more precisely the creditworthiness of the lessee. In most cases, lessors require an extract from the debt collection register. This provides information on whether financial liabilities have been paid on time in the past and whether there is no debt collection against the lessee. If your debt collection register excerpt contains entries, now might be a good time to repay the outstanding liabilities. If there are still entries that have already been settled, you may be able to negotiate with the former creditors and have the entries deleted so that this does not stand in the way of your new lease. There are also providers who offer leasing contracts with a negative debt collection register extract. Here, however, you should check very carefully whether it is really a serious provider. As a general rule, the if so-called "inspection fees" are charged in advance just to check your application and regardless of whether a leasing contract is actually granted or not, you should keep your hands off it. In principle, the decision as to whether a leasing contract is granted or not lies with the leasing company and is made on a case-by-case basis. The main factor in the assessment is whether or not your monthly disposable income is sufficient for the instalment after deduction of all liabilities and living expenses.

## Creditworthiness

It is not only a clean debt collection register extract that determines whether you can be granted a leasing contract, but also the amount of your income and other liabilities. Being able to present an unlimited employment contract with a sufficient monthly salary is the best conceivable prerequisite for a positive decision. However, other sources of income such as self-employment can also be considered, whereas the receipt of unemployment benefits is usually not considered sufficient. The decisive factor here is not regularity, but the level of income. In any case, the lessor's bank will check whether you have a sufficient monthly amount available to pay the leasing instalments. It is therefore advisable to calculate in advance how much money you actually have available for a car each month. This will also help you decide which model to buy. When filling in the application form, it is essential that you provide truthful information that will stand up to scrutiny. This means that you normally have to prove to the bank that you have a regular income or that you have sufficient assets to be granted a lease. Family circumstances and any other liabilities are also taken into account.

## Further requirements

In order to lease a vehicle in Switzerland, the lessee must also have a permanent residence in Switzerland. However, not only Swiss citizens receive a leasing contract, but also temporary  B residence permits or C settlement permits entitle them to conclude a leasing contract, provided that the end date of the residence permit is after the expiry date of the leasing contract. Of course, this only applies if the above financial requirements are met.

## Alternative possibilities

There are cases where the monthly income is high enough, but the bank cannot prove this sufficiently. This is the case, for example, with self-employed persons or young entrepreneurs who are not yet in a position to submit the relevant balance sheets. In those cases, a security in the form of a down payment of an appropriate amount or a deposit of 25% of the purchase price, for example, can often be agreed with the lessor in order to get the desired leased vehicle after all.

<p style="text-align: center;"><a class="button is-primary is-medium" href="/en" style="background:#00c86c; text-decoration: none !important;"> Browse car deals </a></p>

You must meet these requirements and conditions for a car lease in Switzerland. ✓ Creditworthiness and credit check, ✓ Residence and more.

If you are thinking about leasing a car, you should consider in advance what requirements have to be fulfilled for the lessor.

Car leasing in Switzerland: requirements 


![Elektroauto leasen](//images.ctfassets.net/1wz7s065hz5r/5u9vtdUQ7QqF06GFCW9DhE/da662115518f77efff1f9ff7498c38d0/Girl_with_tesla.png)

The trend in Switzerland is clearly moving in the direction of electric cars. Anyone who decides to lease a vehicle these days should therefore consider an electric car. We present the six most popular electric cars in Switzerland.

Leasing a car is now an economical and widespread solution for acquiring a new vehicle - and this is by no means only true for companies and business people. The favorable rates and attractive terms offered by many providers make leasing an interesting alternative that is also attractive to private lessees. At the same time, the automotive market is in a state of upheaval, moving away from the [old internal combustion engine](https://gowago.ch/en/explore/fuelType/petrol) and toward the [alternative of electric cars](https://gowago.ch/en/explore/fuelType/electric). Various factors play a role in the decision pro or contra electric car. Here we offer a guide that covers the most important points:

## Advantages
- Role model function (professional and private), at the moment, one is still noticeable with an electric vehicle, that will change soon in the near future
- Proof of less or no CO2 emissions, limiting contributions to global warming
- Low environmental impact due to lubricating oil
- Less smog or noise pollution produced
- Currently exempt from the tax on fuel [(see link)](https://www.erdoel.ch/de/zahlen-fakten/wie-setzt-sich-der-benzinpreis-zusammen)  
- In various cantons, such as Thurgau, there are already subsidies of 4000 francs [(see link)](https://energie.tg.ch/hauptrubrik-2/was-wird-gefoerdert.html/860)
- Driving comfort, acceleration, slow traffic, use of braking energy
- Presence of free public parking spaces for electric vehicles with charging stations

## Drawbacks
- Driving range limited from 150 to 400 km
- Full charging duration may be lengthy
- High load on power grid due to quick-charging stations
- Unclear environmental impact of used car batteries

