0% in the contract – financing cost paid separately upfront
With 0% leasing, the vehicle value in the contract remains unchanged. The calculated financing cost is paid separately before the contract starts; the lease contract then states an interest rate of 0%.
Important: the financing cost does not disappear
It is paid upfront instead of through the lease payments. The 0% lease is therefore a different contractual structure, not a saving.
How 0% leasing works
1. Calculate the financing cost
First, we calculate the interest amount that would arise over the agreed term under a comparable standard lease.
2. Pay that amount separately
This amount is paid separately before the contract starts. It is not added to the vehicle value stated in the lease contract.
3. Sign the contract at 0%
The lease contract then states 0% interest. A down payment or larger first payment, monthly payments, term, and residual value remain normal contract components.
The exact figures may vary by bank and contract. Before signing, you receive all payments and contract figures in writing.
CHF 30,000 vehicle value, approximately CHF 3,000 financing cost
For a vehicle valued at CHF 30,000, a comparable lease could generate approximately CHF 3,000 in calculated financing costs.
Before the contract starts
Vehicle value: CHF 30,000
Calculated financing cost: approx. CHF 3,000
Separate upfront payment: approx. CHF 3,000
In the 0% lease contract
Vehicle value remains: CHF 30,000
Interest stated in the contract: 0%
Monthly payments and residual value: agreed as usual
What may still apply
In addition to the separate upfront payment of the financing cost, a normal down payment or larger first payment may still be agreed. Regular monthly payments and the agreed residual value then follow.
This example is for illustration only. The actual financing cost and all other contract figures are calculated for the specific vehicle.
Check 0% leasing for a vehicle
Choose a vehicle from our inventory. We calculate the financing cost payable upfront and the remaining contract figures.
Questions about 0% leasing?
We explain the separate upfront payment, any down payment, monthly payment, and residual value.
FAQs
Frequently asked questions about 0% leasing
The most important points at a glance.
No. The calculated financing cost is not waived; it is paid separately before the contract starts. The difference lies in the contractual structure.
Yes. The financing cost is not added to the vehicle value. In the example, the vehicle value remains CHF 30,000.
No. The financing cost is paid separately upfront. Depending on the contract, a normal down payment or larger first payment may still apply in addition.
The lease contract states an interest rate of 0%. Whether the overall contractual structure meets your personal or religious requirements is for you to assess; if needed, consult a trusted adviser or specialist body.