Drive with Car Credit
Get auto financing for your dream car that fits your life and needs.
Financing by
Why choose Gowago for your auto financing?
Financing your car should be easy, personalised, and fair, so that you can fully enjoy getting on the road.
With Gowago, you are choosing an online car credit with a simple and transparent process that fully adapts to your exact needs. Thanks to our exclusive partnership with Migros Bank, you are benefitting not only from maximum flexibility, but also from highly competitive interest rates, so that buying your car with a private credit becomes a liberating experience.
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Fixed Interest Rate
Gowago offers one fixed, flat interest rate that does not discriminate depending on your credit history or the price and age of your dream car. This way, you can easily compare your options between different cars and find the perfect fit.
Quick and Easy
Our fully online process is designed to save you time, nerves, and effort during your credit application. No unnecessary paperwork. No endless waiting for approvals. Just a straightforward path to your car.
Flexible Terms
Your car should fit your lifestyle, and so should your credit. You have 100% control over the duration of your auto financing plan and you choose whether you want to repay the loan over a longer or shorter period of time.
Freedom of Choice
With Gowago Car Credit, you can make almost any car yours - whether you find a brand new or used car on gowago.ch, or come across your dream car at another seller. Our financing solutions are universal and are there to support you in your purchase.
Ownership Advantage
Unlike with leasing, your car purchase with private credit gives you full ownership of the car, giving you complete control. You can modify the car however you like, are free from kilometre restrictions, and can resell it at any time. You can also choose whatever insurance type you like and are not bound to a comprehensive policy.
Transparent Credit Conditions
When applying for your car loan with Gowago to buy your car, there are no hidden fees. You have complete clarity about the car credit conditions: costs, interest rates, and repayment details of your private credit are clearly stated. No bad surprises, so you can get going with a relaxed mind.
In 3 Steps: Apply for Car Credit with Gowago
Excited about getting your next car? Applying for a car credit is simple and quick, so that you can keep that momentum and get to driving with a smile.
Find the car to love
Choose your next car from over 20’000 offers from all brands and models on gowago.ch. You can also apply for a car you found anywhere else in Switzerland.
Want a brand new car, or a classic with soul? Gowago Car Credit is universal, so you have ultimate freedom in your choice. If you aren’t sure what to go with, our advisors will support you in finding the perfect ride that matches your style.
Personalise your credit
Configure the details of your car credit and complete your online application by providing your personal and financial details.
The process is transparent, secure and straightforward, so that you always have the overview and control. You are fully supported during your application, and we provide guidance in every step.
Drive off and pay off flexibly
Time to get on the road! After your application has been approved, and we have received your upfront payment (if you chose this option), we will purchase the car for you from the dealership.
You have the freedom to pay off the loan at all times, even earlier than stipulated in the contract.
What our customers are saying
Guta R.
Super straightforward procedure and really accommodating staff. All around recommendable.
Alexandre T.
Very good service from the beginning to the end of the process, available, pleasant and very accommodating, they make every effort to arrange everything and make sure everything goes well!
Fabrice B.
Totally satisfied with gowago services and I will not hesitate to call them again for my next vehicle 👍
Dennis T.
Very good service, the whole process is very uncomplicated and the communication is also great. Very friendly and attentive staff. Have recommended it to my friends.
v Ber
Highly recommend for those who are looking for convenience and budget car leasing! Fast, efficient and professional! Very pleased with their work.
Daniel F.
Fast and efficient service, the advisors constantly answered all my questions with great sympathy and professionalism. The delivery time was respected with even a week in advance. I am fully satisfied with their service.
Severin F.
Quick and easy transaction. Everything is possible online with an online personality-check. Simple and pragmatic exchanges with a dedicated advisor.
Jukka d.L.
Wide selection of vehicles. They answered all of my questions and helped me in my search for the right, suitable vehicle.
Teko F.
Great service, my advisor is super nice and kind. It is top-class performance, no words, 10 out of 10. I recommend Gowago.
Leasing vs. Credit: What’s the Difference?
Not sure whether leasing or private credit is the best choice for you? Compare the benefits and key differences to make an informed decision.
Learn more
Find your dream car
Explore exclusive car financing offers designed to suit your budget.
Frequently asked questions
The following conditions define eligibility for car credits with Gowago:
- Age: Minimum 18 years and no older than 65 at the end of the financing period.
- Residency: Residing in Switzerland with either Swiss citizenship or visas B or C.
- Employment: Employed with a working contract. Self-employed individuals are not eligible.
- Creditworthiness: A clean history with the debt enforcement agency (Betreibungsregister) - e.g. no running debt enforcements or entries into the debt enforcement registry.
- Affordability: Sufficient funds to manage the payments of the car credit on a monthly basis.
Once you have made your final monthly payment and the car credit is fully repaid, you simply have no more outstanding debt with the bank in connection to your car.
Since private credit for car financing is not a leasing contract, there are no additional fees or return conditions—you simply keep the car.
No, an upfront payment is generally not required when taking out a private credit (personal loan) to finance a car with Gowago.
At Gowago, credit amounts are always rounded to the nearest full CHF 1,000. This means that if a car’s price is not a round number, you will need to cover the difference as an upfront payment.
How it works:
- If the car costs CHF 18,300, the credit amount will be rounded down to CHF 18,000.
- The remaining CHF 300 must be paid as an upfront payment.
- The credit amount cannot be rounded up to the next full CHF 1,000.
Apart from this detail, the necessity of an upfront payment depends on your budget preferences but also your creditworthiness.
Yes, you can pay off your car credit earlier than the stated term with Gowago. This is known as making an early repayment or prepayment. It allows you to reduce the overall interest costs by paying off the loan before the scheduled end date.
With a private car credit with Gowago, this does not incur any penalty fees or additional costs for you. Additionally, you do not pay the interest on the remaining amount of the credit you are repaying.
With Gowago, you can take out a private credit for a car for a max. of CHF 100,000. Note that this is the max. credit amount. The car you are buying with this credit can cost more than CHF 100,000. In this case, the remaining sum must be covered by yourself as an upfront payment.
Naturally, the amount of credit you are eligible for is determined by your financial situation and creditworthiness. Credit checks will be conducted in order to protect you from overindebtedness.