### Remarks
- If you lease an electric vehicle today, you won’t have to worry about the resale value and the aging of the battery.
- Comparison for commuters: 4 years times 250 days at 100 km per day = 100'000 km. Petrol 6 litres/100 km = 6,000 litres. 6'000 liters times 1.67 CHF/Liter = 10'000 CHF VS. Electricity 20 kWh/100 km = 20'000 kWh. 20'000 kWh times 0.20 CHF/kWh = 4'000 CHF

## The trend is moving towards electric cars

As more and more manufacturers are jumping on the trend of electric cars due to legal and market changes, there is now a considerable range of available models to choose from. Compared to the standard fuel engine, the advantage of leasing an electric car is that, possible renewed legislative adjustments will not have a negative effect on you and may even serve to your advantage. On the one hand, some cities, such as Basel, already offer specially designated parking spaces. This way, you can avoid the tedious search for a parking space with your e-car and recharge while shopping at the same time. You can also enjoy discounted parking fees. Depending on the canton, you may also pay less motor vehicle tax or even no tax at all. Even the automobile tax, which otherwise amounts to 4% of the vehicle price, is eliminated when driving an electric car. Leasing an electric car can therefore already be a very attractive alternative today and also offers some beneficial financial incentives.

## More and more models

As more and more manufacturers are jumping on the electric car trend due to the legal situation and the market situation, there is now quite a respectable range of available models to choose from. Compared to the internal combustion engine, the advantage of leasing an electric car is that possible renewed legislative adjustments will not have an adverse effect during the term. In this respect, you play it safe and even enjoy some advantages with your leased vehicle. For one thing, some cities, such as Basel, offer specially designated parking spaces. This means you can avoid the hassle of searching for a parking space with your e-car and recharge while you're out shopping. You also benefit from reduced parking fees. Depending on the canton, you will also pay less motor vehicle tax or even have it waived altogether. The automobile tax, which otherwise amounts to 4% of the vehicle price, is also not incurred with an electric car. Leasing an electric car can therefore already be a very attractive alternative today, which also offers some financial incentives.

## Model selection

When deciding on a leased car, model selection is of course a key consideration. Fortunately, car manufacturers have long since recognized the trend and now offer different models for every need. First of all, you should therefore narrow down which models from which manufacturer might be suitable for your own needs. The spectrum is quite wide and ranges from a nippy city model to a luxurious sedan with plenty of space and power. Here we present the six most popular models in Switzerland: 

__Tesla Model 3:__
![Tesla 3](//images.ctfassets.net/1wz7s065hz5r/5HOhq1KRycr6YmW2dLv6it/9f56749dd29ad1e9ed49ebd748d0c7fd/Tesla_Model_3.png)
- Fast charge: 30 minutes
- Wallbox: 4 hours
- Domestic socket: 21 hours
- Purchase price: from 45,000 CHF
- Leasing rate: from 437 CHF/month

__Tesla Model Y:__
![Tesla Y](//images.ctfassets.net/1wz7s065hz5r/5CSwjEpOACWRQVjU0UGqJe/fbf908f06c6d5a388a78c94b66964fc9/Tesla_Model_Y.png)
- Fast charging: 30 minutes
- Wallbox: 6 hours
- Household socket: 28 hours
- Purchase price: from 64'000 CHF
- Leasing rate: from 640 CHF/month

__[Audi e-tron](https://gowago.ch/en/explore/audi/e-tron):__
![Audi Q4](//images.ctfassets.net/1wz7s065hz5r/2WwJdpnOyVS246YpZvecfa/af8d75238bad4d454c4358a736e2e6bc/audi_q4_etron.png)
- Fast charging: 50 minutes
- Wallbox: 6 hours
- Household socket: 29 hours
- Purchase price: from 48'000 CHF
- Leasing rate: from 823 CHF/month

__[Skoda Enyaq](https://gowago.ch/en/explore/skoda/enyaq-iv):__
![Skoda Enyaq](//images.ctfassets.net/1wz7s065hz5r/66hw8DOKS5EthoNjQoGzTB/77045ee127deb71ceaf8e92ca6ee6188/skoda_enyaq.png)
- Fast charging: 90 minutes
- Wallbox: 6 hours
- Household socket: 19 hours
- Purchase price: from 45'000 CHF
- Leasing rate: from 582 CHF/month

__[Hyundai ioniq 5](https://gowago.ch/en/explore/hyundai/ioniq-5):__
![Hyundai ioniq 5](//images.ctfassets.net/1wz7s065hz5r/6C0z1SUbieE1Sy0HCbfYK5/83bb4fcfdea000ed321f03489b0fac03/hyundai_iconiq_5.png)
- Fast charging: 30 minutes
- Wallbox: 4 hours
- Household socket: 20 hours
- Purchase price: from 46'000 CHF
- Leasing rate: from 529 CHF/month

