{"id":45251,"date":"2026-10-06T10:45:29","date_gmt":"2026-10-06T09:45:29","guid":{"rendered":"https:\/\/www.lica.ch\/?p=45251"},"modified":"2026-10-06T11:33:46","modified_gmt":"2026-10-06T10:33:46","slug":"electric-bike-finance-loans-leasing-and-subsidies-in-switzerland","status":"publish","type":"post","link":"https:\/\/www.lica.ch\/en\/credit-personnel\/financement-velo-electrique-credit-leasing-et-aides-en-suisse\/","title":{"rendered":"Electric bike finance: loans, leasing and subsidies in Switzerland"},"content":{"rendered":"<p class=\"wp-block-paragraph\">An electric bike often costs several thousand Swiss francs. This guide compares electric bike finance options in Switzerland, from paying cash to taking out a personal loan, including subsidies, tax considerations and insurance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For a small purchase, paying cash or a genuinely free offer is often enough. A larger family project may justify a loan. The information below is current as of 6 October 2026, with any outstanding checks flagged.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Prices and types: what does an electric bike really cost<\/h2>\n\n\n\n<p class=\"wp-block-paragraph translation-block\">The bike category affects equipment, insurance and budget. According to <a href=\"https:\/\/www.ch.ch\/en\/vehicles-and-traffic\/cars-and-other-vehicles\/cycling-in-switzerland\/\" data-type=\"link\" data-id=\"https:\/\/www.ch.ch\/en\/vehicles-and-traffic\/cars-and-other-vehicles\/cycling-in-switzerland\/\" target=\"_blank\" rel=\"noreferrer noopener\">ch.ch<\/a> and the Swiss Council for Accident Prevention (BFU), a distinction must be made between:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Slow bike. Assistance up to 25 km\/h, without a plate. It can be driven from the age of 16 without a license, or from the age of 14 with an appropriate license. Helmets are still recommended. Plan to have the necessary equipment and insurance coverage.<\/li>\n\n\n\n<li>Fast bike. Assistance up to 45 km\/h. Adapted license, yellow plate, helmet and civil liability are mandatory. These requirements are included in the <a href=\"https:\/\/www.lica.ch\/en\/personal-loan\/optimize-your-budget-to-get-a-consumer-loan\/\" data-type=\"link\" data-id=\"https:\/\/www.lica.ch\/credit-personnel\/comment-optimiser-son-budget-pour-obtenir-un-credit-conso\/\">Overall budget<\/a>.<\/li>\n\n\n\n<li class=\"translation-block\">Cargo bike. The BFU fact sheet of March 2026 distinguishes between <a href=\"https:\/\/www.bfu.ch\/fr\/services\/aspects-juridiques\/loi-suisse-velo-electrique\" data-type=\"link\" data-id=\"https:\/\/www.bfu.ch\/fr\/services\/aspects-juridiques\/loi-suisse-velo-electrique\" target=\"_blank\" rel=\"noreferrer noopener\">light and heavy categories<\/a>. A single set of rules therefore does not apply. The detailed obligations require a visual check of the BFU table before being reproduced here.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Before you start financing an electric bike, ask the retailers for quotes. Then separate the expenses:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Purchase price of the bike, helmet and anti-theft device.<\/li>\n\n\n\n<li>Insurance and maintenance.<\/li>\n\n\n\n<li>Possible replacement of the battery.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Finally, distinguish the price, the cash needed for the purchase, <a href=\"https:\/\/www.lica.ch\/en\/personal-loan\/factors-that-determine-your-loan-interest-rate\/\" data-type=\"link\" data-id=\"https:\/\/www.lica.ch\/credit-personnel\/les-criteres-qui-determinent-le-taux-d-interet-de-votre-credit\/\">the cost of financing<\/a> and the expenses of use.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Electric bike financing, the options at a glance<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A low monthly fee does not guarantee an economical solution. Here are the differences to consider for each option.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Accounted for. You own the bike from the moment of purchase. You pay its price without interest from the credit institution. The seller\u2019s choice remains free. However, please keep your security deposit. No credit agreement is added to the sale.