In nine arguments, we explain the undeniable advantages of credit compared to leasing when you buy your vehicle.
Let the fight begin!
Round 1: Owner vs. Owner.
Leasing allows you to own your vehicle.
The credit allows you to do this too, but in addition, you are the full owner of it.
It's off to a bad start for leasing...
Round 2: Rate and deductibility.
Credit is recovering by offering low rates, lower than those applied to a personal loan.
Good credit resilience because, although interest rates are higher, interest is deductible from taxable income.
an even round.
Round 3: Down payment and liquidity.
A loan on credit does not require a down payment as provided for when leasing. So it's not in-contribution. This deposit can be up to 25% of the vehicle's purchase value. This is not good for your cash flow and the round is to the credit advantage.
Round 4: Limitation vs. Freedom.
Leasing attempts to take over by providing a certain flexibility in the number of kilometres granted to the lessee. The shot misses the mark because the purchase of a car or motorcycle with a loan does not impose any limit on the annual kilometres travelled. This applies to whether it is a private vehicle, a company car or a commercial means of transport.
Round 5: Full casco vs. freedom of choice.
Leasing is in trouble. Stuck in a corner. Things don't get any better for him. With a loan, there is no obligation to take out comprehensive insurance. It is better to plan, but this demonstrates once again the freedom of choice that a private loan allows you to buy.
Round 6: Forced Garage vs. Your Decision.
The personal loan solution drives the point home and does not let go of its opponent.
Not only is there no undue burden on the insurance side, but, as the full owner of your vehicle, you have the free choice of garage to carry out your maintenance and to choose the maintenance that seems most appropriate to your needs.
Leasing is faltering...
Round 7: Unauthorized sale vs. possible capital gain and freedom to change.
With a loan, sell your vehicle whenever you want. As a reminder, when you take out a lease and you are at the end of the contract, you are only the owner when the dealer has the leasing code lifted; or after you have paid your deposit, monthly payments, interest and residual value.
It's quite a blow and leasing is hanging by a thread.
Round 8: High Fees or Easy Refund?
Early repayment is possible with leasing, but the costs are high. None of that with a credit. The personal loan can easily be taken over on better terms or even repaid with minimal fees and effort.
Leasing is on the table.
Round 9: The die is cast.
The countdown has begun. Freedom of choice, no down payment required, interest deductibility from your taxable income, no mileage limitation... and you are the full owner.
Leasing is K.O.
Milenia, your credit partner.
The tone of this article is light-hearted, but it is clear that the option of buying your car by credit, new or not, offers certain advantages.
As a responsible partner, we advise you to weigh the pros and cons so that your choice takes into account your reality and your means.
If you have any doubts, please contact us. You can already carry out a simulation on our financing platform and find out the amount, the monthly repayments offered, the rate applied and the term.
For sound advice, we will then contact you to discuss with you and study your financial situation in order to offer you the best conditions on the market with the partner bank best able to meet your needs.
Quality, clarity, simplicity and responsibility. These are Milenia's values. Let's get to know each other and make your projects a reality, together.