Car Credit.
Online. Easy. Fair.

Own your car. Pay it monthly. With Gowago Car Credit.

Find the car you want. Configure your 5.9% loan. Sign online. Done.

No rushing from dealership to bank. 5.9% interest rate for everyone. And full ownership from day one.

Your Car. Your financing. In one place.

Get your Car Credit in three steps

From browsing to signing in a couple of days – not weeks. With transparent prices, a flat 5.9% interest rate for everyone, and easy digital signature.

No wasted time. No lost energy. No hidden costs.

Step 1

Find your car

Browse online. Any car, any age and mileage, from verified dealers all over Switzerland – with instantly visible monthly prices.

Choose the one you want.

Browse offers
Step 2

Set your credit terms

Digitally adapt your down payment and duration to your budget – we show you the interest costs instantly.

The price you see is the price you get. Zero hidden fees.

Calculate your budget
Step 3

Sign online

Your signature is digital – completed in 10 minutes. That's it.

No bank visits. No dealership visits. No paperwork.

Check if you are eligible
Find your next car

Why choose Gowago Car Credit?

Gowago is dealership, bank, and dedicated support all in one – so you have everything you need, right here, online.

What makes us different

The Only Online Private Credit

Maximum convenience. No need to deal with the dealership and bank separately. Do it in one go, in one place – on Gowago.

Transparent - from the first click

See credit amount, interest rate, and interest costs upfront – and adapt them to your budget. The price you see is the price you pay. No hidden fees. No surprises.

One point of contact – your dedicated advisor

Real people. That speak your language. Just a call or message away – we're simply here to assist you, not hover over you.

A Car Credit on your terms

Have 100% control over your Car Credit. You decide on the duration and down payment. Want to pay back earlier? Go ahead – no extra fees.

5.9% Private Credit – one flat interest rate

You always get our 5.9% credit interest rate – no matter your financial history, current assets, or chosen credit conditions.

Leasing vs. Car Credit: What's the difference?

Not into leasing? The Gowago Car Credit is the perfect alternative. You buy the car, fully own it, and pay monthly.

Experience full ownership without the upfront costs.

Car Credit
Leasing
Ownership
You own the car 100% from day one and keep it at the end.
You drive the car and decide in the end: Extend the lease, return the car, or make an offer to buy it.
Early termination
Pay back the loan in full any time, without extra fees – so you can sell, trade, and switch your car whenever you want.
You can terminate your contract early and return or buy out the car, but fees will apply.
The Car's Age and Mileage
Get any car and pay monthly – age and mileage don't matter.
Your car cannot be older than 7 years or have more than 150,000km at the end of the contract.
Customising the car
Your creativity has no limits. Camper conversion, tuning, colour change – you do you.
Customisation is possible – but you may need to return the car in its original condition.
Insurance
Pick any coverage model – Full casco, partial coverage, liability insurance. Your choice.
You need to take out full casco insurance in any case.
Depreciation
You bear the depreciation, as you are the full owner.
The leasing company bears the depreciation – you can just return the car at the end and that's it. More flexibility.
Taxes
Deduct the annual interest costs from your taxes and save money.
Leasing rates and interest costs cannot be deducted from your taxes.

Frequently asked questions