Finance your vehicle
Lease buy-out
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MONTHLY PAYMENT FROM CHF 0.00
Easily get a lease buy-out and become the owner of your vehicle. Whether you want to buy out your current contract, lower your monthly payments, or simply enjoy more freedom, we support you with a tailor-made solution!
Key benefits of your
lease buy-out
With Lica, the lease buy-out becomes an easy, fast, and fully personalized process. Thanks to our expertise and strong partnerships, you benefit from advantageous financing to regain ownership of your car — with no complications or hidden fees.
You own the vehicle
With a lease buy-out, you become the full owner of your car. No more restrictions — you decide freely when and how to sell it.
Unlimited mileage
Free yourself from the limits of leasing. With your own credit, drive as much as you want – with no penalties or extra costs.
You reduce your monthly payments
Benefit from longer financing and attractive terms to lower your monthly payments while keeping full control of your budget.
99% of satisfied customers
Our priority: your satisfaction. Thanks to personalized support, 99% of our clients recommend Lica for their lease buy-out.
From leasing to freedom!
Finally become the owner thanks to your lease buy-out with Lica
The lease buy-out is a simple, flexible, and highly advantageous solution. It allows you to become the full owner of your car while benefiting from tailor-made financing conditions adapted to your situation. This way, you keep your vehicle without leasing restrictions and enjoy monthly payments that are often lower than with a standard contract.
Moreover, this type of financing gives you total freedom to choose the duration, amount, and pace of your repayments. Each parameter is adjusted to your budget, helping you manage your expenses better and organize your finances with peace of mind.
That’s why Lica simplifies every step of the lease buy-out process. From the simulation to the loan setup, everything is designed to be fast, transparent, and confidential. You benefit from attractive rates, immediate processing, and personalized support.
Our expertise at the service of your freedom
The lease buy-out in numbers
The lease buy-out in 3 simple steps
Doing a lease buy-out with Lica means choosing simplicity and speed. Our smooth and secure process allows you to get your financing without stress or unnecessary paperwork.
I
Submit your application
Complete your lease buy-out online, with no constraints. Our form is fast, secure, and available at any time. Your request is non-binding and remains fully confidential.
II
Get the best offer
Our experts analyse and compare offers from partner banks to guarantee you the best possible rate. You save time and get financing perfectly tailored to your needs.
III
Enjoy your freedom
Once your financing is approved, the lease buy-out is completed and your vehicle becomes yours. You can then keep it, sell it, or replace it with complete freedom.
Testimonials that inspire confidence
Discover why they chose Lica
La satisfacción de nuestros clientes es nuestro mayor logro. Quienes realizaron la recompra de leasing con Lica destacan una experiencia fluida, rápida y transparente. Valoran la calidad de nuestro acompañamiento y la disponibilidad de nuestros asesores en cada etapa.
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 ✨
FAQ about lease buy-out in Switzerland
Want to learn more about lease buy-out? This FAQ brings together the most common questions to help you understand each step and submit your request with complete peace of mind.
What is a lease buy-out?
The lease buy-out is a simple and advantageous financing solution that allows you to become the owner of your vehicle. Instead of returning the car at the end of the contract, you purchase it through a loan tailored to your budget. This option offers greater freedom, as you can choose to keep or sell your vehicle according to your needs. With Lica, you benefit from personalized support and flexible financing conditions perfectly suited to your situation and goals.
Who can apply for a lease buy-out in Switzerland?
Any adult can apply for a vehicle lease buy-out in Switzerland. You simply need to be a Swiss resident or cross-border worker and have a regular income. At Lica, we help you prepare your application to maximise your chances of approval. Our specialists compare the best offers on the market for you. Even if your situation is not ideal, we do everything possible to find the most advantageous solution. This way, you regain ownership of your vehicle with complete peace of mind.
What amounts can I finance with a lease buy-out?
In Switzerland, a lease buy-out can cover amounts ranging from CHF 3'000.- to CHF 400'000.-, depending on your vehicle’s value and your financial situation. With Lica, you freely choose the amount to finance to buy back your car. This way, you keep control of your budget and benefit from flexible and transparent conditions. Whether your vehicle is new or older, our experts compare the best offers to find the most advantageous solution for you.
What is the interest rate for a lease buy-out?
The interest rate for a lease buy-out depends on your financial profile and the bank that approves your financing. With Lica, you benefit from preferential conditions thanks to our partnerships with leading Swiss institutions. We negotiate attractive rates on your behalf to reduce the overall cost of your financing. Each comparison increases your chances of getting the best terms and lowering your monthly payments. This way, you optimise your budget while becoming the full owner of your vehicle.
How long does it take to complete a lease buy-out?
Once your application is approved and the financing contract is signed, Lica quickly transfers the amount required for your lease buy-out. In Switzerland, the legal cooling-off period is 14 working days. Thanks to our simplified process, you can submit your request online in just two minutes, and we immediately take care of all the next steps. This way, your buy-out is finalised without unnecessary delays, and you become the owner of your vehicle with complete peace of mind.
Can I repay my lease buy-out early?
Yes. In Switzerland, the Federal Consumer Credit Act (LCC) allows you to repay your financing at any time, partially or in full, without any additional fees. This flexibility helps you better manage your finances and reduce the total cost of your loan. Early repayment directly lowers the remaining interest, allowing you to save money while maintaining full freedom in managing your credit.
Are there any processing fees for a lease buy-out?
No. With Lica, your lease buy-out application is completely free of charge. No processing fees or hidden costs will be requested from you at any point in the process. We operate with full transparency: our compensation comes directly from our financial partners. This way, you benefit from professional and personalised support with no extra fees. Our approach ensures peace of mind, trust, and clarity at every stage of your application.
What documents are required for a lease buy-out?
To apply for a lease buy-out, you only need to provide a few basic documents. These usually include a copy of your ID, your last three payslips, proof of residence, and a copy of your current leasing contract. However, some banks may request additional documents depending on your situation. In that case, Lica helps you quickly gather all the required information. This ensures your file is complete, clear, and processed without delay.
Can I deduct the interest from my taxes?
Yes. In Switzerland, interest paid on a loan is tax-deductible. You can therefore deduct it from your taxable income and directly reduce your annual tax burden. This makes a lease buy-out not only a practical solution to become the owner of your vehicle but also a smart tool for tax optimisation. With Lica, you fully benefit from this advantage while enjoying clear and secure guidance.
With a trusted partner for your lease buy-out
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.”