![Cembra EN](//images.ctfassets.net/1wz7s065hz5r/3gedP2xiJkyzmrnlgUC0rb/a65049de95e785ecb9ab27557c12f163/Cembra_EN.jpg)

Cembra Money Bank is a conventional bank that is primarily oriented towards credit. Since it is a non-captive leasing bank, it is not tied to specific car brand names. Theoretically, any car can be leased, as long as it does not exceed a certain age and mileage. <br>
However, leasing is only one facet of Cembra's broad product range. As a result, leasing is not treated as the only priority - this is evident on the website, which offers rather little information or advice on the subject of leasing. No cars can be viewed directly on the website either, of course, due to Cembra's status as non-captive leasing financer. <br>
You always have to obtain a quote to get the actual monthly leasing rate with Cembra - despite the leasing rate calculator on the website. <br>
Cembra's interest rates are higher than those of competitors such as [AMAG Leasing](https://gowago.ch/en/blog/amag-leasing-bewertung), [Emil Frey](https://gowago.ch/en/blog/emil-frey-bewertung) or [gowago.ch](https://gowago.ch/en). The interest rates at Cembra range between 5% and 7%. There is no possibility of all-inclusive leasing. You can only take out an insurance covering the monthly rate and, independently of the monthly rate, book Cembra's in-house vehicle insurance. <br>
There are few good online reviews for Cembra. On Google Reviews, the bank scores 1.6/5 stars, on Trustpilot 1.5/5 stars - criticisms include high fees, poor customer service and lack of transparency. 
<br>
## What do we like about Cembra?

- No ties to specific car brands allows for broad choice
- Leasing rate calculator
- Choice of financing solutions (personal loan and leasing)

<br>
## What could Cembra improve?

- Interest rates are rather high at 5% - 7%.
- Poor website regarding leasing
- Quotes have to be requested via dealers, which results in a lack of transparency regarding the rates.
- Poor ratings for customer service and fees

<br>

# Positive and Negative Aspects of Cembra Leasing
<br>
<div class="table-wrapper">
<table class="table is-hoverable is-striped">
  <tbody>
   </tr>
<th align="center" width="25%"></a></th>
<th align="left" width="25%">Positive</a>
</th><th align="left" width="25%">Negative</a></th>
    </tr>
    <tr>
  <td style="text-align:center;vertical-align:middle"><b>Offers</b></td>
<td style="text-align:left;vertical-align:middle">Choice of financing solutions (personal loan and leasing)
Vehicles: Free choice of vehicle</td>
<td style="text-align:left;vertical-align:middle">Leasing: High interest rates (up to 7%), no possibility for all-inclusive leasing</td>
    </tr>
    <tr>
<td style="text-align:center;vertical-align:middle"><b>Website<b/></td>
<td style="text-align:left;vertical-align:middle">Short and concise</td>
<td style="text-align:left;vertical-align:middle">Relatively little information or advice on the procedures for leasing, etc.</td>
    </tr>
    <tr>
  <td style="text-align:center;vertical-align:middle"><b>Process</b></td>
<td style="text-align:left;vertical-align:middle">n/a</td>
<td style="text-align:left;vertical-align:middle">No guarantee on actual lease rates, requires a quote
Customer reviews quite negative</td>
    </tr>
    <tr>
<td style="text-align:center;vertical-align:middle"><b>Interest Rates<b/></td>
<td style="text-align:left;vertical-align:middle">n/a
</td>
<td style="text-align:left;vertical-align:middle">5%-7% (higher than competition)</td>
    </tr>
    <tr>
  </tbody>
</table>
</div>

<br>
<div>
  <p>
<fieldset>
	<b>Quick Tip: For whom does a leasing with Cembra make sense?</b>
	<p>As Cembra is a non-captive leasing bank, getting a leasing contract with Cembra is worth it for all those who want complete flexibility in their choice of vehicle. Found a car at a dealership? Then you can simply ask the garage whether a leasing deal with Cembra is possible. Cembra could also be worthwhile for you if you do not want an all-inclusive leasing. </p>
	</ol>
</fieldset>
</div>
<br>

