Vehicle project loan

Vehicle project loan

If you wish to buy a vehicle and own it, the vehicle loan is a good solution with a rate of 5.50%.

A competitive rate of 5.50%

Interest paid is deductible from taxable income

An alternative to leasing

The payment of a cash-bonus at the end of the loan period when the loan has been fully repaid

The essentials

Financing your vehicle 

Would you like to acquire the vehicle of your dreams, have the possibility to customise it as you wish, decide freely on the number of kilometres driven or be able to resell it at any time? The vehicle loan is an excellent alternative to leasing at an advantageous interest rate.


Ease and speed of execution

To assist you in your project, BCGE will inform you of its decision on granting you a personal loan within 24 hours of receiving the required documents.


Bonus at the end of the contract

A cash-bonus corresponding to 1% of the amount borrowed (excluding interest) is paid to you at the end of the loan period and when the loan has been fully repaid.



Further information

Conditions

  • Purchase of a vehicle from an automobile professional, a BCGE partner, with disbursement against receipt directly at the garage (offer, contract, invoice, etc.)
  • Subscription from the age of 18
  • Loan amount: minimum CHF 2'500, maximum CHF 70’000
  • Duration: From 6 to 60 months
  • Early repayment: no penalty (except processing fee)
  • Cash-bonus: at the end of the contract the client may request a cash-bonus of 1% within 3 months after payment of the last monthly instalment, provided that:
    • No early repayment
    • Payment of the client's full salary into an account with BCGE throughout the loan period
    • No late payment of monthly personal loan instalments (no overdraft on this account during the entire period of the loan)
    • No overruns
  • A loan will not be granted if it causes the consumer to become over-indebted


Revocation period

The Federal Law on Consumer Credit grants the client a 14-day reflection period. Provided that the client certifies that he has not exercised his right of revocation, the funds are released on the 15th day.

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