__[Fiat 500 Electric](https://gowago.ch/en/explore?canton=UR&fuelType[0]=electric&make[0]=fiat&model[0]=500&sorting=popularity):__
![Fiat 500 elektrisch](//images.ctfassets.net/1wz7s065hz5r/6etkGdQrXtXSblwMFZmdrJ/cbc2894fd27c47dd696fe44a5d28f741/fiat_500-01.png)
- Fast charging: 40 minutes
- Wallbox: 4.5 hours
- Household socket: 15 hours
- Purchase price: from 32'000 CHF/month
- Leasing rate: from 214 CHF/month 

## Subsidy - also for the leasing vehicle 

Another plus point for the electric car is the government subsidy, which also applies if the car is leased and not purchased. Switzerland has set itself the goal of 15% of newly registered vehicles being electric by 2022 and has therefore set up some attractive incentives. This package of measures is called the ["Roadmap 2022"](https://thedriven.io/wp-content/uploads/2019/04/55164.fr_.en_.pdf). The goal is to boost the economic attractiveness of electric cars in order to achieve a higher market share. The exact amount of the subsidy depends on the place of residence, as the respective canton decides here whether subsidies are granted and up to what amounts. There is no rebate on the purchase price, but depending on the canton, you can enjoy attractive tax breaks. As things stand, the subsidy applies to the purchase or lease of a new electric car. When purchasing an electric car, the import tax of currently 4% of the purchase price is also waived throughout Switzerland.

## Economic efficiency

The demand for electric cars is increasing not only due to the subsidy, but also due to the general trend of environmentally conscious driving. Due to this higher demand, the purchase price for a new car has dropped significantly in recent years. If one considers not only the purchase price or the leasing rate, but the entire cost package including tax and maintenance, and calculates with a sharp pencil, electric cars are not necessarily more expensive today than comparable vehicles with combustion engines; in many cases, they are sometimes already cheaper. In the coming years, this ratio is expected to shift further in favor of electric cars as fossil fuel prices rise. Customer service and repairs are also easier to perform at longer intervals on an electric car with far fewer parts to maintain. Depending on the lease agreement, this can also be an advantage financially. As far as operating costs are concerned, electric cars powered by electricity are already cheaper to run than vehicles with fuel engines. Electric motors also require fewer operating fluids such as oils and coolants than internal combustion engines. The component that makes the biggest financial impact on the maintenance of an electric car is the batteries. Replacing batteries is comparatively expensive. However, manufacturers are working to reduce this cost through new technologies, improved charge cycles and cheaper manufacturing, so it is expected that this item will be somewhat less costly in the future.
Development focuses on electric - Conventional motors are hardly being developed any further
This point is especially important for car enthusiasts, with all vehicle owners benefiting from technological advancements. In fact, the course is now clearly set for the electric car. If you follow the news from the industry, it becomes clear that the good old combustion engine will be obsolete at some point in the near future. This naturally means that manufacturers prefer to focus their research and development budgets on more promising products and technologies. So anyone who attaches importance to taking advantage of technical innovations and always staying up to date will not be able to avoid the electric car. Already today, driving behavior, performance and range are drastically improved when compared with the initial models. It can be assumed that this trend will continue, leading to further improvements in range and possibly to further technical innovations. If we look analogously at the development of the gasoline and diesel engine over the last 100 years, this certainly promises some exciting developments with regard to electric cars that we can only guess at today. So, on the whole, if you want to stay at the cutting edge of technology, go electric. As far as the internal combustion engine is concerned, on the other hand, we can assume that the further development that has taken place so far in terms of performance, consumption and economy has now come to an end. At the same time, this also means that those who are still rather skeptical about the electric car today will soon run out of arguments, because work is being done feverishly on the problems that still exist in some areas, such as the lack of charging options and the short range. It is to be expected that these hurdles will be overcome across the board. However, it is worth giving this point in particular some careful thought. After all, further technical development can also lead to models available today becoming technically obsolete quite quickly, which would result in a more rapid decline in value.

## Environmental protection

Among car drivers today, there is a growing awareness of the need to drive in a way that is as environmentally friendly as possible. However, the debate about diesel vehicles and the current production of batteries for electric vehicles shows that we need to take a closer look. The production of batteries is very resource-intensive, and some experts have expressed doubts as to whether the mass production of electric cars can really solve the energy problems and CO2 issue. In addition, there is the sporadically high demand for electricity to charge electric cars, which could overwhelm some local grids as the technology becomes more widespread. In turn, some scientists condemn the debate about the harmfulness of diesel vehicles as exaggerated or even incorrect. The fact remains, however, that fossil fuels are an increasingly scarce and expensive resource, so it's worth considering whether it's worth investing in electric technology today, especially given the current subsidies.