<\/li>\n\n\n\n<li>Payment in installments. Check the property terms during payments and after full payment. Add up the down payment, installments, fees, and imposed insurance. Check the early repayment. The application of the <a href=\"https:\/\/www.lica.ch\/en\/regulation\/consumer-credit-law-what-you-need-to-know\/\" data-type=\"link\" data-id=\"https:\/\/www.lica.ch\/reglementation\/loi-sur-le-credit-a-la-consommation-ce-que-vous-devez-savoir\/\">LCC<\/a> It depends on the contract and <a href=\"https:\/\/www.fedlex.admin.ch\/eli\/cc\/2002\/593\/fr#art_7\" data-type=\"link\" data-id=\"https:\/\/www.fedlex.admin.ch\/eli\/cc\/2002\/593\/fr#art_7\" target=\"_blank\" rel=\"noreferrer noopener\">its exclusions<\/a>.<\/li>\n\n\n\n<li>Leasing. You use the bike without automatically becoming its owner. Add up the deposit, the lease payments, the fees, any insurance you are required to take out and the final purchase option. Check the return conditions and the early-termination terms. Some contracts fall under the LCC (Swiss Consumer Credit Act).<\/li>\n\n\n\n<li class=\"translation-block\"><a href=\"https:\/\/www.lica.ch\/en\/personal-loan\/\" data-type=\"link\" data-id=\"https:\/\/www.lica.ch\/en\/personal-loan\/\" target=\"_self\">Personal loan<\/a>. You buy the bike outright from the dealer of your choice. The total cost covers the repayment, the interest and any fees. <a href=\"https:\/\/www.lica.ch\/en\/solvency\/check-your-creditworthiness-before-applying-for-a-loan\/\" data-type=\"link\" data-id=\"https:\/\/www.lica.ch\/en\/solvency\/check-your-creditworthiness-before-applying-for-a-loan\/\" target=\"_self\">Creditworthiness<\/a> determines access to the loan. The LCC provides for early repayment where it applies.<\/li>\n\n\n\n<li>Subsidies. They may complement a payment method. They do not determine ownership of the bike alone. Their amount reduces the net cost only if you receive it. The regulations set out the conditions and possibilities for accumulation.<\/li>\n\n\n\n<li>Employer contribution. It could supplement your budget according to the proposed plan. Clarify ownership, participation, restrictions, and consequences of leaving. Do not count on any contribution until confirmation.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">For <a href=\"https:\/\/www.lica.ch\/en\/lica\/neutral-and-independent-personal-loan-comparator\/\" data-type=\"link\" data-id=\"https:\/\/www.lica.ch\/lica\/le-comparateur-de-credit-prive-neutre-et-independant\/\">compare<\/a> for an electric bike financing, ask for two separate indicators: the effective annual rate (TAEG), and the total amount paid out CHF. Add the usage expenses over an identical period. An offer at 0 also % deserves comparison with the cash price.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comparison of financing options<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Electric bike finance<\/th><th class=\"has-text-align-left\" data-align=\"left\">Property<\/th><th class=\"has-text-align-left\" data-align=\"left\">Total cost to compare<\/th><th class=\"has-text-align-left\" data-align=\"left\">Flexibility and things to check<\/th><th class=\"has-text-align-left\" data-align=\"left\">Legal framework or conditions<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\">Counting<\/td><td class=\"has-text-align-left\" data-align=\"left\">Property purchase.<\/td><td class=\"has-text-align-left\" data-align=\"left\">Paid price, then usage expenses; no credit interest.<\/td><td class=\"has-text-align-left\" data-align=\"left\">Choice of seller; to maintain a safety margin.<\/td><td class=\"has-text-align-left\" data-align=\"left\">Sale without a credit agreement.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Installment payment<\/td><td class=\"has-text-align-left\" data-align=\"left\">Check the clauses during the payments and after full payment.<\/td><td class=\"has-text-align-left\" data-align=\"left\">Deposit + installments + imposed fees and insurance; compare to the cash price.<\/td><td class=\"has-text-align-left\" data-align=\"left\">Check the conditions for early reimbursement and the associated fees.<\/td><td class=\"has-text-align-left\" data-align=\"left\">LCC depending on the contract and its exclusions; loans that are genuinely free of interest and fees are excluded.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Leasing<\/td><td class=\"has-text-align-left\" data-align=\"left\">No automatic ownership; check the contractual right of redemption.<\/td><td class=\"has-text-align-left\" data-align=\"left\">Payment + rent + imposed fees and insurance + possible resale.<\/td><td class=\"has-text-align-left\" data-align=\"left\">Examine restitution, early exit and compensation; distinguish between the cost of use and the final acquisition.