![Woman in gowago car](//images.ctfassets.net/1wz7s065hz5r/323kfPsmTN2cKSoJQX7ruj/b7c8b7e04b821a1b55657776875b787c/AdobeStock_213489823.jpeg)

Is buying a car a real headache for you?  Why not lease it instead? Leasing is a popular financing option amongst Swiss drivers. For an affordable monthly lease payment, you get exclusive use of your dream car for up to 60 months. At the end of your leasing term, you can either return the car or buy it at its residual value. Here are some things you need to know before you lease your next car: 

### 1. What is leasing?

Leasing is a cost-effective financial option for getting a car. The other options are paying cash upfront, getting a car loan, or entering into a long term car rental agreement also known as a car subscription. Leasing in Switzerland allows you to keep a new or used vehicle for a long term. During the term of the lease, the car belongs to the leasing bank. However, you are responsible for the care of the vehicle, such as organising necessary maintenance and tyre changes.

### 2. Leasing credit check

The leasing bank conducts a mandatory credit check to determine if the person leasing the car is capable of making the monthly repayments in accordance with the terms of the leasing agreement. In this case, the leasing company will check your ZEK and debt collection register. A negative entry in these reports indicates a bad credit score. 

### 3. Car leasing rate

The car leasing rate refers to the amount that the lessee pays to the leasing bank during the term of the leasing agreement. This rate is generally expressed as a monthly payment. It uses the car’s price, yearly mileage, the expected depreciation of the car over the lease period, and the interest rate to calculate the monthly payment.

### 4. Upfront payment for leasing

Once you sign a car leasing agreement, you need to make an initial payment at the beginning of leasing. As the lessee, you choose how much of an upfront payment to make. It offsets the overall cost of the lease, lowering your monthly leasing payment. These payments are direct debits or wire transfers to the leasing bank.

### 5. Leasing contract - What’s included?

A car leasing agreement is a legal contract binding the leasing company and the lessee during the leasing period. It includes the terms and conditions of the lease, such as the duration of the lease, leasing rate and fees, restrictions and monthly costs. A car leasing agreement, while cost-effective, can result in hefty penalties if you do not comply with the terms. That’s why when leasing a car, you should take time to understand and evaluate the terms of the leasing agreement before committing to it.

![gowago.ch auf Natel](//images.ctfassets.net/1wz7s065hz5r/5EUrfGCV2yKdfXsxCv5yuB/1912ad907bbf29af11378f9cf1d51a9c/Street_Scene_Sign_Online.jpg)

### 6. The car’s residual value

The car’s residual value is a predetermined value of the leased car at the end of the lease term. It is the price for which you can buy the car at the end of the leasing contract if you choose to. For the calculation, different factors are taken into account. The leasing contract contains a residual value table which states the value of the car at every month of the leasing period.

### 7. Lessor definition

A lessor, also known as the lease owner, is the owner of the car. In other words, the lessor receives a return on their investment while retaining ownership of the vehicle. It could be the car dealer (individual) or leasing company (legal entity) with the operating authority over the car. This party dictates the terms of use of the car and special privileges to the person leasing their car.

### 8. Lessee definition

The lessee is the person who leases the car from the lessor. The lessee has rights and obligations stipulated in the lease agreement. Among other things, the lessee must comply with the set mileage limits and have the car serviced at designated car workshops.

### 9. Trade-in for a lease

Did you know that some car dealers and leasing companies offer trade-in options you can use to pay for your car lease? If the leasing company finds your current car valuable to them, they can allow you to trade it in and knock off a significant chunk of your lease payments. In such cases, you should get a broker who can give you the highest valuation for your trade-in car.
### 10. Second-hand leasing

Second-hand leasing refers to the leasing of used cars. The procedure for used car leasing in Switzerland is the same as for a new car.

## Leasing in Switzerland

Car leasing in Switzerland is a convenient and affordable way of getting your dream car. Scrutinizing leasing offers in Switzerland, processing the trade-in, or even car leasing rate calculation is only a matter of making several clicks online. Have you decided on the car you want to lease? [Click here to check out our catalogue for a wide collection of the latest models](https://gowago.ch/en/deals "deal"), both used and new. Starting from just 310 CHF a month, gowago.ch offers you an easy and transparent approach to getting your next car fast.


Is buying a car an emotional decision for you? Why not lease it instead?

10 leasing terms you need to know before getting a car 

## 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/f5f89c5e770a0fbc4efc1d501c52bd86/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](//downloads.contentful.com/1wz7s065hz5r/6jsC7oHspn52WOnCPNwpvW/66650f331e6d1c331da05b28a71b8715/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

![Land Rover](//images.ctfassets.net/1wz7s065hz5r/3wWEegGjBnVMXjyiUOA7N0/dec327bbd85761b25224997a8d82a553/Land-rover-leasing.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. 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 12 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/deals/leasing" style="background:#00c86c; text-decoration: none !important;"> Browse car deals </a></p>

Discover all our second-hand leased vehicles. Apply directly online ✓ Large selection ✓ Personalized assistance ✓

Second-hand car leasing in Switzerland

Acquiring a modern car with the latest technology is within your reach. You are not dreaming! You can get a premium new or second-hand car in Switzerland for less than CHF 1,000 per month thanks to our leasing offer. Here is a selection of all the car models that you can obtain with the All-in-one package through gowago.ch.