## Suitability for everyday use - assessing one's own situation

However, the advantages mentioned above can also prove to be a disadvantage in individual cases. It is not possible to install a private charging station at home in every situation. And those who are on the road a lot have to plan longer standing times for recharging, which is also not always feasible. Therefore, an electric car as a first vehicle that is used a lot and needs to be ready to drive all the time may not be the right choice at this point in time. Therefore, weigh well whether an electric car is a feasible solution at this time and in your situation. Ultimately, it is a case-by-case decision and we hope to have presented the most important pro and con points in this article to make such a decision easier.

<p style="text-align: center;"><a class="button is-primary is-medium" href="https://gowago.ch/en/explore/fuelType/electric" style="background:#00c86c; text-decoration: none !important;">Browse electric car leasing</a></p>

Find out now if leasing an electric car is right for you and choose one from more than 500 electric car deals.

Today, anyone deciding to lease a vehicle should consider whether an electric car is the right alternative.

Electric car leasing in Switzerland: tips and offers 

![pexels-photo-802024](//images.ctfassets.net/1wz7s065hz5r/1UAKAC6VqEgO2a0WW2Y2oi/a10f889d5f71888527cddf634faec28a/pexels-photo-802024.jpeg)

Have you ever been driving around and see this beautiful, huge billboards showing a new premium caradvertising with a leasing price at the price of an internet abo? You’re not alone. Hundreds of thousands of people did as well. However, have you ever questioned the nature of that price? [gowago.ch](https://gowago.ch/en "Gowago Home") helps you take a closer look at these ads and expose what you need to carefully look at not to be mislead.

## 1. The 0% leasing trick

One of the biggest tricks in the industry is the 0% leasing. People are very interested in 0% interest rates because on the paper it sounds great. Like free money lended. However when you [understand how leasing a new car work](https://gowago.ch/en/content/why-leasing), you will see that one of the biggest factor for your wallet is not the interest rate itself, but the residual value of the car. Therefore, manufacturers can manipulate the residual values of cars to higher the mensuality whilst lowering the interest rate. As a result, you have a big 0% leasing you can advertise, but not a positive impact on your wallet.

## 2. Show one car, price another

A classic game that car ads like to play is showing the most checked out, fully loaded, top trim level of a model but advertising it for the price of the base model. In reality, the prices can differ by thousands of franks. When shopping, you should review the engine and equipment included within each new car deal and buy only features you know you need. Automakers usually equip one version of a car model at a strategic price so they can present an affordable-sounding figure. However some dealers may order relatively few of these cars because in the end, buyers actually want to buy more fully featured cars. So lots of times, even if you wanted to buy the car that you saw on the advertising, those cars might be limited in stock.

## 3. Big up-front leasing payments

Do you know that theoretically speaking you could get a Rolls-Royce for CHF199 per month if you paid a high enough down-payment? Downpayment is a leasing term for the amount of money you pay up front to cruise off the lot, the first monthly payment. High down payments make sense when you’ll eventually own the car, but when leasing a car, it’s the opposite. gowago.ch recommends a downpayment that doesn’t exceed 20% of the value of the car. Your monthly lease payment will be higher, but you’ll preserve your savings. From what we hear from our recommended dealers, more and more people are going for a CHF 0 down payment.

## 4. Beware of the mileage

A low payment doesn't necessarily mean you're getting more. You need to understand the value of mileage packages before you race down to the dealership. The difference between a lease calculated at 10,000 km per year and 15,000 km per year can be up to CHF50 a month. Most of advertising will showcase a price using the lowest mileage because obviously it’s the way to go for best leasing price.

One of the most important value for [gowago.ch](https://gowago.ch/en "Gowago Home") is the transparency. Use gowago.ch to get a right estimation of your monthly payment
- We takes for estimations an average leasing rate of 4.7%
- We recommend a default downpayment of 15% and don’t allow more than 50% downpayment in our leasing calculator tool
- Each vehicle deals will show the right equipment attached to the listing item, so you can review the car features that is priced correctly.
- We allow you to select the right mileage that fits your needs to the price reflects already the impact of your true usage.

As gowago.ch's values are transparency and simplicity, we fight all the leasing ad tricks to provide you the safest car buying experience. So don’t hesitate one second, [browse the best new car leasing deals](https://gowago.ch/en) in Switzerland and find the right car, at the right price at the right dealership on gowago.ch!

<p style="text-align: center;"><a class="button is-primary is-medium" href="/en" style="background:#00c86c; text-decoration: none !important;"> Browse car deals </a></p>

4 ways to determine how car leasing advertisers can fool you. Make the right decision and expand your knowledge about car leasing.

 We’ve read the little lines of these advertising to expose the marketing tricks so you don’t have to.