<\/td><td class=\"has-text-align-left\" data-align=\"left\">Some leases are governed by the LCC; check the provisions applicable to the contract.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Personal loan<\/td><td class=\"has-text-align-left\" data-align=\"left\">Purchase of the bicycle in ownership from the chosen seller.<\/td><td class=\"has-text-align-left\" data-align=\"left\">Capital repaid + interest + any fees; add the expenses of use.<\/td><td class=\"has-text-align-left\" data-align=\"left\">Early reimbursement provided for by the LCC when it applies; check the lender\u2019s minimum requirements.<\/td><td class=\"has-text-align-left\" data-align=\"left\">Examination of the credit capacity; compliance with the LCC according to its conditions and exclusions.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Subvention<\/td><td class=\"has-text-align-left\" data-align=\"left\">Depends on the eligible acquisition method.<\/td><td class=\"has-text-align-left\" data-align=\"left\">Reduces the net cost only if it is actually paid.<\/td><td class=\"has-text-align-left\" data-align=\"left\">Possible addition to the financing; check the preliminary request, the date of payment and the need for advance payment.<\/td><td class=\"has-text-align-left\" data-align=\"left\">Regulatory framework: eligibility, available funds, aggregation and compatibility with leasing.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Employer contribution<\/td><td class=\"has-text-align-left\" data-align=\"left\">To be specified according to the proposed mechanism.<\/td><td class=\"has-text-align-left\" data-align=\"left\">Only deduct the confirmed contribution; identify the remaining costs to be borne.<\/td><td class=\"has-text-align-left\" data-align=\"left\">Check usage restrictions and the consequences of leaving the company.<\/td><td class=\"has-text-align-left\" data-align=\"left\">Conditions of the device and agreement with the employer to be monitored.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Subsidies and tax deductions, reduce the amount to be financed<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Start with your municipality. The criteria, budgets, and deadlines vary. The sources examined do not confirm a single federal grant accessible to everyone. This does not rule out targeted programs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In Lausanne, the official page mentions <a href=\"https:\/\/www.lausanne.ch\/prestations\/services-industriels\/subvention-velo-electrique.html\" data-type=\"link\" data-id=\"https:\/\/www.lausanne.ch\/prestations\/services-industriels\/subvention-velo-electrique.html\" target=\"_blank\" rel=\"noreferrer noopener\">a new bicycle intended for personal use<\/a>. It provides for a purchase at a Laussane store approved by equiwatt. Home conditions and the requirement to pay the FEE tax apply.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The City announced an extension until the end of 2026. This announcement does not guarantee either the funds available today or unchanged terms and conditions. Please check the operational conditions before purchasing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For your electric bike financing, distinguish between application, approval, purchase, and payment. Their order depends on the device. If the aid arrives after the purchase, you will have to <a href=\"https:\/\/www.lica.ch\/en\/personal-loan-in-switzerland\/\" data-type=\"link\" data-id=\"https:\/\/www.lica.ch\/credit-prive-en-suisse\/\">advance its amount<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Before buying, check on the municipal website:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The eligibility of the bicycle, the seller and the claimant.<\/li>\n\n\n\n<li>The available funds and the deadlines.<\/li>\n\n\n\n<li>The necessity of a prior request.<\/li>\n\n\n\n<li>The supporting documents, the accumulation and compatibility with <a href=\"https:\/\/www.lica.ch\/en\/car-loan\/choose-between-leasing-and-loan\/\" data-type=\"link\" data-id=\"https:\/\/www.lica.ch\/credit-auto\/choisir-entre-un-leasing-ou-un-credit\/\">Lease<\/a>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">For 2026, <a href=\"https:\/\/www.estv.admin.ch\/dam\/estv\/fr\/dokumente\/dbst\/rundschreiben\/dbst-rs-2-215-d-2025-fr.pdf.download.pdf\/dbst-rs-2-215-d-2025-fr.pdf\" data-type=\"link\" data-id=\"https:\/\/www.estv.admin.ch\/dam\/estv\/fr\/dokumente\/dbst\/rundschreiben\/dbst-rs-2-215-d-2025-fr.pdf.download.pdf\/dbst-rs-2-215-d-2025-fr.