## Let’s start by explaining what All-in-one is

All-in-one by gowago.ch is the easiest way to lease a car in Switzerland as all our cars include
insurance, taxes, maintenance, tires and an extended warranty in one monthly payment, saving you __time and money__. We partnered with 300 service stations across Switzerland so you get the best price and never have to drive far when your service or tyre change is due. Simply put, with gowago.ch you receive one monthly bill for your car and you never receive any surprise or yearly bills along the way. You do the driving, we do everything else. 

In this section you will find 10 cars of type SUV, crossover and roadster.

- <a href="#q2"> Audi Q2 </a>
- <a href="#x1"> BMW X1 </a>
- <a href="#clubman"> Mini Clubman </a>
- <a href="#SLC"> Mercedes SLC-Klasse </a>
- <a href="#xc40"> Volvo XC40 </a>
- <a href="#santa fe"> Hyundai Santa Fe </a>
- <a href="#X3"> BMW X3 </a>
- <a href="#e class"> Mercedes E-Klasse </a>
- <a href="#xc60"> Volvo XC60 </a>
- <a href="#q5"> Audi Q5 </a>

### <a id="q2"> Audi Q2 </a>
![Audi Q2](//images.ctfassets.net/1wz7s065hz5r/1yLZ9ACnQWW0qByn0F0cLH/703d22ccddf26d6b423cece30f0a87f1/audiQ2.jpg)
You've always dreamed of having a stylish and robust urban crossover, but your budget is rather tight? The Audi Q2 offered for less than CHF 1,000 per month on the platform meets your expectations and your needs. This car offers you a new driving experience thanks to the progressive steering, driving assistance functions and various connected services from Audi. The Audi Q2 combines aesthetics - with soft and pure lines -, comfort - thanks to a very spacious and raised interior -, a very high quality upholstery, and also sportiness. Power and dynamism are there, whether you choose a new Audi Q2 or a used Audi Q2 model.

[Discover all our latest Audi Q2 models
](https://gowago.ch/en/deals/leasing?sorting=newest&make[0]=audi&model[0]=q2&postcode=1219)
### <a id="x1"> BMW X1 </a>
![BMW X1](//images.ctfassets.net/1wz7s065hz5r/4bobXSZ1nHcfcTFDB0NpaM/43953655040dce8a8aa08524710c8e4c/BMWX1.jpg)
Design, dynamism and innovation are the characteristics that best define the BMW X1. Its sporty lines reflect the outstanding performance of the BMW Twinpower Turbo 3- and 4-cylinder engines, which have as much effect on the asphalt in an urban environment as they do on the toughest roads in the countryside. Driving convenience is not to be outdone thanks to the BMW xDrive intelligent 4-wheel drive system and state-of-the-art navigation tools, controlled from the steering wheel-mounted control console. Take advantage of all the unique benefits of a new BMW X1 or a used BMW X1 lease for less than CHF 1,000 per month.

[Discover all our latest BMW X1 models
](https://gowago.ch/en/deals/leasing?sorting=newest&make[0]=bmw&model[0]=x1&postcode=1219)
### <a id="clubman"> Mini Clubman </a> 
![Mini Clubman](//images.ctfassets.net/1wz7s065hz5r/4SjeBVul1iKYSLXOnF6tSy/dbd6e9e75823be1a42046b0cf7ee9156/miniclubamn.jpg)
Have you always had a weakness for the voluptuous curves of the Mini? You will not fail to succumb to the charm of the Mini Clubman offered in Leasing for less than 1 000 CHF/month. The Mini Clubman is the very first station wagon version of the Mini. This modern vehicle model comes with five real seats and six doors, including the famous split doors. The Mini Clubman model was designed by BMW in 2008. As a reminder, the German brand bought Mini in February 2007. The Mini Clubman has kept all the assets of the previous models, namely unequalled comfort, increased dynamism, driven by a petrol or powerful diesel engine worthy of a real BMW. Not forgetting the connected equipment accessible from the intuitive control centre. Get your new or used Mini Clubman for less than CHF 1,000 per month.

[Discover all our latest Mini Clubman models
](https://gowago.ch/en/deals/leasing?sorting=newest&make[0]=mini&model[0]=clubman&postcode=1219)
### <a id="SLC"> Mercedes SLC class </a>
![Mercedes Benz SLC](//images.ctfassets.net/1wz7s065hz5r/2GXbAw71dgE33tZEujUO8k/561f193c031546f28b4be022498d7a29/mercdesslc.jpg)
The Mercedes SLC Class stands out in the category of contemporary roadsters for less than CHF 1,000 per month with its slender silhouette and graceful stance. You're sure to make an impression with your hair in the wind in this magnificent car. The Mercedes SLC Class is AMG-branded, with an interior that is just as sumptuous as the exterior, with high-end seats , straight out of a craftsman's upholstery workshop. Its ultra-modern dashboard incorporates state-of-the-art driver assistance equipment and innovative entertainment devices. Power is no longer an issue when it comes to a Mercedes sports car. At this German manufacturer, performance goes hand in hand with safety. The Mercedes SLC class features a reinforced bodywork and innovative safety features such as Brake Assist. Find your new or used Mercedes SLC class on gowago.ch today  and meet your desires of escape, power and splendor.

