This is how financial leasing works
This is how financial leasing works
Financial lease is a business lease form that allows you to easily purchase a company car without paying the full amount at once. You borrow the purchase amount from a financing company and pay it off monthly. You are immediately the economic owner of the car, which provides tax benefits, and at the end of the lease period you are the full owner of the vehicle.
The monthly costs depend on:
- The purchase price of the car;
- The interest rate on the amount borrowed;
- The term of the contract – longer term means lower monthly payments but higher interest;
- Any down payment and final installment.
Costs such as insurance, maintenance and road tax are for your account. After approval of the financing, the lease contract is drawn up and the car is immediately registered in your name.
For whom?
Financial lease is accessible to everyone, including starters and self-employed persons. At Bedrijfswagenleasing we do not only look at figures, but at the people behind the company. That is why annual figures are not required, and we do not perform a BKR check or registration. Even with a negative BKR registration you are welcome with us. Every company, every starter and every self-employed person can count on a personal and warm approach.
14 days money back guarantee
No time to come by? At Bedrijfswagenleasing you can purchase your company car completely online via financial lease. You get a 14-day money-back guarantee. This way you can try out the car at home. Don't like it? We will pick up the car and you will get the full amount back.
What are the advantages of financial leasing?
- No large upfront investment
- Tax benefits (deductions and VAT recovery)
- Direct economic owner
- Determine your own monthly payment and term
- Maintaining liquidity within your company
- No annual figures or BKR check required
- Claim-free years are retained
Which commercial vehicle do you choose?
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How does a finance lease work?
Financial lease starts with finding the commercial vehicle that suits you. You can find these in us wide range in delivery vans. You can then send a quote request without obligation. We will get to work for you immediately after the request and provide a response within an hour. Would you like to make an estimate for your monthly amount? Then use our calculation tool to make an estimate. Has your Financial lease been approved and is the car to your liking? Then you will receive a purchase agreement for the chosen vehicle in the mail. As soon as the agreement has been signed and returned, you will receive a lease agreement from us. After signing the lease agreement, the last step follows: pick up your company car or have it delivered!
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Why financial lease?
Financial lease has many advantages for you as an entrepreneur. The main advantage of Financial lease is that, unlike other forms of leasing, you are directly the economic owner of the vehicle. Financial lease is the only lease form where you have this option.
Read all the benefits of a financial lease at a glance below.
The advantages
- Direct owner of the vehicle
- Taking advantage of tax benefits
- Not having to pay a large amount in one go / payment in installments
- Monthly amount to adjust to your financial situation
- Preservation of assets for the company
- You build up a piggy bank
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What is the difference between operating lease and finance lease?
The main difference between operational lease and financial lease lies in the ownership and responsibilities.
With operating lease the leasing company remains the owner of the vehicle. This means that all costs, such as maintenance, repairs and insurance, are included in the monthly amount. The risk lies with the leasing company, and the car does not appear on your balance sheet. At the end of the lease contract, you simply return the vehicle, without any residual value risk. This form of leasing is ideal if you want complete peace of mind.
With financial lease the vehicle becomes your property once the contract has expired. You pay off the car in installments, and the monthly payments are therefore often lower than with operational leasing. However, maintenance, insurance and other costs are your responsibility. Financial leasing is especially interesting if you ultimately want to become the owner of the vehicle.
In short, choose operational leasing if you want to be relieved of all worries and financial leasing if you want to become the owner of the vehicle.
Are you interested in a financial lease? View the range of commercial vehicles on the website and request a quote immediately or contact one of our advisors. We are happy to help you.
