Car Trade24
Your car. Your way to pay.

Buy or lease: What fits you?

Buy, lease or finance: we help you find the right solution for your budget and your everyday life.

Calculate monthly rate

What fits your budget?

1

Personal details

Age and residence status determine whether leasing is possible at all.

BANK-now finances from age 20

Residence in Switzerland is required

Nationality and residence

BANK-now requires residence in Switzerland. Possible with a Swiss passport as well as permit C, B or L.

Employment
Open debt collections or certificates of lossOngoing debt collections usually lead to rejection
2

Household and housing

Determines the base amount according to the subsistence minimum under debt enforcement law.

Living situation
Children up to 10 years
0
Children over 10 years
0
Of which in education (from 16 years)
0

For the higher education allowance

Actual rent incl. utilities, at least CHF 500. In a shared flat only your share.

Guide value Aargau: CHF 430

3

Income

You'll find these figures on your pay slip.

Who signs the leasing contract?

Your income

Top line on the pay slip, before deductions

Do you receive a 13th monthly salary?

Only if contractually guaranteed

CHF 0 net per month on average
CHF 0 gross per year

Only regular and verifiable, for example a fixed side job

4

Ongoing costs and commitments

Everything reported to the consumer credit information office counts in full.

Public transport pass. Car only if required for work (running costs without depreciation).

Lunch away from home

CHF 9 to 11 per main meal, calculated at CHF 220 per working person

Shift, night or heavy work

Supplement CHF 5.50 per working day, around CHF 120 per month

Leave out any leasing that this one replaces

Ongoing loans

All ongoing loans count in full until they are paid off (reported to the IKO).

Enter taxes myself

Leave empty for the guide value based on the withholding tax rate

5

Leasing terms

Converts your budget into a possible vehicle price.

Term

CT24 term with BANK-now. Legal maximum rate 10 %.

Safety reserve

Share of the free amount budgeted for the leasing

We don't show any vehicles with these details

The requirements for leasing are not met. Talk to us - there's often another way.

Request advice

How we calculate and what applies legally

Creditworthiness for leasingUnder Art. 29 KKG the leasing rate must be affordable without touching the non-attachable part of income under Art. 93 SchKG. The basis is the guidelines on the subsistence minimum under debt enforcement law.
What is deductedBase amount according to the guidelines of the canton of residence (CHF 1'200 single, CHF 1'100 in a shared household, CHF 1'350 single parent, in Aargau CHF 1'200, CHF 1'700 married couple, per child CHF 400 up to 10 years and CHF 600 above), actual housing costs, health insurance premiums, taxes based on the withholding tax rate, work expenses (meals CHF 9 to 11 per main meal, shift supplement CHF 5.50 per day, commute), alimony and all reported loans and leasings.
IncomeNet wage after social deductions (a flat 13 % for AHV/IV/EO, ALV, BVG and NBU), plus regular secondary income and family allowances (Aargau 2026: CHF 225 per child, CHF 278 in education). A partner's income only counts if they co-sign the contract.
Maximum rate and withdrawalA legal maximum rate of 10 % applies to leasing. After signing the contract there is a right of withdrawal of 14 days from receipt of the contract copy.
Reporting dutyEvery leasing contract is reported to the consumer credit information office (IKO) and taken into account in future financing. The ZEK is also queried.
Needed for the applicationCopy of ID or passport (foreigner's permit if needed) and the last three pay slips. The final review and decision rest with BANK-now.
Assets as an alternativeIf income isn't enough, creditworthiness can also be established through proven assets under Art. 29 para. 2 KKG. The bank reviews this case by case and it is not factored in here.
ScopeThe KKG applies to private individuals for financing from CHF 500 to CHF 80'000. Leasing through a company or a higher amount is not covered, in which case the bank reviews by its own criteria.
Data protectionYour details are only calculated in this window, neither stored nor transmitted, and trigger no inquiry to IKO or ZEK.

Granting credit is prohibited if it leads to over-indebtedness of the consumer (Art. 3 UWG).

All values are guide values without guarantee. Taxes and health insurance are estimated at a flat rate if you don't enter them yourself. The result is not a credit commitment. Example: cash price CHF 21'700, down payment CHF 2'000, 48 months, residual value CHF 9'000, nominal interest 3.99 %, effective 4.06 %: monthly rate CHF 276.80, total price under the leasing contract CHF 24'009.60. Mandatory fully comprehensive insurance not included. Lessor: BANK-now AG, Horgen. Broker: Car Trade24, Wohlen.

Easily prepared

How to submit your leasing application.

  1. 01

    Choose a vehicle

    Open the car you want and switch to leasing.

  2. 02

    Set your rate

    Adjust the down payment, term, mileage and residual value with the sliders.

  3. 03

    Fill in the application

    Enter your details, review them and submit to Car Trade24. We guide you through the bank check and the contract.

Good to know

Questions about financing.

In der Regel benötigen wir einen gültigen Ausweis, Angaben zu Wohnsitz und Erwerbssituation sowie aktuelle Einkommensnachweise. Welche weiteren Unterlagen die Bank braucht, klären wir persönlich.