The Swiss credit platform

New or used motorcycle: why choose a loan rather than a lease?

Dreaming of a motorcycle, think of credit: iscover how to finance your two-wheeler easily and transparently with Milenia. No down payment, no hidden fees, no stress.

 

Credit or leasing for your motorcycle? We help you see clearly.

Buying a motorcycle is a passion project. But when it comes to financing it, should you opt for leasing or credit? Leasing may seem attractive with its appealing rates on paper... But the reality is often very different.

At Milenia, we believe in the freedom to ride and choose. And this is precisely what a motorcycle loan offers you, especially compared to leasing that is often restrictive and expensive in the long term.

 

Motorcycle leasing: a misleading option ?

Motorcycle leasing offers are sometimes attractive: 0% rates, reduced monthly payments... But behind these promises, there are often real underestimated costs:

 

• Double monthly payment from the start: in the first month, you pay an extra instalment on top of the regular first payment.
• No ownership: you never really own your motorcycle. Result? It is impossible to resell it freely.
• High residual value: To reduce the monthly payments, the final amount to be paid is often significant. Conversely, a low residual value increases your monthly payments.
• Non-tax deductible: Unlike a loan, a lease does not allow you to deduct anything from your taxable income.
• Additional costs: compulsory full-casco insurance, end-of-contract fees, mileage limits, mandatory garage, etc. so many constraints added to the total cost.

 

In short, leasing imposes many constraints that limit your freedom and increase the bill.

 

Motorcycle credit: your newfound freedom

By contrast, a motorcycle loan gives you full ownership — and full control over your decisions.

 

• You are the owner: you buy your motorcycle, new or used, and dispose of it as you wish.
• Free choice of garage, mileage, insurance: no restrictions, no hidden costs.
• Tax-efficient: the interest on your loan is tax deductible.
• No down payment and no residual value: no unexpected final costs and no large lump-sum payment required.
• Early repayment possible: you retain control over the duration of your commitment.

 

What about interest rates?

It is true that leasing offers may seem attractive, especially for new motorcycles, with sometimes very low rates. But we should not be seduced by this figure alone. Once you add up the ancillary costs – compulsory insurance, residual value to be paid, contractual limitations – the overall cost becomes much higher than it seems.

Conversely, a motorcycle loan offers more transparency by keeping a simple structure, with no hidden costs or restrictive conditions. And let's not forget a major advantage: the interest on a loan is tax deductible, which further improves its profitability.

 

Possibility to choose your type of motorcycle?

Whether you are passionate about agile roadsters, adventure trails, urban scooters or sharp sports bikes, the motorcycle loan adapts to all types of motorcycles, whether new or used.

You are not just financing a machine: you are financing your freedom. No mileage constraints, no residual value to pay at the end of the contract, no technical limitations. You become the full owner of your two-wheeler, free to use, modify or resell it at any time.

 

Milenia accompanies you in your motorcycle project

We know that a motorcycle project is much more than just a purchase: it is a desire for freedom, pleasure and independence. This is why our credit offer has been designed to be clear, flexible and accessible to all, without compromise.

It all starts with a free online simulation, simple and fast. Then, one of our advisors will contact you to refine your request and offer you a tailor-made offer. Our strength? Solid banking partnerships, which allow us to guarantee you the best rates and the most advantageous conditions on the market.

No application fees, no deposits, no surprises: everything is transparent. The process is completely digital, and if the offer suits you, the funds are released quickly within the statutory timeframe.

You are free to choose your motorcycle, your garage, your insurance and even to resell your vehicle whenever you want. In short, you remain in control of your choices.

 

In short

Choosing a motorcycle loan with Milenia means opting for flexible, fast and transparent financing.

No down payment, no hidden fees, advantageous taxation and the freedom to enjoy your motorcycle to the fullest, without compromise. Run your simulation now and ride with complete peace of mind.

 

 

 

 

Over-indebtedness: when to worry, and what to do?

Going into debt is common. But when should you be concerned? Discover the signs of over-indebtedness, its common causes, and possible solutions to regain control of your finances.

 

When debt becomes over-indebtedness

Going into debt is common: an open bill, an ongoing loan, a payment in instalments... As long as everything is under control, there is nothing to be concerned about.

But as soon as debts accumulate to the point of exceeding your monthly income, the financial balance becomes unstable.

Over-indebtedness occurs when you can no longer cover your fixed expenses, rent, bills, repayments, with what you earn.

This imbalance can affect anyone, regardless of age, income or family situation.

It often appears during life transitions: separation, job loss, birth, moving house or sudden change in the budget.