# Your questions about Cembra: Answered! 
<br>

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- [Who is Cembra Money Bank?](#whoiscembramoneybank)
- [What is Cembra Leasing?](#whatiscembraleasing)
- [Which cars does Cembra offer?](#whichcarsdoescembraoffer)
- [How can I get a leasing with Cembra?](#howcanigetaleasingwithcembra)
- [What is the Cembra website like?](#whatisthecembrawebsitelike)
- [How does Cembra's leasing calculator work?](#howdoescembrasleasingcalculatorwork)
- [How do you get in touch with a Cembra advisor?](#howdoyougetintouchwithacembraadvisor)
- [What are the interest rates and monthly rates with Cembra?](#whataretheinterestratesandmonthlyrateswithcembra)
- [Does Cembra offer additional services?](#doescembraofferadditionalservices)
- [What does the payment protection insurance of Cembra include?](#whatdoesthepaymentprotectioninsuranceofcembrainclude)
- [What does Cembra's car insurance 'CarProtect' include?](#whatdoescembrascarinsurancecarprotectinclude)
- [Cembra Experiences: What are customer-ratings saying about Cembra?](#cembraexperienceswhatarecustomerratingssayingaboutcembra)
- [Cembra compared to gowago.ch](#cembracomparedtogowagoch)
- [How does Cembra do in our test?](#howdoescembradoinourtest)

## Who is Cembra Money Bank?  

Cembra Money Bank is a traditional bank headquartered in Zurich. Until its name change in 2013, Cembra was known as GE Money Bank and is a subsidiary of General Electric. The bank traces its roots to the ProKredit bank founded in 1912, which was acquired by General Electric in 1998. Since its listing on the stock exchange in 2013, the bank has gained three main shareholders: UBS Fund Management (over 5%), Credit Suisse (over 3%), Swisscanto (over 3%), and the controversial BlackRock, dubbed a shadow bank, led by billionaire Larry Fink. <br>
Cembra offers a wide range of financial services to its 1 million clients in Switzerland. These products consist of personal loans, vehicle financing, credit cards (such as the Cumulus or TCS Mastercard), insurance and investments. With the purchase of cashgate AG in 2019, Cembra acquired another credit company. 
<br>

## What is Cembra Leasing?

In its mobility financing options, Cembra offers either loans or leasing solutions for cars, motorbikes, campers or corporate fleets. As Cembra is a non-captive leasing bank, it is not tied to any specific brand and any vehicle can be leased through it. However, this is subject to the condition that the selected car is still eligible for leasing due to its age and mileage. [This applies to the private and business leasing that Cembra offers.](https://gowago.ch/en/blog/ueberblick-leasing-schweiz)

<br>

## Which cars does Cembra offer?

- [Any vehicle, which is eligible for leasing, depending on the age and mileage.](https://gowago.ch/en/explore?sorting=popularity)
- [Tesla](https://gowago.ch/en/explore/tesla)(specific leasing) 

<br>

# How can I get a leasing with Cembra?

To access a leasing offer from Cembra, one initially does not have any contact with the bank. Since Cembra only handles the financial aspect of the leasing transaction, accessing a lease with Cembra is done through a car dealership or garage operator. <br>
The process would therefore be as follows: You go to a dealership of your choice and find the car you want. After you have found the right car, you can tell the dealer that you would like to lease the car and choose Cembra as the leasing bank - just as you would request gowago.ch as a leasing solution. <br>
Of course, this is on the condition that the dealership also works with Cembra. The dealership or garage will then submit a leasing application to Cembra by filling out a form. As soon as this process is completed, you will receive an offer from Cembra. 

<br>

## What is the Cembra website like?

Since Cembra is not specialised in car trading or leasing, one cannot view cars on the website. The only information available is about the bank's various financial services. <br>
One can only find a single, but clearly constructed page containing basic information about leasing with Cembra. There are several information documents about leasing conditions, leasing fees, or power of proxy leasing available in PDF format. In addition, one can also access the "CarProtect" car insurance via a link. <br>
On cembra.ch/leasing you will also find a rather short FAQ page, where the most important questions are addressed. The leasing calculator on the site is also useful. 

<br>

## How does Cembra’s leasing calculator work?

On cembra.ch you can use the leasing calculator to estimate how much just the monthly leasing will cost you. By entering information about the vehicle (make, age, mileage, catalogue price and purchase price) and the desired leasing parameters (annual kilometres, leasing period, down payment), you get an approximation of the monthly leasing rate and the residual value. However, the results are only assumptions and have no binding force. However, the fact that only the make and not the model has to be entered raises some questions.  