[Discover all our latest Mercedes SLC class models
](https://gowago.ch/en/deals/leasing?sorting=newest&make[0]=mercedes-benz&model[0]=slc-class&postcode=1219)
### <a id="xc40"> Volvo XC40 </a>
![Volvo XC40](//images.ctfassets.net/1wz7s065hz5r/6OMwf3Ea3SkQCDBQRCIM1u/bc7c70554b06744f3dc37b8a3cd4a4a9/Volvo-XC40.jpg)
The Volvo XC40 is Europe's "European Car of the Year 2018" and is the ultimate urban crossover. This car is distinguished by its high ground clearance, raised by large wheels, giving it an imposing and graceful stance. Moreover, the Volvo XC40 is equipped with many practical features. There is plenty of storage space for all the tools inside the car, within easy reach of the driver and every passenger. The large trunk has a removable floor. The rear seat backs fold down to provide more storage space. Hands-free power tailgate opening and semi-automatic park assist enhance convenience. Swedish carmaker Volvo Cars has also struck a blow for safety, with the City Safety equipment package consisting of several sensors that activate the emergency brake if the reaction time is slow.
You can get a new Volvo XC40 or lease a used Volvo XC40 for less than CHF 1,000 per month.

[Discover our latest Volvo XC40 models
](https://gowago.ch/en/deals/leasing?sorting=newest&make[0]=volvo&model[0]=xc40&postcode=1219)

### <a id="santa fe"> Hyundai Santa Fe </a> 
![Hyundai Santa Fe](//images.ctfassets.net/1wz7s065hz5r/6kfzyKrRqUQhnKdwcEEEbY/e30f225a0228d2aa2112a14c80131f3a/santafe.jpeg)
Have you always thought that with its many assets, the Hyundai Santa Fe 2020 is well beyond your budget? Think again! You can acquire a new Hyundai Santa Fe or a pre-owned Hyundai Santa Fe on a lease for less than CHF 1,000 per month. This vehicle offers unparalleled safety with its numerous sensors that analyze the environment for the slightest unexpected obstacle, the trajectory assistance that prevents overtaking, and the frame made of ultra-resistant special steel that offers optimal protection to the vehicle's occupants. When it comes to exterior and interior design, the key words are modernity, convenience and slimness.

[Discover our latest Hyundai Santa Fe models.
](https://gowago.ch/en/deals/leasing?sorting=newest&make[0]=hyundai&model[0]=santa-fe&postcode=1219)
### <a id="X3"> BMW X3 </a>
![BMW X3](//images.ctfassets.net/1wz7s065hz5r/1hJKtZ0J6vT5u4fZHkMHMU/ede5abb8dc15094fb4f9ae9ef5d223fd/X3.jpg)
Driving a BMW X3 acquired for less than 1,000 CHF per month... Who doesn't dream of it? Browse the dedicated selection on our platform to find the new or used BMW X3 that will meet all your expectations in terms of aesthetics, convenience and power. This compact SUV is equally suitable for your daily commute in the city or for your fun-filled getaways to the countryside. The design, with its special finish characterised by the presence of distinctive elements that enhance the car's sporty yet elegant character, represents the BMW X3's first strong point. The interior is just as striking, thanks in particular to the highly contemporary lines of the dashboard, which incorporates various innovative features derived from the latest technologies. As far as driving comfort is concerned, you couldn't ask for anything better. In addition to the driving mode selector, the driver has access to various driving assistance systems that tend towards autonomous driving.

[Discover our latest BMW X3 models
](https://gowago.ch/en/deals/leasing?sorting=newest&make[0]=bmw&model[0]=x3&postcode=1219)
### <a id="e class"> Mercedes E class </a>
![Mercedes Benz E class](//images.ctfassets.net/1wz7s065hz5r/6OHXfcdxrQw2gNgktnBmfC/6f40016d625d9657acfcdd307a06edcf/mercedes_e_class.jpg)
The Mercedes E Class embodies the marvellous meeting of luxury with modernity and sportiness. Behind its sleek and pure lines lies a refined interior, with a dashboard designed with the latest technology and equipment. The German automaker has notably relied on innovative safety systems including emergency braking and remote parking assistance. Under its bonnet, the Mercedes E Class houses a real beast just waiting to be started and thrown onto the asphalt.
Whether you're looking for the comfort and performance of a sedan or T-Modell model; whether you're more in search of design and sportiness; you'll find the Mercedes E Class that's right for you among the selection of new and used Mercedes E Class models presented on gowago.ch.