Avoid these 4 tricks in auto lease advertising 

![rsz 2android-wallpaper-artistic-asphalt-799443](//images.ctfassets.net/1wz7s065hz5r/5hU2xuiD1CqEkymgsW6YAA/99ae0711b3ce4112f7d1dc29adb46a53/Leasing-mistakes.png)

## 1. Not understanding how leasing works

Thanks to gowago.ch, finding a leasing is as easy as child’s play. However, leasing entails some knowledge about its structure and what it represents. We give a guide on why leasing [here](https://gowago.ch/en/blog/why-leasing "Why leasing"). [To learn more about the different kinds of leasing, we have compiled an overview article for you about the different leasing variants and which companies offer them. ](https://gowago.ch/en/blog/ueberblick-leasing-schweiz "Which kinds of leasing are there and who offers them?")

Here’s a digest and an example on how leasing calculation works. The monthly payments comprise of interest and a principal. The principal or the actual payment for the car is based on the value of depreciation for each specific vehicle over time. Let’s take a [Skoda Octavia](https://gowago.ch/en/explore/skoda/octavia "Gowago Skoda Octavia"). So the manufacturer’s suggested retail price, or MSRP, of this car is CHF 27,880 for the most economic version. After 48 months (a typical length for a car lease), the car will be worth around CHF 4,000. Without interest, each monthly payment would then be (27’880-4’000)/48= CHF 580 to accommodate the amount of depreciation this vehicle experiences, which happens to be very low in this case. As Skoda is a popular model in Switzerland, it holds its value quite well even after three years. This calculation has been made with a 0% interest rate and 0% downpayment.

Be sure to choose your vehicle wisely and realize that sometimes a better vehicle isn’t necessarily more expensive to lease, it will all depend on the residual value and is tied to the market demand and it depends if you own the car after. In Switzerland, looking at the number of premium cars on the road it won’t be surprising to see a [Nissan Juke](https://gowago.ch/en/explore/nissan/juke) at the same leasing price as a well equipped [Audi A3](https://gowago.ch/en/explore/audi/a3).

__One of the biggest mistakes in leasing is underestimating the residual values__, which are in fact the biggest factor on the monthly price for your new car. Research vehicles and their values before making a decision on which one to lease.

## 2. Underestimating your Mileage

When starting a lease, the amount of miles the client will put on the car is predetermined. Most of the time, dealers will suggest anything from 10,000 to 20,000 km per year. If that’s how much a client drives, excellent. If that’s not the case, you need to change your mileage before signing the contract. After your signature, you will have to stick to the mileage. Really think about how many km you drive a year because if you sign up for 10,000 km a year and end up using, let’s say, 15,000 km, dealers could charge up to CHF 0.30 per exceeding km which would be a whopping CHF 1’500 more each year of the lease. Some dealers might even charge you one franc per kilometre. It is much less expensive to purchase extra km package beforehand. Just remember to be reasonable. For information, the usual swiss citizen drives around 30km per day, meaning around 10000 km per year. However, don’t commit to 10000 km a year as a new year’s resolution, for example. It’ll cost you in the end. Be sure to ask about this before signing anything. Negotiate!

## 3. Backing out of the lease term early 

Each lease has a different way to deal with early termination, but none of them are friendly. __If you commit to 3 or 4 years, really commit to it__. For example, some companies will demand that you pay the remainder of the monthly payments immediately upon termination. On top of that, many also add on a fee of at least CHF1000. Essentially, you have to pay the remainder of the depreciation costs anyway, so you might as well just continue to lease the car. There’s really no good alternative whatsoever besides buying the car cash early from the dealer - but even here, a penalty fee could be coming your way, depending on the leasing company.

## 4. Leasing for too long

Most new vehicles have a manufacturer’s warranty that lasts between 3 and 4 years. Coincidentally, most lease terms should last between 3 and 4 years. The last thing you want to be doing is paying for maintenance past the warranty on a vehicle you don’t own. __There’s very little reason to lease a vehicle longer than 4 years__. That’s also one of the benefits of leasing; you constantly upgrade to a new vehicle. If you really want to be in a car long term, just buy a car with a private auto credit.

## 5. Not knowing your credit score

Unlike in the U.S.A where credit scores are tied to your social security number, in Switzerland you don’t have a universal, legal credit score. However, banks rely on personal data and statistics that can influence your credit and thus the price you will get for the car, or even in extreme case if you can get a leasing at all. A couple of factors influence heavily this score and the most important of them is if you’re a good payer. If you have pursuite you may be in trouble to get a leasing for example. However, some people underestimate that they can have a middle-range score just because they changed addresses a couple of times in a short timing or if they have an old unpaid bill they forgot about years ago. To be sure to be in the green, try to run a private CRIF check, as they will allow you to get your score and recommendations to improve it. [See here](https://www.crif.ch/en/consumers-area/self-assessment/ "CRIF check").