<br>

## How do you get in touch with a Cembra advisor?

Although it is possible to contact a Cembra advisor either via a fee-based 0844 number or in person at a branch, this is of relatively little use. It is the responsibility of the customer to look for a vehicle and then arrange the lease through the dealership. Nevertheless, when we called Cembra, we received professional answers to all our questions. 
<br><br>

<fieldset>
	<b>Quick Tip: Quote or no Quote?</b>
	<p>With Cembra, you always need a quote before you can apply for a lease. There is no direct online checkout. The offer must be requested via a car dealership or a garage. There is no possibility to lease a vehicle directly on cembra.ch. Cembra is only the financial provider of a lease and is not involved in the process of choosing a vehicle. </p>
	</ol>
</fieldset>
<br><br>

# What are the interest rates and monthly rates with Cembra?

The nominal interest rate for leasing with Cembra is between 5% and 7%, depending on the vehicle and the leasing parameters. You only receive the official interest rate with the offer. The interest rate indicated in the leasing calculator should not be regarded as definitive. 

<br> 
# Does Cembra offer additional services? 

Cembra does not really offer any additional services that are directly linked to its leasing. However, you can add a so-called payment protection insurance to your leasing. Since Cembra also offers all customers a wide range of insurance solutions, you can also directly book the in-house vehicle insurance 'CarProtect'. <br>
There is no real all-inclusive offer. However, it might be possible that certain garages, with which you lease a car through Cembra, offer all-inclusive packages. However, this must be discussed individually with the garage in question.  

## What does the payment protection insurance of Cembra include?

In order to protect yourself against unforeseeable life events that could render payment of the leasing rate impossible, you can purchase an instalment insurance protection from Cembra. This means that you always remain solvent, come what may. 

The advantage is that you can take out this insurance with Cembra at any time - directly when signing the leasing contract or at a later stage. Age, state of health, profession and other personal affairs are not taken into account. So anyone can take out this type of insurance. 

The payment protection insurance can also be arranged for other Cembra loans. The insurance offers the following conditions: 

- Protection in the event of unemployment, illness, accident or total disability.
- The maximum monthly coverage is CHF 2,500. 
- In the event of disability, you receive the outstanding instalments up to a maximum of CHF65,000.
- Also valid if other insurances cover the new living condition.
- You receive a maximum of 9 monthly instalments per claim, and a maximum of 27 instalments during the term of the contract. 

<br>

## What does Cembra’s car insurance ‘CarProtect’ include? 

[Cembra, in cooperation with Zurich Insurance, also offers a car insurance option as part of its insurance catalogue.](https://gowago.ch/en/myservices/insurance)Although this is not coupled with leasing, it would be the obvious option when concluding a lease with Cembra. 

Apart from (fully) comprehensive insurance, which is obligatory for leased vehicles, you can also take out liability insurance, which makes sense especially for older cars financed by a personal loan. With both types of insurance, premiums do not increase after a claim, you can choose the garage yourself, and as an electric vehicle owner you save 20%. 

With comprehensive insurance, or partial comprehensive insurance, cars are protected against self-caused accidents, theft, fires, and damage caused by natural forces. In addition, the insurance also covers accidents with animals, damage caused by vandalism, marten damage and glass breakage. 

For an additional charge, you can also take out insurance for purchase price protection, roadside assistance including a replacement vehicle, and against any kind of parking damage. 

<br>
<fieldset>
	<b>Heads Up!</b>
	<p>The CarProtect insurance as well as the instalment insurance are not automatically included in the leasing with Cembra. These services must be booked additionally. Cembra does not currently offer all-inclusive solutions that combine insurance, service, maintenance, tyres, etc. in one monthly price.</p>
	</ol>
</fieldset>
<tr>
<tr>
  </tr><br>

# Cembra Experiences: What are customer-ratings saying about Cembra? 

<br>
Cembra has not listed any customer reviews on its own website. It is therefore up to the customer to find out more about the bank. In fact, you can find many reviews about the bank itself, but unfortunately only a few that deal specifically with leasing. <br>
Cembra Money Bank scores an average of 1.6 stars out of 125 Google reviews - a low rating. Customers criticize the bank for the following aspects: <br>
- Unavailability of customer service
- Long waiting times
- High fees
- Unfriendly staff
- Non-transparent fees when repaying a loan<br>
The bad reviews are both old and new - the oldest review was posted three years ago. <br>
But bad reviews are not only found on Google. On Trustpilot, Cembra achieves 1.5 stars out of 109 reviews. Complaints are made about the same points as on the Google reviews. <br>
Independent testers such as Comparis.ch, geld.ch and bonus.ch give Cembra an average rating. However, customer service and conditions are also criticised here. Above all, the very high interest rate for personal loans is criticised - Cembra also has the highest nominal interest rate for leasing compared to the competition. 

