Leasing vs bank loan (vehicle financing)
The leasing-vs-loan calculator compares the total financing cost of leasing and a bank loan. Quickly see which option is cheaper for your conditions and how fees affect the final price. The result is informational. Numbers use European format (e.g. 25.000 for twenty-five thousand, 6,50 for six point five).
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Comparison result
Notes and limitations
Results are an informational estimate based on the entered assumptions. Leasing terms differ between providers (fees, mandatory insurance, residual value, early-repayment terms, etc.).
The calculator allows entry of some fees but not all (e.g. fully comprehensive insurance with vinculation, processing/maintenance/reminder fees, early-repayment fees, mandatory insurance like GAP, etc.). In practice leasing is often more expensive than the calculator shows.
APR for leasing is not officially defined under a single standard as it is for banks. The calculator estimates it from cash flows, which is reasonable but not directly comparable 1:1 with a bank's APR.
The calculator targets individuals. It does not account for tax specifics for businesses (e.g. for business use, leasing may allow 100% VAT deduction, while a loan may not).
It does not account for possible discounts at purchase (sometimes the vehicle's price is lower when financed via the leasing house), which can significantly change the result.
Before deciding, always check the official calculations, fee schedules, insurance requirements and other conditions with the provider.