[Discover our latest Mercedes E Class models
](https://gowago.ch/en/deals/leasing?sorting=newest&make[0]=mercedes-benz&model[0]=e-class&postcode=1219)
### <a id="xc60"> Volvo XC60 </a>
![Volvo XC60](//images.ctfassets.net/1wz7s065hz5r/2Zovlh1P4QNb8YgA3xXVvJ/c42b484f54ef2caa8e166ea2e49b9547/volvo-XC60.jpg)
With a bold, Scandinavian design, the Volvo XC60 combines prestige and grace. Not to mention the sumptuous interior. The Volvo XC60 has all the features of its predecessor: a spacious interior, a practical layout and state-of-the-art equipment that enhances the driving experience. Safety has been enhanced compared to the level of safety offered in the Volvo XC40. The City Safety system is coupled with an innovative tool that assists the driver by deflecting the steering when the vehicle detects an obstacle at the last moment.
Our platform has partnered with a number of professionals to offer you the Volvo XC60 on a lease basis for less than CHF 1,000 per month. So what are you waiting for? Choose a new Volvo XC60 or a pre-owned Volvo XC60 from the selection without delay.

[Discover our latest Volvo XC60 models
](https://gowago.ch/en/deals/leasing?sorting=newest&make[0]=volvo&model[0]=xc60&postcode=1219)

### <a id="q5"> Audi Q5 </a>
![Audi Q5](//images.ctfassets.net/1wz7s065hz5r/3MmqUth5W9RlfKvUBnucU2/f7310f2be7b1ba5bcd8ba4b21a8401de/Audi-Q5.jpg)
The German brand closes the ranking of the 10 modern new and used cars offered for less than CHF 1,000 per month for leasing, with the Audi Q5 model, which combines unparalleled elegance with advanced technology and optimum power. These are the strengths of the urban SUVs in the Q range of the ring brand. The Audi Q5 stands out in this line with its innovative equipment, including the driving assistance functions (city assistance, park assist, pre-sensing, etc.) integrated in all models or as an option, as well as the quattro permanent all-wheel drive system. These features offer ideal driving comfort and guarantee the safety of the driver and passengers in all circumstances and on all roads. You will truly enjoy driving a new Audi Q5 or a used Audi Q5 leased for less than CHF 1,000 per month.

[Discover our latest Audi Q5 models
](https://gowago.ch/en/deals/leasing?sorting=newest&make[0]=audi&model[0]=q5&postcode=1219)

On gowago.ch we host 1000's of offers, simply select the one you want, sign online and get the car home delivered in less than 2 weeks. 

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Choose your leasing offer from our selection of cars for less than 1000 CHF / month all inclusive. 

10 new and used cars for less than 1000 CHF / month all inclusive

![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 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__

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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 vehicles.

How to save at least CHF 10,000 on your leasing car budget


Are you looking for a modern new or used car on a tight budget? The 10 car models presented in this collection are available for less than CHF 750 per month all inclusive. Indeed, by choosing a new car or a used car on our plateform, you can benefit from our All-in-one package.

## What is All-in-one?
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, you save both time and money.

__You will find the car of your dreams for less than CHF 750 per month from this selection of contemporary SUVs, crossovers and sedans.__

- <a href="#5 doors"> Mini 5 doors </a>
- <a href="#CLA"> Mercedes Benz CLA shooting brake </a>
- <a href="#a1"> Audi A1 </a>
- <a href="#GLA"> Mercedes Benz GLA class </a>
- <a href="#A3">  Audi A3 </a>
- <a href="#c class"> Mercedes Mercedes Benz C class combi </a> 
- <a href="#kona"> Hyundai Kona </a>
- <a href="#giuletta"> Alfa Romeo Giuletta </a>
- <a href="#jeep"> Jeep Renegade </a>
- <a href="#Karoq"> Skoda Karoq </a>

### <a id="5 doors"> Mini 5 doors </a>
![Mini Cooper 5D](//images.ctfassets.net/1wz7s065hz5r/1jbZJU5f8rNiuj3r4ihlIz/a8052af051d3e252261f1c4cb840f8da/Mini_Cooper_5D.jpg)

You can obtain a new Mini 5 doors or a used Mini 5 doors for less than CHF 750 per month, on the platform, by leasing. You can thus take advantage of the many advantages of this latest generation city car with peace of mind. The Mini 5 doors differs from the older models by its much more spacious interior which makes it a modern family car. However, the car retains all the assets of the original Mini, namely: dynamism and maneuverability, plus practical and innovative features. In particular, the 5-door Mini is equipped with a lot of driver assistance and safety features, such as the display of driving information in the driver's field of vision, RTTI: real-time traffic information, MINI park assist, Bluetooth connectivity, MINI Controller Touch voice control, the central dashboard display and the sports steering wheel with its integrated multi-button control system that allows the driver to control the radio or smartphone while keeping the steering wheel in place.

