Car loan
Car loan made easy and fast
MONTHLY PAYMENT FROM CHF 0.00
Finance your car with a car loan. Whether you want to buy a new or used vehicle, replace your car or enjoy better terms than leasing, Lica offers you a personalised and advantageous solution.
The benefits of your Car loan with Lica
Choosing a car loan in Switzerland with Lica means making the right decision. You benefit from clear, fast financing tailored to your car purchase. With our expertise, we negotiate highly advantageous terms for you. Our banking network also strengthens our ability to secure the best offers. And everything happens in a fully transparent process.
You are the owner
With a car loan, the vehicle is yours from the moment of purchase. Unlike leasing, you’re not bound by a rental contract.
Your flexible car loan
Set your own amount, term, and monthly payments to get financing tailored to your needs.
Complete freedom to resell
Unlike leasing, you can sell your car anytime, at any price, without penalties or restrictions.
Unlimited use
Mileage, wear or modifications are entirely up to you with a car loan and there are no limits at all.
Drive with total freedom!
Bring your car project to life with a car loan from Lica
A car loan is a simple, flexible and cost-effective solution to finance your vehicle. Whether it's new or used, you receive the funds quickly and make your project a reality without delay. Unlike leasing, you become the owner of the vehicle right away and enjoy full freedom of use.
With this financing, you stay in control of your budget. You choose the amount, the duration and the level of your monthly payments. This flexibility allows you to adapt the loan to your needs. That way, you can plan your finances with complete peace of mind.
At Lica, we simplify every step of your application. The process is clear, fast and completely confidential. Our banking partners also help us negotiate highly competitive rates. You receive an instant response with no delay. With Lica, you benefit from the expertise of a trusted and well-known partner in Switzerland. We are specialists in car loans and personal financing.
The Lica experience by your side
The Lica car loan in numbers
Your Car loan easy in three steps
With Lica applying for a car loan in Switzerland is simple and fast. Thanks to a clear and efficient process you get easy access to vehicle financing that perfectly fits your needs.
I
Submit your online application
Complete our online form in just a few minutes. The process is simple, commitment free and fully confidential, so you can move forward with your car purchase project with peace of mind.
II
Get the best car loan
We compare offers from the main banks in Switzerland to select the most advantageous conditions for you. This way, you get a car loan that fits your budget and your needs perfectly.
III
Buy your car with complete freedom
Once your loan is approved, the funds are transferred directly to your bank account. You can then pay for your vehicle in full, negotiate the price more easily and enjoy your car with complete peace of mind.
Testimonials that confirm our expertise
They chose Lica for their car loan!
The satisfaction of our clients is the best proof of the quality of our services. Those who have chosen Lica for their car loan regularly share their experience, highlighting the simplicity of the process, the speed of handling and the professionalism of our support at every stage.
I recommend it to everyone.
You fought for over 4 months to get us this contract, you're really great.
You're the best
He has incredible patience, î explains things patiently and is always there to help you without a doubt.
Thanks to Xavier for the incredible work he does for me ✨
The FAQ about the Car loan in Switzerland
Still hesitating to apply for a car loan? This FAQ gathers the most common questions from our clients to help you better understand the benefits of car financing with Lica.
What is a car loan?
A car loan is a type of personal loan. It is used to finance the purchase of a new or used vehicle. With this loan you quickly receive the funds needed to make your car purchase a reality. Unlike leasing, this loan allows you to keep full ownership of the vehicle from the start. This means you can use it freely and sell it at any time without restrictions. With Lica you also benefit from flexible financing tailored to your needs and respectful of your budget.
Who can apply for a car loan in Switzerland?
Any adult residing in Switzerland or in a neighbouring country can apply for a car loan. To obtain financing, a regular income is essential. At Lica we support you in preparing your application to increase your chances of approval. We compare the offers of the main banks to propose the most advantageous solution. Even if your situation is special, our experts strive to find an alternative tailored to your car project.
What amounts can I borrow with a car loan?
In Switzerland a car loan allows you to borrow between CHF 3'000.- and CHF 400'000.- depending on your situation and the vehicle you choose. With Lica you set the amount that best suits your needs and your budget. Whether you are financing a city car or a high end vehicle, we compare offers to find the best solution. This way you benefit from tailored financing while keeping your monthly payments easy to manage.
What is the interest rate for a car loan?
The interest rate depends on your financial profile and the conditions set by the partner bank. With Lica you gain access to preferential terms negotiated with our partners. This allows you to reduce the total cost of your car loan and benefit from more advantageous monthly payments. In addition, each comparison increases your chances of getting the most competitive rate on the market while keeping financing tailored to your needs.
How long does it take to get my financing?
Once your application is approved and the contract is signed, the funds are transferred directly to your bank account. In Switzerland, the legal withdrawal period is 14 business days. With Lica the process is simple and fast. You complete your online application in just a few minutes and we take care of the rest. This way you quickly receive your money and can buy your vehicle without delay.
Can I repay my financing early?
Yes. In Switzerland, the Federal Consumer Credit Act (LCC) gives you the right to repay your financing at any time, in full or in part, at no extra cost. This allows you to reduce the total cost of your financing by directly reducing the remaining interest. This right gives you valuable flexibility to better manage your finances and make significant savings.
Are there any fees to get a car loan?
With Lica the financing application is completely free. You do not pay any hidden fees at any stage of the process. Our compensation comes only from our banking partners which ensures full transparency. This way you benefit from professional support at no extra cost and move forward with your car project with complete confidence.
What documents are required to get a car loan?
To apply for a car loan only a few documents are needed: a copy of your ID, your last three payslips and proof of residence. In some cases the bank may request additional documents. With Lica you are guided at every step to easily gather the required paperwork. This way your application remains simple, clear and fast.
Can I deduct the interest on my loan from my taxes?
In Switzerland the interest paid on a car loan is tax deductible. It can be subtracted from your taxable income, which reduces your annual tax burden. This makes the loan even more attractive as it combines practical financing with tax optimisation. With Lica you benefit from this additional advantage with complete peace of mind while financing your car purchase.
With a trusted partner for your car loan
Working with Lica means receiving human, expert, and fully confidential support. That’s why we assign you a dedicated advisor from the very beginning. You benefit from personalised guidance, quick handling, and clear follow-up at every stage. From the first contact to contract signing, we remain discreet and efficient. In short, you enjoy tailor-made support from start to finish.
Manuel Ognissanti
“My goal is to simplify your journey! I support you at every step with transparent and independent advice. This way, you move forward with peace of mind, confident you’ve made the right choice.”