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.

What happens if I fall ill, have an accident or become unemployed? expand_more

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).

What happens if I am not able to pay my instalments? expand_more

It is best to contact us directly so that we can find a solution together tel. 0844 840 841 (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.

What kind of vehicles does Cembra Money Bank finance? expand_more

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.

What kind of vehicle/car insurance do I have to take out? expand_more

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

What documents are necessary to apply? expand_more

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.

How do I know what expenses I will have to expect? expand_more

With our leasing calculator, you can simulate various situations in order to gain a first overview of the amounts and lease conditions which best correspond to your needs.

How do I apply for financing and/or a leasing request? expand_more

You can apply with any car dealer or directly contact Cembra Money Bank by calling 0844 840 841 (for leasing) or 0800 814 800 (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.