[Discover our latest Mini 5 doors models](https://gowago.ch/en/deals/leasing?sorting=newest&make[0]=mini&model=5-doors&postcode=1264)

### <a id="CLA"> Mercedes CLA shooting brake </a>
![Mercedes benz CLA shooting break](//images.ctfassets.net/1wz7s065hz5r/6IRDK2ZPWUKuSETOpDlzuo/97105ae1608213b21f82e4cc84450175/taipei-101-taipei-101-skyline-cityscape-tower-outlook-asia-mercedes.jpg)
Who doesn't dream of sitting comfortably in the air-conditioned seat of his Mercedes CLA shooting brake and being able to talk to his car and say "Hey Mercedes"? Know that you are now able to make your dream come true by getting a new or second-hand Mercedes CLA shooting brake, in leasing, for less than 750 CHF per month. Take your family or friends aboard this sporty car with its spacious, luxurious, comfortable and ultra-modern interior and go conquer the big cities and major roads. You'll never experience a comparable driving sensation. The Mercedes CLA shooting brake features state-of-the-art driver assistance equipment and the latest generation of safety systems that go hand in hand with enhanced sporting performance.

[Discover our latest models of Mercedes CLA shooting break](https://gowago.ch/en/deals/leasing?sorting=newest&make[0]=mercedes-benz&model=cla-class-shooting-brake&postcode=1264)

### <a id="a1"> Audi A1 sportback </a>
![A1 Sportback](//images.ctfassets.net/1wz7s065hz5r/6UkxaIoIzoI3kwvIyJYUoZ/94c2a12c715176cc0ae02c2c2cf1fa3c/AUDIA1.jpg)
Are you looking for a car that is modern, functional and high-performance, with a reasonable budget? The Audi A1 Sportback meets your expectations. You can find a new Audi A1 Sportback or a used Audi A1 Sportback, offered for less than CHF 750 per month on our platform.
The Audi A1 belongs to the city car class and has a sporty design with a sleek appearance. Inside, the brand has opted for equipment that optimizes the driving experience and the safety of the occupants. The Audi A1 Sportback includes the Audi Pre Sense front system, which detects the slightest obstacle and triggers emergency braking. It is also equipped with Audi lane assist, which is automatically activated as soon as the car reaches a speed of 65 km/h and alerts the driver if the car veers off course.

[Discover our latest Audi A1 sportback models](https://gowago.ch/en/deals/leasing?sorting=newest&make[0]=audi&model=a1-sportback&postcode=1264)

### <a id="GLA"> Mercedes GLA class </a> 
![Mercedes Benz GLA](//images.ctfassets.net/1wz7s065hz5r/5ViWVw9AchdpW2iVQrYUI3/66419dcc895fd66a0ac5eb28bcb01c98/image__4_-min.png)
The Mercedes GLA class is available on the platform for less than CHF 750 per month. You can opt for a new or used Mercedes GLA class and enjoy the increased performance, unmatched comfort and all the technologies of the vehicle at your leisure.
This car model, equipped with the latest generation of functional and safety equipment, is particularly aimed at drivers who cannot do without their smartphone. The Mercedes GLA class is indeed equipped with the smartphone integration kit, which offers free access to all smartphone applications while remaining perfectly focused on driving. On the design side, the aggressive look takes precedence over elegance, with a distinctive grille and bumper. As far as safety is concerned, the German carmaker has opted for high-performance LED lighting, emergency braking, PRE-SAFE and parking assistance.

[Discover our latest Mercedes GLA class models](https://gowago.ch/en/deals/leasing?sorting=newest&make[0]=mercedes-benz&model=gla-class&postcode=1264)

### <a id="A3"> Audi A3 sportback </a>
![Audi - Back - Red](//images.ctfassets.net/1wz7s065hz5r/1lkRRJ7nl5QBVo63fZLm4P/83b8f686e80ebac1c73e3b9613ae83a3/audiMin.jpg)
The Audi A3 aims to be functional and powerful, with a sporty exterior design and an interior that combines comfort and technology to provide enhanced driver and passenger convenience. The Audi A3 is equipped with the MMI infotainment system with intuitive operation and voice control as well as various driver assistance features such as Audi captive cruise control and Audi parking assistance system. This model of a sedan-type car is distinguished by the very large interior space, especially the very spacious trunk. In addition, the power of the engine and the road handling are characteristics that are specific to all cars of the German Audi brand.
Get a new Audi A3 or a used Audi A3 on an all-in-one lease for less than CHF 750 per month.

[Discover our latest Audi A3 models](https://gowago.ch/de/deals/leasing?sorting=newest&make[0]=audi&model=a3-sedan&postcode=1264)

### <a id="c class"> Mercedes C class - combi </a>
![Mercedes C class combi](//images.ctfassets.net/1wz7s065hz5r/25pKko0T7r2mztg2TO6IPm/24f8a6de56175ae36bb97cdb4aa80f5a/image__5_-min.png)
Are you seduced by the graceful, clean curves of the Mercedes C class-combi? You can lease it for less than CHF 750 per month on the platform.
You will discover all the advantages of the Mercedes C class by sitting comfortably in the design leather driver's seat and taking the steering wheel. The sporty steering wheel with its integrated Touch Control buttons will amaze you from the very first moment you get to grips with it. Assistance systems and safety equipment enhance the driving experience. Mercedes-Benz Intelligent Drive, parking assistance with rear-view camera and several panoramic cameras, the trajectory tool to help you stay on course, and the mirror package provide, among other things, optimum driving comfort to accommodate the driver even on the longest journeys.
So what are you waiting for to choose your latest generation toy from the selection of new and used Mercedes C-Class Combi?