Figures that speak for themselves

According to the Federal Statistical Office, around 40% of people living in Switzerland belong to a household that is considered over-indebted.

This figure is a reminder that debt is not a sign of personal failure, but a widely shared social reality and that action can be taken before the situation gets worse.

Understanding the impact of a loan on your budget

Before taking out a loan, it is essential to measure the impact on your personal budget.

Each new loan involves a fixed monthly payment to be repaid: it is added to your existing charges.

In concrete terms, this means that your disposable income (what you have left after all the compulsory expenses) decreases.

If this share becomes too low, the risk of imbalance increases.

Example: If you earn CHF 4,000 net per month and already pay off CHF 1,200 in loans, a new monthly payment of CHF 400 would bring your total debt to CHF 1,600, or a debt ratio of 40%, above the recommended threshold.

Factors driving debt

Several causes can contribute to a situation of over-indebtedness, often combined with each other:

• Lifestyle : consumption habits not adapted to disposable income
• The financial situation : low wages make you more vulnerable to the unexpected
• Family situation : separation or change in household structure
• Education and profession : profiles with few qualifications are more exposed
• Where to live : In some areas, fixed costs exceed average income

When debt becomes a burden: what to do?

Living with uncontrolled debts means living under stress.

Invoices are postponed, reminders are ignored, and in the meantime, interest is added, legal actions may follow. Stress can become chronic.

But it is possible to regain control. The important thing is to act early, before the situation becomes irreversible.

Talking about it, getting help, considering concrete solutions: these are the first steps towards a return to balance.

Milenia helps you avoid falling into over-indebtedness

At Milenia, we know that sometimes it's hard to stay on track, especially when bills pile up.

That's why we encourage those affected to take action before the situation deteriorates.

In some cases, a debt consolidation (or loan repurchase) can be a relevant solution: it allows several receivables to be combined into a single loan, with a single monthly payment, more suited to the budget at the time.

This type of solution alleviates financial pressure and can avoid tipping into real over-indebtedness.

At Milenia, we are here to support you, not to judge you. One step at a time, you can regain financial stability and peace of mind.

 

 

 

 

Has your loan been refused? Here's how to fix it

Refused credit application? Here's what banks are really looking at and what actions need to be taken to bounce back.

 

Being denied credit can be a real disappointment, especially when a project or urgent need depends on this funding.

However, a refusal is not an end in itself. It simply reflects specific criteria that banks analyse. Here are the most common reasons for a loan refusal and the solutions to reverse the situation.

 

Why do banks refuse a loan?

When a bank analyses your file, it consults your debt collection register. The presence of one or more registrations, even if they have been settled, remains a warning signal. Indeed, a debt collection that is settled but still visible can be enough to block your credit.

It is therefore strongly advised, once your debt enforcement(s) have been paid, to request the deletion of the registration directly from the competent office.

 

Your CRIF score is too low

The CRIF is a solvency database that banks consult in addition to the ZEK and the debt collection register. It brings together a multitude of information: address history, late payments, unfulfilled commitments, etc.

An unpaid invoice from a telecom operator or a gym, for example, can be sent to a collection agency (EOS, Paycoach, etc.), which can significantly lower your score.

How can you improve your situation?

 

• Pay off the debts involved.
• Ask creditors to remove negative registrations with the CRIF.
• Check that your personal information is accurate, but be careful, too frequent changes of address can also affect your score.

 

Negative registrations in the ZEK

The ZEK (Central Credit Office) contains all your credit, leasing and credit card history. Irregular payments, card blocking or fraud can leave negative marks that hinder your future applications.

Some entries may be corrected if they are unwarranted or changed after certain years. This is still a rather technical area, but Milenia can inform you and guide you through the steps to follow.

 

Income deemed insufficient

A loan may also be refused because your budget is considered too tight. But be careful: not all banks calculate the budget in the same way, and some organizations sometimes miss important documents in their evaluation.

At Milenia, we offer you a free assessment of your situation. Thanks to our expertise and our banking partnerships, we know how to present your file to obtain the best credit offer.

 

Beware of "miracle" credit scams

Have you come across an ad promising "fast credit without proof" or an "unbeatable rate"? In 99% of cases, it is a scam. Never pay fees upfront or hand over your data to questionable sites.

With Milenia, there are no hidden fees and no commitments: a free evaluation with no surprises.

 

How Milenia can help you after a rejection

We analyse your situation free of charge, optimise your budget, and find the right solution for your profile. If you have lawsuits or ZEK registrations, we will help you clean up your file.

If in doubt, do not hesitate to contact us! We're here for you.