Financing your company car or vehicle

all vehicles, including new means of transport

new cars and used vehicles up to five years old at the end of the contract 

new vehicles and recently used vehicles, less than five years old 

at least €2,500 

vehicle purchase price 

vehicle purchase price 

depending on the economic life and loan amount (at least six months)

two to five years 

two to five years 

fixed capital amortisation or fixed periodic repayment 

fixed monthly or quarterly rent

monthly rent including VAT 

50% of VAT can be financed 

no pre-financing of VAT as it is paid on the rental price

no pre-financing of VAT as it is paid on the rental price

the vehicle is depreciated and credit interest is treated as a professional expense

• purchase option 4% to 15%: the vehicle is depreciated and interest is treated as a professional expense
• purchase option >15%: the entire rent is treated as a professional expense

the entire rent is treated as a professional expense

none

none

registration tax, circulation tax, maintenance, repairs, tyres, insurance, roadside assistance, and replacement vehicle 

personal guarantee, death insurance 

higher first rent, personal guarantee 

no application 

by the client 

by the client and the leasing company 

by the leasing company 

not applicable

possibility to purchase the vehicle at a pre-defined percentage 

possibility to purchase the vehicle at market value or a pre-defined percentage

yes 

yes

none