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">AFC Circular No. 215<\/a> confirms a bicycle allowance of 700 CHF from the federal direct tax. It covers professional travel expenses between home and work, subject to applicable conditions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This deduction reduces the <a href=\"https:\/\/www.lica.ch\/en\/personal-loan\/how-taxation-of-personal-loans-works-in-switzerland\/\" data-type=\"link\" data-id=\"https:\/\/www.lica.ch\/credit-personnel\/comment-fonctionne-la-fiscalite-du-credit-prive-en-suisse\/\">taxable income<\/a>. It does not refund the bike and does not automatically provide 700 CHF in tax savings. Never deduct it from the amount to be financed. Check the canton\u2019s practice separately.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">A confirmed subsidy can reduce the net cost of the bike, but its payment after purchase requires an advance payment. A tax deduction, on the other hand, reduces taxable income and not the price to be paid. Distinguishing between these mechanisms allows us to assess the need for financing without compromising our savings buffer.<\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\">Leasing and deferred payment: financing electric bicycles from the dealer<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">In leasing, read the conditions for return, repurchase and termination. You are not the owner during the contract. An early exit could cost you dearly.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Art. 1(2)(a) LCC covers certain private movable-property leases. For the contracts concerned, Art. 11 requires written form, disclosure of the effective annual interest rate and a table setting out the consequences of early termination. Also check which insurance policies are required. A comprehensive car insurance policy tells you nothing about the practices applied to bike leasing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For instalment payment, see Articles 7 and 10 of the LCC. The range of 500 to 80,000 CHF is insufficient to establish liability.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Beware of free offers. Article 7 excludes, in particular, loans that are actually interest-free and without fees. It also excludes those that can be repaid within a maximum of three months. An electric bike financing scheme announced with no % request for payment therefore requires careful reading.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Control the administrative fees, the imposed insurance premiums, and any differences from the cash price.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As of January 1, 2026, the OFJ confirms two maximum rates:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>10 % for the <a href=\"https:\/\/www.lica.ch\/en\/personal-loan\/how-personal-loans-work-in-switzerland\/\" data-type=\"link\" data-id=\"https:\/\/www.lica.ch\/credit-personnel\/comment-fonctionne-le-pret-prive-en-suisse\/\">cash credits<\/a>.<\/li>\n\n\n\n<li>12 % for overdraft loans, particularly cards that use this form of credit.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Do not transpose these ceilings indistinctly to every leasing. Their scope and the partial application provided for in Article 8 still require legal verification.<\/p>\n\n\n\n<p class=\"wp-block-paragraph translation-block\">Where Art. 16 LCC applies, <a href=\"https:\/\/www.fedlex.admin.ch\/eli\/cc\/2002\/593\/fr#art_16\" data-type=\"link\" data-id=\"https:\/\/www.fedlex.admin.ch\/eli\/cc\/2002\/593\/fr#art_16\" target=\"_blank\" rel=\"noreferrer noopener\">written revocation<\/a> must take place within 14 days of receiving the copy of the contract required by law. This is not a general right to return the bike.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Personal loan When this electric bike financing makes sense<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">For a small amount, you should prefer cash if your reserve remains sufficient. A truly fee-free offer could also be suitable.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Electric bike financing by <a href=\"https:\/\/www.lica.ch\/en\/personal-loan\/\" data-type=\"link\" data-id=\"https:\/\/www.lica.ch\/credit-personnel\/\">personal loan<\/a> Merits especially an analysis for:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A family cargo that could replace a second car.<\/li>\n\n\n\n<li>Several bicycles or necessary equipment grouped together in a coherent project.