Leasing for individuals

During the lease term, you are granted the right to use the vehicle in question according to the leasing conditions agreed. The vehicle remains the property of the lease provider (Cembra Money Bank AG). After the lease agreement has expired, the lease provider normally returns the vehicle to the supplier (garage owner/car dealer) at the contractually agreed upon return value (corresponds to the amount stated in the lease agreement). The supplier can then sell the vehicle and therefore re-determine its price. Should you like to acquire the vehicle you leased after the agreement has expired, you have to contact the supplier.

In order to secure yourself against financial difficulties (e.g. due to accident, illness, disability or involuntary unemployment), we recommend taking out the optional Payment Protection Insurance offered by AXA Versicherungen AG, General-Guisan-Strasse 40, 8400 Winterthur. You can get further information on this website or by calling 0844 840 841 (free of charge).

It is best to contact us directly so that we can find a solution together tel. 044 439 54 50 (for Leasing). Explain your situation to your customer adviser who will help you in a reliable and competent way. Under certain circumstances, the payment by instalments may be changed or another lease term can be agreed upon.

Whether for leasing or credit: We provide financing solutions for all car and/or motorcycle makes. With regard to new vehicles, we recommend Leasing. However, as far as used cars and motorcycles are concerned, both Cash Credit or Financing Plus represent ideal solutions.

During the lease term, you need a full accidental damage insurance for your vehicle.

You need a valid document of identification (ID or passport, or, if indicated, identity document for foreign nationals) and proof of your income (e.g. pay slips). During the consultation interview, further proofs, e.g. documents showing your housing, working and financial situation and/or preceding credits may be requested. Business clients are kindly asked to state their financial situation by means of appropriate documents.

You can apply with any car dealer or directly contact Cembra Money Bank by calling 044 439 54 50 (for leasing) or 044 439 54 50 (for credits). In case you would like to purchase a new car, we can inform you beforehand of the maximum amount of leasing if desired. However, you normally apply when purchasing the vehicle.

Please contact us by phone at 044 439 54 50 so that we can find a solution together.

Please note that the reference number remains unchanged and each monthly invoice can be used multiple times and also for setting up a standing order. You will automatically receive a QR invoice from us every month.

Yes. The reference number of the payment slips remains unchanged and each monthly invoice can be used to set up a standing order.

So that you always have an overview of the amount to be paid.

You receive a monthly paper invoice. To avoid these costs, you can deactivate the paper invoice in the Cembra App and receive the invoice overview directly in the app:

-> Cembra App -> More -> Settings ->Paper Invoice

Please also activate push notifications so that you stay informed about new invoice entries:

-> Cembra App -> More -> Settings -> Push Notifications

These are unpaid invoices, accrued fees, or interest that need to be settled.

The invoice is sent monthly, 20 to 24 days before the due date.

No, unfortunately this is not possible.

We have updated our operating system. Therefore, you now receive a monthly invoice so that you always have an overview of the amount to be paid.

The standing order can remain in place, you do not need to do anything.

Yes, the agreement remains valid.

Yes, they are still valid and can be used.

You currently receive a monthly paper invoice. To avoid these costs, you can deactivate the paper invoice in the Cembra App and receive the invoice overview directly in the app:

-> Cembra App -> More -> Settings -> Paper Invoice

-> Cembra App -> More -> Settings -> Paper Invoice

Please also activate push notifications so that you stay informed about new invoice entries:

-> Cembra App -> More -> Settings -> Push Notifications

A comprehensive insurance is mandatory for a leasing contract.

You can find all the necessary information about payment protection insurance at this link .

In the Cembra App under Profile (top right on the home page), you can enter the current address.

We need a copy of an official ID from you that mentions your new name. Please send the copy to the following address: If you have any questions, we are happy to help. You can reach us at 044 439 54 50.

Yes, Cembra leasing/financing customers can pay their invoices via direct debit (LSV). The entire invoice amount will be directly debited from your bank or postal account.

You can download the form at this picture_as_pdf link . Please fill it out and return it to us. Note that the form must be pre-approved by your bank (not necessary for postal

If the required criteria (no arrears, holder living in the same household, credit check, etc.) are met, please contact us by phone (044 439 54 50) or in writing.

The code release is automatic after the full settlement of the leasing contract. You will receive a confirmation letter from us by post.

In the Cembra App under "Profile" (top right on the home page), you can enter the current data.

Once an existing payment arrears is cleared, you can access the app again.

When you sign a new leasing or financing contract, you will receive a registration letter with the welcome letter. If you can no longer find it or it has expired, you can order a new one at cembra.ch/app."

You can order a new registration letter at cembra.ch/app.

You can activate the electronic invoice and save the monthly costs for the paper invoice. In the Cembra App, you always have access to your latest invoices and numerous other functions.