[Discover our latest Mercedes C class combi models](https://gowago.ch/en/deals/leasing?sorting=newest&make[0]=mercedes-benz&model=c-class-combi&postcode=1264)

### <a id="kona"> Hyundai Kona </a>
![Electric cars Hyundai Kona](//images.ctfassets.net/1wz7s065hz5r/6N6WiBaQuBqz9XKDmWiGIW/a989555ea42c9f1e4439a1fb51c620d2/29778881037_0cb630d7c8_b.jpg)
An urban SUV from the Korean brand Hyundai for less than 750 CHF per month! Never seen before, you might say, but truly accessible with gowago.ch. Yes, for less than 750 CHF per month, on lease, you can enjoy the great handling of a new Hyundai Kona or a used Hyundai Kona and all the equipment from the latest technologies. You will impress many people when you drive this car with its contemporary and elegant design, worthy of a crossover of the future. The interior is no less graceful and modern, as well as extremely comfortable. In addition to optimal comfort, the driver has access to a range of revolutionary tools such as head-up display and smartphone connectivity, which offers free access to several applications installed in the smartphone while remaining completely focused on steering. These features make driving smoother and therefore less stressful.
[
Discover our latest Hyundai Kona models](https://gowago.ch/en/deals/leasing?sorting=newest&make[0]=hyundai&model=kona&postcode=1264)

### <a id="giuletta"> Alfa romeo Giulietta </a>
![Alpha Romeo Giulietta - White](//images.ctfassets.net/1wz7s065hz5r/4Hq053pWjzOvxVAIopKeBz/f24d1a1a860dca5871cb20549db60754/alfaMin.png)
Opt for the grace and character of Italian style and the pleasure of driving in the city and on country roads with the Alfa romeo Giulietta. You can lease a new Alfa romeo Giulietta or a second-hand Alfa romeo Giulietta on our platform for less than CHF 750 per month.
Sporty, elegant and agile handling are reflected in the exterior design as well as in the interior of the car. In terms of functionality, the Alfa Romeo Giulietta is equipped with all the distinctive features of a modern top-of-the-range car, including cruise control, the visibility package, parking assistance consisting of speed cameras placed at the front and rear of the vehicle, and automatic air conditioning.

[Discover our latest Alfa Romeo Giuletta models](https://gowago.ch/en/deals/leasing?sorting=newest&make[0]=alfa-romeo&model=giulietta&postcode=1264)

### <a id="jeep"> Jeep Renegade </a>
![Jeep Renegade](//images.ctfassets.net/1wz7s065hz5r/11rAqEQBQTH4YDkM5pY4Fg/a5463849443843d6a45e0168af63f5f0/jeep-renegade-3_1800x1800_0.jpg)
The Jeep Renegade embodies presence, sturdiness, modernity and convenience. These characteristics set this urban SUV apart from other cars of its kind. Not to mention the practical equipment and safety features that give this vehicle more cachet. In particular, the driver can benefit from Bluetooth connectivity technology that allows him to access the basic functions of his smartphone hands-free (making and receiving calls, sending and receiving messages, etc.) and certain practical applications installed on his phone, including the navigation tool, thanks to Uconnect services. The Jeep Renegade's interior is loaded with control buttons located within easy reach of the driver.
Find your new Jeep Renegade or your pre-owned Jeep Renegade on lease for less than CHF 750 per month.

[Discover our latest Jeep Renegade models](https://gowago.ch/en/deals/leasing?sorting=newest&make[0]=jeep&model=renegade&postcode=1264)

### <a id="Karoq"> Skoda Karoq </a>
![Skoda Karoq](//images.ctfassets.net/1wz7s065hz5r/17cvga5YpSg9tlvfUpvNO1/64feab3ca6c599b5724e5e183d7dd013/image__6_-min.png)
The exterior design of the Skoda Karop inspires, at first glance, robustness and presence. This compact SUV boasts a neat aesthetic, with simple but strong lines, offering a singular character. The interior is just as sophisticated as the exterior. The equipment integrated into the driver's compartment, including the digital dashboard displaying various practical information, adds a modern touch to the vehicle and enhances driver comfort. The tinted panoramic roof ensures that all occupants can enjoy optimum comfort in all weathers. Safety is not forgotten. The Skoda Karoq is equipped with Lane Keeping Assist, Front Lane Assistant which detects obstacles that arise at the last moment and activates emergency braking to avoid a collision, Blind Spot Sensor, Traffic Jam Assist and many other revolutionary technologies.
You can lease a new Skoda Karoq or lease a used Skoda Karoq for less than CHF 750 per month.

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

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Choose your leasing offer from our selection of cars for less than 750 CHF / month all inclusive. 