<\/li>\n\n\n\n<li>A temporary advance on a confirmed aid, with compatible deadlines and minimum bank requirements.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Check which car expenses would actually be eliminated. Pooling purchases does not automatically reduce their cost.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Advantages and limitations of personal loan<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A loan lets you buy the bike outright, new or second-hand, subject to the lender's conditions. Art. 17 LCC allows early repayment and gives you the right to a waiver of interest and an appropriate reduction of the costs attributable to the unused part of the loan term.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Article 28 imposes <a href=\"https:\/\/www.lica.ch\/en\/personal-loan\/calculate-maximum-loan-amount\/\" data-type=\"link\" data-id=\"https:\/\/www.lica.ch\/credit-personnel\/comment-calculer-le-montant-maximal-d-un-credit\/\">an aptitude test<\/a> based on a 36-month amortization period. This test does not set a maximum contractual duration.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Integrate family interests and expenses. Never increase the loan to reach a minimum bank balance. Have it specified if necessary. <a href=\"https:\/\/www.lica.ch\/en\/regulation\/zek-registration-what-you-absolutely-need-to-know\/\" data-type=\"link\" data-id=\"https:\/\/www.lica.ch\/reglementation\/inscription-a-la-zek-ce-que-vous-devez-absolument-savoir\/\">ZEK procedures<\/a>, distinct from the legal information center.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Lica intervenes as <a href=\"https:\/\/www.lica.ch\/en\/lica\/private-loan-broker-avoid-pitfalls-with-an-expert\/\" data-type=\"link\" data-id=\"https:\/\/www.lica.ch\/lica\/courtier-en-credit-evitez-les-pieges-avec-un-expert\/\">broker<\/a> to support the comparison of financing for electric bicycles. The lender retains the decision to grant the credit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Practical case: financing a family cargo bike<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Illustrative practical case. A Vaud family is considering a 7,000- CHF euro loan over 36 months. All the amounts, rates and conditions are fictitious. They do not constitute an offer or Lica a real municipal scheme.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We assume an effective annual rate of 6 % in both scenarios. CHF The contribution and fees are 0. Payments are made monthly, at the end of the month. No services are included, nor any <a href=\"https:\/\/www.lica.ch\/en\/monthly-instalment-insurance\/credit-installment-insurance\/\" data-type=\"link\" data-id=\"https:\/\/www.lica.ch\/assurance-mensualites\/assurance-des-mensualites-du-credit\/\">Additional insurance<\/a> imposed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A fictitious aid of 500 CHF arrives in the third month. We assume that its granting is confirmed and that the two eligible funding methods are available. The family keeps it, without <a href=\"https:\/\/www.fedlex.admin.ch\/eli\/cc\/2002\/593\/fr\" data-type=\"link\" data-id=\"https:\/\/www.fedlex.admin.ch\/eli\/cc\/2002\/593\/fr#art_17\" target=\"_blank\" rel=\"noreferrer noopener\">early repayment<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.lica.ch\/en\/car-loan\/car-loan-or-leasing-which-is-the-best-solution-in-switzerland\/\" data-type=\"link\" data-id=\"https:\/\/www.lica.ch\/credit-auto\/credit-voiture-ou-leasing-quelle-est-la-meilleure-solution-en-suisse\/\">Leasing<\/a> It provides for a contractual right of repurchase at 1,000 CHF at maturity. Both scenarios therefore lead to ownership. A common usage budget of 900 CHF covers insurance and maintenance. The equipment is already available, with no battery replacement planned.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Credit or leasing: compare the total cost of financing an electric bike<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Personal loan.<\/strong> Initial savings for the purchase: 0 CHF. Thirty-six monthly installments of approximately 212.45 CHF. Total repayments: approximately 7,648 CHF. No refinancing. After the assistance received: approximately 7,148 CHF, or 8,048 CHF with use.<\/li>\n\n\n\n<li><strong>Leasing with repurchase.<\/strong> Initial treasury for the purchase: 0 CHF. Thirty-six leases of approximately 186.97 CHF, then 1,000 CHF for repurchase. Total: approximately 7,731. CHF After the aid received: approximately 7,231, CHF or 8,131 CHF with the use.