<br>

# Cembra compared to gowago.ch
<br>
<div class="table-wrapper">
<table class="table is-hoverable is-striped">
  <tbody>
   </tr>
<th align="center" width="25%"></a></th>
<th align="left" width="25%">Cembra</a>
</th><th align="left" width="25%">gowago.ch</a></th>
    </tr>
    <tr>
  <td style="text-align:center;vertical-align:middle"><b>Cars</b></td>
<td style="text-align:left;vertical-align:middle">All cars
</td>
<td style="text-align:left;vertical-align:middle">Cars of <b>every<b/> mass market manufacturer</td>
    </tr>
    <tr>
<td style="text-align:center;vertical-align:middle"><b>All-inclusive Leasing<b/></td>
<td style="text-align:left;vertical-align:middle">No</td>
<td style="text-align:left;vertical-align:middle">Yes (All-in-one)</td>
    </tr>
    <tr>
  <td style="text-align:center;vertical-align:middle"><b>Used Car Leasing</b></td>
<td style="text-align:left;vertical-align:middle">Yes</td>
<td style="text-align:left;vertical-align:middle">Yes</td>
    </tr>
    <tr>
<td style="text-align:center;vertical-align:middle"><b>Calculation of Residual Values<b/></td>
<td style="text-align:left;vertical-align:middle">Only after attaining a quote, and according to a matrix</td>
<td style="text-align:left;vertical-align:middle">Yes, immediate</td>
    </tr>
    <tr>
<td style="text-align:center;vertical-align:middle"><b>Definitive Monthly Rates</b></td>
<td style="text-align:left;vertical-align:middle">Only via Quotes</td>
<td style="text-align:left;vertical-align:middle">Immediate</td>
    </tr>
    <tr>
<td style="text-align:center;vertical-align:middle"><b>Process</b></td>
<td style="text-align:left;vertical-align:middle">Physical through dealership</td>
<td style="text-align:left;vertical-align:middle">Mostly Online</td>
    </tr>
    <tr>
<td style="text-align:center;vertical-align:middle"><b>Interest Rates</b></td>
<td style="text-align:left;vertical-align:middle">5 % - 7 %</td>
<td style="text-align:left;vertical-align:middle">always 3.99%</td>
    </tr>
    <tr>
<td style="text-align:center;vertical-align:middle"><b>Google Reviews</b></td>
<td style="text-align:left;vertical-align:middle">1.6 stars</td>
<td style="text-align:left;vertical-align:middle">4.7 stars</td>
    </tr>
    <tr>
  </tbody>
</table>
</div>
<br>

# How does Cembra do in our test? 
<br>
Cembra Money Bank is a conventional bank that is primarily focused on the credit business. Leasing is an additional service offered by this financial institution. The very first thing that shows that leasing is an ancillary service is the website, which reveals relatively little about the leasing service. <br>
There are no real guidelines or information, apart from basic advice. While the leasing rate calculator is useful for gaining a rough idea about the personal lease, the results you get do not equate to an actual quote. <br>
To actually get a quote, you should only ask Cembra directly if you already have a specific car in mind. Cembra is merely the financial backer of a lease. To get a car, you should ask the dealership where you find the car you want. The dealership will then submit a leasing application to Cembra. The advantage here, however, is that you can lease all cars that are on the Swiss market - the bank is not bound to any brand. <br>
The interest rates at Cembra are higher than at other leasing banks and range between 5% and 7%. You cannot get an all-inclusive lease with Cembra. This means that you have to pay and organise insurance, tyre changes, service, maintenance and taxes yourself. <br>
Cembra only offers an payment protection insurance in addition to the leasing, which covers the monthly payments up to CHF 2500, if you cannot afford the monthly payments due to unforeseeable circumstances such as illness, unemployment through no fault of your own, or disability. However, since Cembra offers vehicle insurance (separate from leasing), you could take out the insurance in-house. <br>
Cembra's poor online ratings and high interest rates, however, leave questions. 

