Car Loan
Are you looking for a reliable, flexible financing solution with attractive terms for purchasing a car? A vehicle loan might be the ideal financing option for you.
Are you looking for a reliable, flexible financing solution with attractive terms for purchasing a car? A vehicle loan might be the ideal financing option for you.
A car loan essentially works like a standard personal loan but is specifically designed for vehicle purchases. It provides full flexibility to use the funds not only for the car itself but also for additional accessories, such as trailers or upgrades. You can choose the loan term, ranging from 6 to 120 months.
The process of obtaining a car loan is simple and quick. Here are the steps:
A car loan can be used for financing both new and used vehicles, allowing you to choose the one that best fits your needs and budget while benefiting from a flexible financing solution tailored to your personal situation.
If you’re unsure whether to choose a loan or leasing, keep in mind that a loan offers you more long-term freedom. Leasing, on the other hand, often comes with mileage limits, additional fees for early termination, and a lack of flexibility in terms of insurance.
Learn more about the benefits of a vehicle loan and find the financing solution that best suits your needs:
Pedro is a 25-year-old lively young man from Morges with a C residence permit. Born and raised in Switzerland, he completed his apprenticeship as a painter and has been working for four years at a small company in Saint-Sulpice, earning a net salary of CHF 3’350.– per month. Pedro is single, has no children, and enjoys going out with his friends on weekends. He lives in a studio apartment with a monthly rent of CHF 550.– and has no debt collections or defaults.
Pedro's current car, an Opel Astra from 1990 with 200,000 km, has become unreliable and expensive to maintain. He wants to purchase a modern, elegant, and sporty used car, such as an Audi A3 RS.
Pedro initially applied online for a loan of CHF 30'000.– over 84 months. The simulation showed a monthly payment of CHF 435.–. After reviewing his application, the advisor at CC Crédits Conseils SA informed him that the requested amount exceeded his maximum eligible limit. The advisor recommended not exceeding CHF 15'000.–.
Pedro followed the advice and applied for a private loan of 15'000 CHF over 84 months, which was approved by the bank. He purchased an Audi A1 1.2 TFSI with 80,000 km for CHF 13'900.–.
He received an interest rate of 11.95% with a monthly payment of CHF 263.–. No administrative fees were charged, and a death insurance policy is included in his monthly payment.
Calculation example
Loan of CHF 20'000. An effective annual interest rate between 4.9% and 10.95% and a term of 48 months generate total interest between CHF 2'018.10 and CHF 4'549.60. Term: 6-120 months; Maximum annual interest rate (including all credit charges) 10.95%. The granting of a loan is prohibited if it leads to the over-indebtedness of the consumer.(Art. 3 LCD)
Put your trust in the experience of Crédits Conseils – without obligation and with zero risk.
Request
Request your loan by using the online form or by calling us.
Complete your information and send your documents
Submit the mandatory documents and relevant information we need to assess your loan request.
Assessment and offer
Final response in less than 24 hours after receipt of the needed information, mandatory documents and a complete review of your solvency.
Contract signing and disbursement of your loan
Swift disbursement after you sign the loan contract and the consequent 14 day right of revocation (cooling-off-period).