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">These results are rounded. The lower rent here masks a higher cost. Compare also the cash price or any free offer. CHF The 700 tax package is not included in this calculation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Travel insurance and civil liability: protecting a financed asset<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Insurance complements your electric bike financing. A flight does not automatically eliminate the <a href=\"https:\/\/www.lica.ch\/en\/solvency\/unpaid-loan-in-switzerland-debt-collection-zek-and-concrete-solutions\/\" data-type=\"link\" data-id=\"https:\/\/www.lica.ch\/solvabilite\/credit-impaye-en-suisse-poursuites-zek-et-solutions-concretes\/\">Payment obligations<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For a slow bike, check the private RC for damage to others. Homeowners\u00ab insurance can cover theft under the warranties purchased. Outside the home, check the \u00bbsimple theft outside\u201d extension.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The TCS cites a standard coverage of 2,000 CHF with a deductible of 200 CHF. These are contractual examples, not legal caps.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For a fast bike, <a href=\"https:\/\/www.fedlex.admin.ch\/eli\/cc\/1959\/1271_1321_1317\/fr#art_35\" data-type=\"link\" data-id=\"https:\/\/www.fedlex.admin.ch\/eli\/cc\/1959\/1271_1321_1317\/fr#art_35\" target=\"_blank\" rel=\"noreferrer noopener\">Yellow plate and RC are mandatory<\/a>. Check specifically for the theft coverage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">According to the <a href=\"https:\/\/www.bfs.admin.ch\/bfs\/fr\/home\/statistiques\/criminalite-droit-penal\/police.html\" data-type=\"link\" data-id=\"https:\/\/www.bfs.admin.ch\/bfs\/fr\/home\/statistiques\/criminalite-droit-penal\/police.html\" target=\"_blank\" rel=\"noreferrer noopener\">OFS data<\/a> According to the TCS, 48,504 flights of electric bicycles and electric motorcycles were recorded in 2023. This total does not only include electric bicycles. It also does not describe the year 2026.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Control the guaranteed amount, the value at nine or the current value.<\/li>\n\n\n\n<li>Check the coverage, accessories and exclusions.<\/li>\n\n\n\n<li>Follow the requirements for anti-theft and parking.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Declaring the purchase price does not guarantee its full refund.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Financing electric bicycles and commuting, making an informed decision<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Compare the bike, public transport and the second car over the same period. Save the remaining expenses, including maintaining an existing subscription.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Evaluate actual usage, distance, category and parking.<\/li>\n\n\n\n<li>Establish <a href=\"https:\/\/www.lica.ch\/en\/personal-loan\/optimize-your-budget-to-get-a-consumer-loan\/\" data-type=\"link\" data-id=\"https:\/\/www.lica.ch\/credit-personnel\/comment-optimiser-son-budget-pour-obtenir-un-credit-conso\/\">the complete budget<\/a> and maintain a safety reserve.<\/li>\n\n\n\n<li>Check the confirmed help and the employer\u2019s possible participation.<\/li>\n\n\n\n<li>Examine the counter, then a bid that is actually 0 %.<\/li>\n\n\n\n<li>Then compare leasing and credit, including insurance, if necessary.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Before signing an electric bike financing agreement, ask the retailer these questions:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>What is the cash price and the total to be paid?<\/li>\n\n\n\n<li>Who will be the owner and what is the redemption right?<\/li>\n\n\n\n<li>What fees and insurance are mandatory?<\/li>\n\n\n\n<li>What does the contract provide for in the event of theft or termination?<\/li>\n\n\n\n<li>Does the funding allow the grant to be obtained?<\/li>\n\n\n\n<li>What documents are required before purchasing?<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">FAQ on financing electric bicycles<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Can an electric bike be financed with one personal loan?