<br>

#### How do we rate Cembra?

To write this review, we have looked in detail at the website and the information available there. We try to simulate as objectively as possible the experience of a potential customer in order to capture positive and negative aspects of leasing with Cembra. Inevitably, however, some subjective preferences will play a part in the evaluation. 


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Your Questions about Cembra, answered! 

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Your Questions about AMAG Leasing, answered! 

AMAG Leasing Review

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](https://gowago.ch/en/blog/cembra-leasing-bewertung "Cembra Leasing Review: Your Questions about Cembra, answered!")
- Bank now
- [gowago.ch leasing by Migros Bank](https://gowago.ch/en)
- BCGE
- Sixt-leasing
- Leaseforce
- Leaseteq

#### Leasing Banks (captive)

- [AMAG Leasing](https://gowago.ch/en/blog/amag-leasing-bewertung "AMAG Leasing Review: Your Questions about AMAG Leasing, answered!")
- [Multilease (Emil Frey)](https://gowago.ch/en/blog/emil-frey-bewertung "Emil Frey Review: Your Questions about Emil Frey, answered!")
- 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?

- 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. 


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](https://gowago.ch/en/all-in-one) from gowago.ch 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 from gowago.ch 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 2022

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

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 2022 

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).

### 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 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, 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 1.5 TSI G-Tec Style Kombi - 5 doors - 130 HP - M-automat - 38460 Fr.
- 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 2021 in Europe is the [Tesla Model 3](https://gowago.ch/en/deals?make[0]=tesla&model[0]=model-3).

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 Flexibility thanks to subscription

If additional flexibility is desired, a car [subscription](https://gowago.ch/content/abo-one "Abo One") is recommended. A car can be purchased for a shorter term (6, 12, 18 months). However, if you like the car, you can switch from the car subscription to the all-inclusive lease at any time, thereby reducing your monthly costs.

## 10. 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.

![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.

10 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 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/deals/leasing?make[0]=audi&model=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/deals/leasing?vehicleType[0]=used&postcode=1202)

## 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 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. 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 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__

<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/deals?make[0]=skoda&model[0]=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/deals?make[0]=audi&model[0]=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/deals?make[0]=tesla&model[0]=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/deals?make[0]=audi&model[0]=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/deals?make[0]=polestar&model[0]=polestar-2)
![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/deals?make[0]=kia&model[0]=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/deals?make[0]=tesla&model[0]=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/fr/deals?make[0]=bmw&model[0]=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.

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

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 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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# 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)

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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


![Auto-Leasing-Rückgabe](//images.ctfassets.net/1wz7s065hz5r/2S7xCJ6igLusktLz3almaC/9adffda6880afa1ec5c71dd42022e257/Return_a_car_lease.png)

At the end of the lease term, the leased vehicle has to be returned to the lessor, who may then charge the lessee for depreciation due to the wear. Therefore, one should not approach the return of the vehicle too recklessly and expect that everything will already be arranged by the provider. You often risk a hefty bill, but one which you can protect yourself from, if you observe a few basic rules and invest a little effort. 

## Contract clauses - What matters?

The first basic rule is very simple: You should know your leasing contract and the terms agreed upon it. In most contracts, the sum still outstanding at the end of the contract is calculated from the tabular residual value of the vehicle, taking into account extraordinary wear and tear and possible damages. This is also known as a residual value leasing. In rare cases, the mileage of the vehicle is decisive. In this case, a compensation payment is only due if the lessee exceeds the permissible mileage. In most cases, however, leasing companies offer the first option and may include the mileage restriction as an additional clause in the contract. In these cases, exceeding the permissible mileage is regarded as a reduction in value, irrespective of the condition of the vehicle.

## Determine the value of the vehicle

Since the residual value of the vehicle is calculated from various factors such as age, model, mileage, engine and condition, the layman is usually well advised to have the value of the car estimated by an independent appraiser at the time of return. On one hand, you have a counter-assessment if the lessor's assessment is less favourable. Damages that the lessor may have discovered, which were valued lower on his own appraisal or were not present, offer a good basis for negotiation in the event of disputes over certain details. On the other hand, you can consider other options before returning the car.

