Financing
Finance a car online – leasing and loans signed digitally
Financing a car online works end to end today: configure the offer on the vehicle page, have your credit checked, sign digitally — done. Here is how leasing or a loan works at FlexiMoto, step by step.
How does online financing work in 4 steps?
- Choose a vehicle and switch on "financing/leasing" in the configurator.
- Set the terms: down payment, term, residual value (for leasing) or repayment (for a loan).
- Credit check online — secure and without paperwork. Approval within 24–48 hours.
- Sign digitally and receive the vehicle. FlexiMoto coordinates the payout and the handover.
Leasing vs. loan – which suits you?
| Leasing | Loan | |
|---|---|---|
| Ownership | No (stays with the lessor) | Yes (after repayment) |
| Down payment | 0–30 % typical | usually 0 % |
| Monthly instalment | lower | higher |
| Mileage cap | yes (10,000–30,000 per year) | no limit |
| At the end | return or buy | the car is yours |
| Ideal for | driving it 2–5 years, then switching | keeping it long term |
Which terms matter?
- Effective annual interest rate: The one figure that makes offers comparable — it contains all additional costs.
- Early repayments: Can you repay ahead of schedule without a prepayment penalty?
- Comprehensive insurance: Usually mandatory with leasing.
- GAP cover: Protects you from residual debt if the car is written off.
You will find detailed terms and a personal offer in the financing guide. Or you pick a vehicle straight away and have the monthly instalment calculated.
Frequently asked questions
Can I finance my car entirely online?
Yes. At FlexiMoto you apply for financing or leasing directly on the vehicle page – offer, credit check and signing all run digitally. You have the approval within 24–48 hours.
Which financing partners are connected?
We work with established Swiss banks and leasing companies (Cembra, BANK-now, MultiLease, MF Group). That way you receive several offers in one step and pick the best one.
How large does the down payment have to be?
With leasing, 0–30 % is usual; with a loan it is often 0 %. The larger the down payment, the lower the monthly instalment and the total interest.
Which is better: leasing or a loan?
Leasing fits if you only want to drive the car for a certain time and care about low instalments. A loan is worth it if you want to keep the car and own it afterwards — and do not want to accept a mileage cap.
Is there a financing calculator?
Yes — on every vehicle in the marketplace you can set the term, the down payment and the residual value directly and see the monthly instalment for a loan and for leasing right away.
Related guides
- Financing & leasing – in detail – The full guide to terms and providers.
- Buying a car online – How the digital purchase works.
- Buying safely online – Reputable dealers and payment methods.
- Vehicles with financing – To the marketplace and calculate your instalment.