10 new and used cars for less than CHF 750 per month all inclusive

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)

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

10 new and used cars for less than 500 CHF / month all inclusive

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 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/make/audi "Audi") to [Skoda](https://gowago.ch/en/explore/make/skoda "Skoda"), from [Jeep](https://gowago.ch/en/explore/make/jeep "Jeep") to [Jaguar](https://gowago.ch/en/explore/make/jaguar "Jaguar"), from [Mazda](https://gowago.ch/en/explore/make/mazda "Mazda") to [Volkswagen](https://gowago.ch/en/explore/make/vw "VW"). Find your next ride.

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

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

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

# The best leasable Hybrid cars in 2020 

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

<a href="#cclass">C Class combi</a>
<a href="#swift">Suzuki Swift</a>
<a href="#toyota">Toyota RAV 4</a>
<a href="#evoque">Range Rover Evoque</a>
<a href="#tucson">Hyundai Tucson</a>
<a href="#mazda">Mazda 3</a>
<a href="#subaru">Subaru XV</a>
<a href="#CHR">Toyota C HR</a>

![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 2020. Alternative forms of propulsion will increase again this year, following a record 88.6% increase in 2019. 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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Discover the best hybrid cars of 2020. Apply directly online ✓ Large selection ✓ Personalized assistance ✓

Top 2020 - Hybrid cars leasing 

# 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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Discover the best electric cars of 2020. Apply directly online ✓ Large selection ✓ Personalized assistance ✓

10 new and used cars for less than 500 CHF / month

Top 2020 - Electric cars leasing 


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

Return a car lease


![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 conditions, which are explained in the following sections:
- __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.

## Financial requirements

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.

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.

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If you are thinking about leasing a car, you should consider in advance what requirements have to be fulfilled for the lessor.

Leasing requirements in Switzerland


![Elektroauto leasen](//images.ctfassets.net/1wz7s065hz5r/5u9vtdUQ7QqF06GFCW9DhE/53350d6a89ee7665dc37d42e44790732/leasing-electric.png)

The leasing of a car in today’s time is an economical and widespread solution to buying a new one. This is not only true for companies and business people, but all drivers alike. Some providers offer additional customer services, which are conveniently covered by your monthly leasing payments- making your only concern, your next destination. This is one of the biggest advantages of leasing, apart from the tax advantages for company cars. At the same time, automobile manufacturers are in a state of major transition, moving away from the outdated combustion engine and towards a clean alternative, the electric car. Both the market and vehicle legislators also offer many attractive incentives for going electric. While there are many deciding factors for or against leasing an electric car, such as availability and of course the economic cost, our guide 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.

## Model selection

When deciding on a leasing car, the choice of model is of course a significant factor. Fortunately, car manufacturers have long recognized the trend and now offer different models for every need. Making it essential that you limit which models from which manufacturers are suitable for your own needs. The range is quite large and varieties such as fast city models, to luxurious limousines with ample space and performance, are widely available. Think in advance about your main purpose for the vehicle. If you live in the city, mainly drive short distances, use the vehicle for commuting to work, shopping and occasional excursions, a smaller, more compact car might make the most sense for you. Here, the very inexpensive models with driving ranges of around 100-150 km may be an option, since you will always be close to a charging station. The Mitsubishi i MiEV or the [Smart fortwo EQ](https://gowago.ch/en/explore/smart/fortwo) are good value vehicles at a low price. A family man who lives in the village, commutes and goes on holiday by car every year needs both a larger model and one with more driving range. Today, there are several models with a range of around 500 km and more powerful electric motors. The [KIA Soul](https://gowago.ch/en/explore/kia/soul-electric) or the [Hyundai IONIQ Electric](https://gowago.ch/en/explore/hyundai/ioniq), for example, are particularly powerful and offer enough space for families. In between, lies a wide range of electric cars with a medium driving range of 250-350 km at a middle price point.

[A good overview of the available electric car models can be found here.](https://gowago.ch/en/deals/leasing?fuelType[0]=electric&sorting=newest)

## Support - also available for leased vehicles.

Another plus point for the electric car is the state subsidy, which also applies if the car is leased and not bought. Switzerland has set itself the target of 15% of newly registered vehicles being electric vehicles by 2022 and has therefore introduced some attractive incentives. This platform of measures is known as ["Roadmap 2022"](https://www.newsd.admin.ch/newsd/message/attachments/55161.pdf). The aim 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 and up to what amounts the subsidies are granted. There is no reduction in the purchase price, but depending on the canton, you can benefit from attractive tax breaks. Currently, the subsidy applies to the purchase or leasing of a new electric car. When purchasing an electric car, the import tax of currently 4% of the purchase price is waived throughout Switzerland.

## Economic Efficiency 

The demand for electric cars is increasing not only as a result of subsidies, but also in line with the general trend towards environmentally conscious driving. As a result of this higher demand, the purchase price of a new car has fallen significantly in recent years. If one considers not only the purchase price or the leasing rate, but also the entire cost package including tax and maintenance, electric cars are not necessarily more expensive, in many cases they are already cheaper. In the coming years, this ratio is expected to shift further in favor of electric cars, as prices for fossil fuels will rise. Customer service and repairs are also easier and more frequent for an electric car with significantly fewer parts to service. Depending on the leasing contract, this can also be a financial advantage. As far as operating costs, electric cars, by nature of running on electricity are already cheaper than vehicles with a fuel engine. Electric motors also require fewer resources such as oils and coolants compared to fuel engines. The component that has the most financial impact on the maintenance of an electric car is the battery. Replacing batteries is comparatively expensive. However, manufacturers are working to reduce these costs through new technologies, such as, improved charging cycles and lower manufacturing costs, so this item is expected to be slightly less costly in the future.