## Find a buyer for the car yourself

If you want to avoid the costs of returning the car, you can sell the vehicle yourself at the end of the contract. The purchase price achieved can often even be higher than the transfer fee still to be paid to the lessor. In addition to your own expert opinion, it is advisable to compare the prices for cars of comparable age and condition online. In many cases it makes sense to invest some extra time. Instead of selling the car privately, you can of course get an offer from a dealer, especially if you're thinking about leasing a car again. A new contract partner for leasing may offer you better conditions and a higher price for your vehicle if he can conclude a contract for it.

## The condition is decisive

Regardless of whether you want to return the car to your leasing provider or sell it elsewhere, it is always in your best interest to know the exact condition of the vehicle and to document it. If you have already had an expert opinion drawn up, the garage has probably already documented the vehicle with photos. If not, you should make your own photos of all parts of the car that show the condition of the paint, headlights, rims and interior.

## How are damages assessed?

This is also an important point. Not everything that appears to be a damage at first glance can be claimed as such by the leasing company. Leasing providers occasionally try to declare minor blemishes such as minor dents and fine scratches in the top coat, as damage that affects the residual value of the vehicle. It is good to know that small paint damages such as dents with a diameter of less than 2 cm are not  regarded as damage, but as normal wear and tear. These must therefore not appear as defects in your acceptance certificate. The same applies to scratches in rims or wheel covers: these are also considered normal wear. Even 10 cm long scratches on the bumper and radiator grille are considered normal wear.
Here too, however, it pays to not only clean the car thoroughly before handing it over, but also give the paint a polish. This not only enhances the car's appearance and makes it look like new, but it can also remove lighter scratches. The interior should also be clean and free of odours. In particular smokers and/or animal owners should be particularly thorough here, in order to free the vehicle of traces of cigarette smoke, ashes or hair. Dirty and/or worn floor mats will also affect the residual value, as will worn upholstery. An intensive cleaning in a specialized workshop or with a special upholstery cleaner can possibly do a good job and save a few francs.
There are also requirements for the tires with regard to their condition when they are returned. Tyres must have a tread of at least 1.6 mm. You are not obliged to return the car with a second set of tyres if it was delivered with only one set at the start of the contract.

## On return

If the return is actually due, you should consider the following points: 
- It is best to return the previously cleaned and documented vehicle in the presence of a second person and have the handover acknowledged with time and date. 
- It is important to discuss the condition of the vehicle with the lessor on the spot and have any visible damage described in detail in the handover report. 
- The length of existing scratches and the size of paint damage should be exactly listed there. 

If there are any discrepancies between you and the lessor, the handover report should also state that you do not agree with the assessment. The actual approval of the residual value of the car is carried out in the lessor's workshop. Take your time to go through any defects in detail and compare them with your own appraisal. Especially minor paint damage and scratches are not seldom listed on the return certificate, but must not be evaluated. So don't just accept the expert opinion, but check it thoroughly so that you won't be overcharged here.

## Conclusion

So if you take a little initiative on your own, you can estimate the additional costs you will incur at the end of the lease before you return the car. This provides you with a better basis for negotiation and you don't have to rely solely on the lessor's expert opinion, which sometimes contains points that can be challenged. In particular, you should pay attention to the exact recording of damages and possibly have an independent expert opinion drawn up, as this will enable you to counter any claims and better protect yourself against unforeseen costs.

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With these 6 lease return tips, you can give back your lease car worry-free and save money in the process. Learn more now!

We have put together some tips to help you return your lease smoothly - and save money too.

Returning a leased car: Tips for the return


![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 and toward the alternative of electric cars. 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 Q4:__
![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:__
![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:__
![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:__
![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.

__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, the time is now to make the change. 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. 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. Additionally, dealers often buy back any unused miles at the end of the lease term. 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 up to 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.

## 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.

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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. 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. 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. 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.

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.

![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 on leasing in particular and why it could be good for you please check it [here](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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Financing decision aid: Should I lease or buy a car in Switzerland? Learn the most important facts and benefit from the cost comparison.

Which is right for you?

Lease or buy? Tips for leasing or buying a car 

Find a better car lease | Compare Car Leasing in Switzerland | gowago.ch

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