## 6. Not maintaining the car during the lease term

After you’ve established and negotiated the fine print, make sure to keep up with it. It’s easy to have a car for two years and let a few things go, but that will cost you in the end. The dealer may not explain just how expensive it is when there are little scratches, little dents, etc., so ask before. Often, it’s less expensive to simply repair the small things yourself. Usually, if the scratch or ding is a couple of centimeters or less, that’s considered normal wear and tear, but always make sure to know beforehand.

## 7. A too large downpayment

There’s too much risk involved with paying a large down payment. Let’s say, for example, that the new vehicle is stolen or totaled within the first few months. The dealership would be reimbursed for the damages, and while the consumer would not be liable for those damages, it’s entirely possible that the consumer would not be reimbursed for the down payment.
So what should you pay for a down payment? Well, it’s frequently possible to put zero down payment on a lease, and we see more and more of this in Switzerland. This isn’t always possible and can sometimes make the monthly payments a little more expensive, so the recommendation of Gowago.ch is to go for 15% of the car down.

## 8. Buy unnecessary options

Simply put, in the automotive purchasing process you will always be tempted to buy the best, the most equipped cars. Car salesmen have an interest in selling you the most expensive car, so think twice if you really need that option in particular. Therefore, be sure to use the smart filters on gowago.ch inventory finder to find the car that fits your needs, not the dealer’s.

## 9. Buying your leased vehicle at the end of the lease

This isn’t necessarily bad, but it definitely can be. __Most often, the value of the car at the end of the lease term will have already been decided when first starting the lease - the so-called residual value__. If the car is well taken care of, then yes, it could be in your interest to purchase the vehicle. On the other hand, once you purchase the vehicle after 3 or 4 years, that vehicle is probably no longer under warranty and you’ll be paying for any maintenance that happens after. It’s possible to purchase an extended warranty, but it may be in your interest to simply lease another vehicle. [Some other tips to help you return your lease smoothly] (https://gowago.ch/en/content/leasing-handover).

## 10. Not being (well) prepared before entering the dealership

The power of the internet is to make information accessible to everyone. Therefore consumers are more and more prepared when they are interested in a product, sometimes they know even more things than the dealership tehmselves. However when we take a look at the list above, on top of everything regarding the model selection that is right for you, there is a lot to know before being confident enough to walk through the door of the dealership. We developed gowago.ch for this exact reason, to make information affordable and easy to everyone, regardless the level of prior knowledge. Browse [gowago.ch](https://gowago.ch/en "Gowago home") to be sure you have the right information and plan to visit one or a couple of dealerships full of confidence when you finally pass that door.


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---

Be sure to check our other articles to become a real car leasing expert for your next new dream car.

<p style="text-align: center;"><a class="button is-primary is-medium" href="/en" style="background:#00c86c; text-decoration: none !important;"> Browse car deals </a></p>

Leasing for 3 or 4 years? Which residual value? Buying a car after the leasing? Find out now which 10 mistakes you must avoid at all costs when leasing a car.

Car leasing definitely has its ins-and-outs, and you don’t want to end up emptying out your wallet because you glossed over one tiny detail. Below are 10 car leasing mistakes to avoid when you lease a car.

10 mistakes you must avoid at all costs when leasing 

![Why leasing](//images.ctfassets.net/1wz7s065hz5r/1TPtkOfSOgmm0yIYwocGOs/dbb422f23f75b1ef221a2967fb84630b/aerial-photography-of-blue-car-on-road-1552224.jpg)

Increasingly more people are interested in leasing in Switzerland. About half of the new cars in Switzerland are leased and this number is growing. So why is this number growing and why do people lease? Lets have a closer look!

<ul class="fa-ul" style="margin-right:0rem">
  <li style="padding-left:1.5rem; padding-bottom: 1.5rem">
    <span class="fa-li"><i class="fas fa-check fa-2x"style="color:#2DBD6A"></i></span> 
    <b>New car, all the time</b><br> First of all, leasing a car means you always get to drive around in a sweet new ride. For many people, especially in Switzerland, this is an emotional boost that can’t be ignored. If you love cars and driving, this is a big perk.
  </li>
  <li style="padding-left:1.5rem; padding-bottom: 1.5rem">
    <span class="fa-li"><i class="fas fa-check fa-2x"style="color:#2DBD6A"></i></span>  
    <b>Less maintenance issues</b><br> As the car is brand new, you don’t spend often time at the garage. You return your car before these kind of problems start showing up. If you lead a very busy life, or you’re on the road a lot, this is one less stress you have to deal with.
  </li>
  <li style="padding-left:1.5rem; padding-bottom: 1.5rem">
    <span class="fa-li"><i class="fas fa-check fa-2x"style="color:#2DBD6A"></i></span>
    <b>"Afford” a nicer car</b><br> If you’ve ever wondered how it is that so many people can afford to drive BMWs and Range Rovers, then wonder no more. According to dealerships, around 75% of all luxury cars are leased. Leasing allows you to “afford” a nicer car than you’d get if you had to buy it.
  </li>
  <li style="padding-left:1.5rem; padding-bottom: 1.5rem">
    <span class="fa-li"><i class="fas fa-check fa-2x"style="color:#2DBD6A"></i></span>
    <b>Few upfront costs</b><br> Speaking of costs, leasing allows you to get into a car with very few “upfront” costs. You often don’t need a down payment (or if you do, it’s fairly low)
  </li>
  <li style="padding-left:1.5rem; padding-bottom: 1.5rem">
    <span class="fa-li"><i class="fas fa-check fa-2x"style="color:#2DBD6A"></i></span>
    <b>Driving of the future</b><br> The last reason is that, in general, people don’t want to invest a large amount on their car anymore, especially young people. And why should you? When you drive the car out of the dealership, you loose 20% of your investment. This is one of the major factors why people are more interested in paying a monthly fee.
  </li>
</ul>