## Development focuses on electric motors - conventional motors are hardly developed any further

This point is especially important for car enthusiasts, where all car owners benefit from the technical development. In fact, the course is now clearly set for the electric car. If you follow the industry's reports, it becomes clear that the good old internal combustion engine will be out of service sometime in the near future. Of course, this means that manufacturers prefer to concentrate their research and development budgets on more promising products and technologies, like the electric car. So anyone who attaches importance to using technical innovations and keeping up to date cannot avoid the electric car, because further development will take place in this sector. Driving behavior, performance and range are already drastically improved today if you compare this with the initial models. It can be assumed that this trend will continue, leading to a further improvement in range and possibly further technical innovations. Systems that convert braking energy into electrical energy are already under development. If you look at the development of gasoline and diesel engines over the last 100 years in the same way, electric cars certainly promise some exciting developments. So, on the whole, if you want to stay at the cutting edge of technology, you're going to drive an electric car. As far as the combustion engine is concerned, it can be assumed that further development in terms of performance, consumption and economy has now reached its peak. At the same time, this also means that those who are still rather skeptical about the electric car will soon run out of arguments, due to the feverish work being done on existing problem areas, such as the lack of charging facilities and short range, but it is to be expected that these hurdles will be overcome across the board. However, it is worthwhile to think carefully about this point in particular. Technical development can also mean that models available today are outdated quite quickly, which would result in a more rapid decline in value.

## Environmental protection

There is a growing awareness among car drivers today that driving should be  environmentally friendly as possible. However, the recent debate about diesel vehicles and the current production of batteries for electric vehicles shows that a closer look is needed. The production of batteries is very resource-intensive and some experts are doubtful whether the provision of electric cars in masses can really solve the energy problems and reduce high CO2 emissions. In addition, there is the occasional high demand for electricity for charging electric cars, which could overburden some local networks if the technology becomes more and more established. In return, some scientists condemn the debate about the harmfulness of diesel vehicles as excessive or even incorrect. The fact remains, however, that fossil fuels are an increasingly scarce and expensive resource. Therefore, it is worth considering whether investing in a more promising technology today will advantageous, especially in view of the current subsidies.

## Suitability for everyday use - assessing one's own situation

However, the above-mentioned advantages may also prove to be a disadvantage in individual cases. The possibility for every individual to install a private charging station at home is unrealistic and if you travel a lot, you have to plan for longer standing times for recharging, which also not feasible. This makes an electric car a suboptimal choice for those who will use it as a primary vehicle. For occasional shorter journeys with long interruptions, which can be used to charge the batteries, it can be a good alternative instead. Therefore, consider whether an electric car is a viable solution at this time and in your situation. Ultimately, it is a case-by-case decision and we hope to have outlined the main points of pros and cons in this article to make such a decision easier.

## Conclusion - Weighing up well and considering your own situation

In summary, it can be said that some can already benefit from leasing an electric vehicle today, while others may need to wait a little longer. The decision depends on several factors. Those who have no reservations about the technical requirements, such as the charging possibilities available, and who find a suitable car with sufficient range among the offered models, can save substantially through subsidies for their purchase. Remember that this also applies to leased vehicles, through tax reliefs and special electricity contracts. Drivers may also have access to many areas in inner cities that are closed to conventional car traffic. If, on the other hand, you drive longer distances several times a day and would constantly reach the limit of your range, you might want to wait a little longer, especially since the network of charging stations is still under construction. If the infrastructure for recharging and the technology and range of the vehicles improve over the next few years, this may be the better time to buy an electric car without having to make too many compromises in practical handling. Until then, some suppliers will also offer favorable conditions for the purchase of a new model with a combustion engine.

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Today, anyone deciding to lease a vehicle should consider whether an electric car is the right alternative.

Leasing an electric car, yes or no?

![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/explore?vehicleType=new) in Switzerland and find the right car, at the right price at the right dealership on gowago.ch!

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4 ways to determine how car leasing advertisers can fool customers. Read this article to increase your knowledge on car leasing and gain confidence in your car buying process!

 We’ve read the little lines of these advertising to expose the marketing tricks so you don’t have to.

4 ways car leasing ads can fool you

![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").

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.

<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>

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. We present 10 car leasing mistakes to avoid when you lease 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 to avoid when you lease a new car

![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="/en/deals/leasing" style="background:#00c86c; text-decoration: none !important;"> Browse car deals </a></p>

Why are people leasing? What you need to know about leasing

A more comfortable way to drive

Why leasing?

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/deals/leasing?make[0]=vw&model=polo "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.

<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>


Which is right for you?-  Financing vs. Leasing vs. Buying

Which is right for you?

Financing vs. Leasing vs. Buying

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

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