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Yes, subject to <a href=\"https:\/\/www.lica.ch\/en\/solvency\/check-your-creditworthiness-before-applying-for-a-loan\/\" data-type=\"link\" data-id=\"https:\/\/www.lica.ch\/solvabilite\/verifier-sa-solvabilite-avant-de-demander-un-credit\/\">solvency<\/a> and the minimum amount requested. This electric bike financing must also be of economic interest.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Does leasing an electric bike fall under the LCC?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Not automatically. The form of the contract and the exclusions count. Have the subject matter and applicable provisions checked.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Is there a federal subsidy for electric bicycles?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The sources examined do not confirm a single federal scheme accessible to all. Check the municipal subsidies, without excluding any targeted programs.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Does home insurance cover the theft of an electric bike?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">It depends on the contract, the location, the category of the bike and the ceilings. An extension might be necessary away from home.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Can you deduct your electric bike from your taxes?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The professional cycling package will reach 700 CHF in the IFD in 2026, subject to conditions. It does not correspond to the deduction of the purchase price.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What is the maximum rate for a loan or leasing in Switzerland?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">In 2026, the ceilings are 10 % for cash loans and 12 % for overdraft loans. For leasing, have the applicable regime checked.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Choosing an appropriate solution with Lica<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">You are undecided between counting, <a href=\"https:\/\/www.lica.ch\/en\/car-loan\/choose-between-leasing-and-loan\/\" data-type=\"link\" data-id=\"https:\/\/www.lica.ch\/credit-auto\/choisir-entre-un-leasing-ou-un-credit\/\">leasing and personal loan<\/a> ? Lica Analyze your electric bike financing project for free and without commitment. As an independent broker, we compare the solutions based on your budget, usage, and available subsidies.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Specifically, our analysis includes:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>An examination of your budget and your repayment capacity.<\/li>\n\n\n\n<li>A comparison of the total cost between cash, leasing and personal loan.<\/li>\n\n\n\n<li>Taking into account subsidies and their payment deadlines.<\/li>\n\n\n\n<li>Assistance up to financing, when a loan is justified.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Credit is not always necessary. If cash or a no-fee offer suits you better, we\u2019ll tell you that. Finally, Lica act like <a href=\"https:\/\/www.lica.ch\/en\/lica\/private-loan-broker-avoid-pitfalls-with-an-expert\/\" data-type=\"link\" data-id=\"https:\/\/www.lica.ch\/lica\/courtier-en-credit-evitez-les-pieges-avec-un-expert\/\">broker<\/a> The decision to grant the credit always rests with the lender.<\/p>","protected":false},"excerpt":{"rendered":"<p>Un v\u00e9lo \u00e9lectrique repr\u00e9sente souvent plusieurs milliers de francs. Ce guide compare les solutions de financement v\u00e9lo \u00e9lectrique en Suisse, du paiement comptant au cr\u00e9dit priv\u00e9, en int\u00e9grant subventions, fiscalit\u00e9 et assurance. Pour un petit achat, le comptant ou une offre r\u00e9ellement gratuite suffit souvent. Un projet familial plus important pourrait justifier un cr\u00e9dit. Les [&hellip;]<\/p>\n","protected":false},"author":11,"featured_media":45250,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[21],"tags":[],"class_list":["post-45251","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-personnel"],"_yoast_wpseo_focuskw":"Financement v\u00e9lo \u00e9lectrique","_yoast_wpseo_title":"Financement v\u00e9lo \u00e9lectrique en Suisse, comparer cr\u00e9dit et leasing","_yoast_wpseo_metadesc":"Comptant, leasing, cr\u00e9dit ou subvention ? Comparez le financement v\u00e9lo \u00e9lectrique en Suisse et faites analyser votre projet gratuitement.","yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Financement v\u00e9lo \u00e9lectrique en Suisse, comparer cr\u00e9dit et leasing<\/title>\n<meta name=\"description\" content=\"Comptant, leasing, cr\u00e9dit ou subvention ? 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