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If you are hesitating between financing leasing or buying, please check [our article](https://gowago.ch/en/blog/financing-leasing-buying "Financing vs. Leasing vs. Buying") on owning a car and see the pros and cons of each option.

Ready to go? [Get started](https://gowago.ch/en/explore/vehicleType/new) and apply online for the leasing of your dreams.

<p style="text-align: center;"><a class="button is-primary is-medium" href="https://gowago.ch/en/deals?sorting=popularity" style="background:#00c86c; text-decoration: none !important;"> Browse car deals </a></p>

Find out now the 5 most important reasons for leasing and the answer to the question of how many cars are leased in Switzerland. Read on now.

A more comfortable way to drive

Why did leasing become popular?

Driving a brand new car is nice but how do you decide how you own it? These days there are three basic options when acquiring a sweet new ride: buying it cash, financing, and [leasing](https://gowago.ch/en). In this article we will look at the three options and see the positive and negative points of each to make sure you make the right decision for you.
![matt-henry-59403-unsplash-for-web](//images.ctfassets.net/1wz7s065hz5r/2Bmttbo772YOkYC82kiYAG/2a6a72ee1c979facaa94f0c125ddd1c0/Leasing-financing-buying.png)

__First some facts__, about half of all new cars sold each year are leased and more and more people are interested in paying a monthly fee for their car. It is a general trend that people want more flexibility in their ownership and payments and that they dislike paying a large fee upfront whilst the value of the car drops fast. [Learn more about the perks of leasing](https://gowago.ch/en/blog/why-leasing "Why leasing").

## Financing
When [financing a car, you pay a monthly fee which covers the price of the car over time](https://www.migrosbank.ch/de/privatpersonen/hypotheken-kredite/kredite/autokredit.html). Once approved, the financing bank will transfer the amount you desire to your account with which you can use to buy the car. The car is fully owned by you and the money you owe to the bank is tax deductible. You can enter with any down-payment you want to get to the desired monthly rate. The bank is the final decider of the credit conditions based on your financial situation. Usually, the bank charges a steep interest rate (much higher than leasing) to cover the risk, around 8-10%.

![mateusz-delegacz-401912-unsplash-for-web](//images.ctfassets.net/1wz7s065hz5r/1TPtkOfSOgmm0yIYwocGOs/b72db595968f05a3b7fef4257ea29bfb/mateusz-delegacz-401912-unsplash-for-web.jpg)

## Leasing
Leasing is basically a long-term rental. Like with financing you can enter with any down-payment but unlike financing, you don’t own the car and the payments are not tax deductible. 

[If you want to see a detailed explanation of the whole leasing process, visit our blog post on how leasing works.](https://gowago.ch/en/blog/wie-funktioniert-leasing)

The big difference with financing is that with leasing, the car has a residual value set by the leasing company. You can see the residual value as an assessment by the leasing company of how much they think the car is worth after your leasing terms have ended. Popular models often have high residual values because the leasing companies believe they can sell the car easily after making your monthly payments low . Depending on the contract, you also have the option to purchase the car at this price when the leasing ends.

The big plus of leasing is that monthly rates are lower than financing because of the residual value and the process of getting the car is much faster and less complicated.

With leasing, there are different types and options for financing your vehicle on a monthly basis. [In our overview article on leasing variants in Switzerland, you can find out more about private leasing, business leasing and all-inclusive leasing. ](https://gowago.ch/en/blog/ueberblick-leasing-schweiz)

There are a few points you should be careful of when you make a lease:
* __Insurance__ - As the car is not yours you will need to obtain expensive full casco insurance.
* __Excess mileage__ - If you drive more than as set forth in the contract per year you will face an additional cost for the excess mileage.
* __Ending early__ - If you want to end your leasing early you might have to pay a big fine set by the leasing company so make sure to check the contract carefully and discuss this with your dealer.

[Explore the leasing offers of gowago.ch now. ](https://gowago.ch/de/explore)You can easily find your dream car, personalise your leasing package, and immediately checkout online. 

![matt-henry-59403-unsplash-for-web](//images.ctfassets.net/1wz7s065hz5r/2Bmttbo772YOkYC82kiYAG/115d47a490aa70e871e7b7698da88cff/matt-henry-59403-unsplash-for-web.jpg)

## Buying
Buying is the most straightforward of the three, you pay the whole amount of the car and you can drive away.

Let’s look at the three in a simple overview
<table class="table is-hoverable is-striped">
  <thead>
    <tr>
      <th style="width: 25%;"></th>
      <th style="width: 25%;">Leasing</th>
      <th style="width: 25%;">Financing</th>
      <th style="width: 25%;">Buying</th>
    </tr>
  </thead>
  <tbody>
     <tr>
       <th>Tax deductible</th>
       <td><i class="fas fa-times fa-lg" style="color:#D0021B"></td>
       <td><i class="fas fa-check fa-lg" style="color:#2DBD6A"></i></td>
       <td>*</td>
     </tr>
     <tr>
       <th >Fast process</th>
       <td><i class="fas fa-check fa-lg" style="color:#2DBD6A"></td>
       <td><i class="fas fa-times fa-lg" style="color:#D0021B"></i></td>
       <td><i class="fas fa-check fa-lg" style="color:#2DBD6A"></td>
     </tr>
     <tr>
       <th>Insurance</th>
       <td>Full Casco</td>
       <td>Any</td>
       <td>Any</td>
     </tr>
     <tr>
       <th>Owner of the car</th>
       <td>Leasing company</td>
       <td>Customer directly</td>
       <td>Customer directly</td>
     </tr>
     <tr>
       <th>Flexibility</th>
       <td>Low monthly payments but high fee for getting out</td>
       <td>High monthly payments but the car is yours</td>
       <td>-</td>
     </tr>
     <tr>
       <th>Service</th>
       <td>Obliged</td>
       <td>-</td>
       <td>-</td>
     </tr>
 </tbody>
</table>
<i>*Private motor vehicles must be declared as an asset in the tax return.</i>

## Leasing vs Financing, example of total monthly costs
We show the difference of leasing and financing based on a concret example of a [VW Polo](https://gowago.ch/en/explore/vw/polo) 1.0 TSI Comfortline.

<table class="table is-hoverable is-striped">
  <thead>
    <tr>
      <th style="width: 45%;">VW Polo 1.0 TSI Comfortline</th>
      <th style="width: 27.5%;">Leasing</th>
      <th style="width: 27.5%;">Financing</th>
    </tr>
  </thead>
  <tfoot>
      <tr>
        <th>Total savings</th>
        <th>-2'608 CHF</th>
        <th></th>
      </tr>
  </tfoot>
  <tbody>
     <tr>
       <th>Price of car</th>
       <td>25'000 CHF</td>
       <td>25'000 CHF</td>
     </tr>
     <tr>
       <th>Residual value</th>
       <td>9'000 CHF</td>
       <td>0</td>
     </tr>
     <tr>
       <th>Financing amount</th>
       <td>16'000 CHF</td>
       <td>25'000 CHF</td>
     </tr>
     <tr>
       <th>Duration in months</th>
       <td>48</td>
       <td>48</td>
     </tr>
     <tr>
       <th>Interest rate</th>
       <td>3.97%</td>
       <td>9.95%</td>
     </tr>
     <tr>
       <th>Monthly costs</th>
       <td>370 CHF</td>
       <td>628 CHF</td>
     </tr>
     <tr>
       <th>Total cost over the 48 months periode</th>
       <td>17'753 CHF</td>
       <td>30'160 CHF</td>
     </tr>
     <tr>
       <th>Total cost including the acquiring at the end</th>
       <td>26'753 CHF</td>
       <td>30'161 CHF</td>
     </tr>
     <tr>
       <th>Difference</th>
       <td>-3'408 CHF</td>
       <td></td>
     </tr>
     <tr>
       <th>Insurance *</th>
       <td>+800 CHF</td>
       <td></td>
     </tr>
 </tbody>
</table>
<i>* Insurance tend to be 200 CHF more expensive per year due to Full Casco</i>

In this example you save about 2'600 CHF over the total 48 month period. However, be careful of the hidden costs mentioned above.

Not sure what to do? Don’t hesitate to contact us for personal advice at <a href="tel:+41 44 461 13 44">+41 44 461 13 44</a> or email us at [info@gowago.ch](mailto:info@gowago.ch "Get more info"). [If you need some more information why you should lease a car instead of buying it, have a look at our "Why lease?" article](https://gowago.ch/en/blog/why-leasing "Why leasing?").

Ready to go? [Start the process](https://gowago.ch/en/deals/leasing "Get started") the process and apply online.

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