Financial Lease | Commercial car leasing

Find your commercial lease car in our Financial Lease inventory and receive a free, no-obligation quote for Financial Lease. Lease.car collaborates with all the well-known Financial Lease banks.

Financial Lease offer

What is Financial Lease?

Financial Lease is a commercial lease form that allows you to purchase a car for your business. With Financial Lease, you instantly become the carowner. With other forms of lease, this does not always have to be the case. Financial Lease is also called 'hire purchase', because the car also functions as the collateral of the lease. Furthermore, with this lease you repay the bank, or lender, in monthly instalments. Thereby, the monthly payments can be fully customized to your personal situation, making this leasing option very attractive.

With a Financial Lease, you become the direct economic owner of the car during the term of the contract. This means you are responsible for its insurance, road tax, and maintenance. However, you are not the direct legal owner of the car. After the last instalment is paid to the bank, legal ownership passes from the bank to you. At this moment you become both the economic and legal owner of the car.

Questions about Financial Lease?

Financial Lease is the ideal form of lease for (start-up) entrepreneurs who want to buy a passenger or company car or lease a used car, but want to retain liquidity to make other investments. The minimum down payment with a Financial Lease is often the VAT amount. This is recoverable in its entirety. In some cases, the bank is also willing to pre-finance the VAT for you. If you are looking for a new car for your company, you are probably looking for more information about Financial Lease and have many questions about it. You are interested in the lease rate, the addition and all the carbrands and models we offer.

We are an intermediary leasing company with experienced advisers who are happy to help you find a Financial Lease car that suits your needs. For example, do you have questions about the term, the best financer or the amount of a final instalment? Do you want to finance the entire car with Financial Lease or do you want to trade in a car? A lot is possible with Financial Lease.

Our lease advisers will be happy to tell you more about your new Financial Lease car and answer all your questions. We quickly and easily calculate the costs, helping you find a car that fits your company's assets. Lease your favourite company car for your business with us. Lease your favorite business vehicle for your company with us. For commercial leasing through Financial Lease, choose Lease.car.

How does Financial Lease work?

With Financial Lease you invest in your business. You can capitalise the company car on the balance sheet. The advantage of Financial Lease is that you do not have to use any savings for this investment. You pay a fixed amount per month. Once you have made all payments, the car is legally yours. In the contract drawn up, you can read exactly how much you have to pay each month and the duration of the contract. This allows you to lease a new lease car without any unexpected costs. However, with Financial Lease you are responsible for things such as insurance, maintenance and road tax.

Are you the economic owner with Financial Lease?

With Financial Lease, you become the immediate economic owner, which is different from Operational Lease. During an Operational Lease, the car remains in the possession of the leasing company. Do you opt for Financial Lease? The advantage of Financial Lease is that you do not have to make a big investment right away. This allows you to keep financial resources free to use for other business investments you wish to make. All in all, Financial Lease is a low-threshold way to finance your new car. Do you want a different car in the meantime? If so, you can trade in your car and sign a new Financial Lease contract.

Financial Lease and additional tax rate

An addition has to be payed if you buy a car for business purposes but also drive more than 500 kilometres privately. The tax authorities then regard the car as a non-cash benefit and make the assumption that you derive private advantage from it. The addition depends on the car you will be driving. Fully electric cars have a lower addition than other cars. The addition is set for 60 months after the vehicle's registration. From there on out, the percentage will be reset. So with Financial Lease, you also pay an additional tax rate if you use the car for private purposes.

The beste Financial Lease Proposal

Securing a Financial Lease at Lease.car is very straightforward. First, select a car from our occasions inventory. You will then see that Financial Lease is available through us with many different car providers. To prevent you from being overwhelmed, Lease.car compares all these providers for you on the basis of price and conditions. We at Lease.car will then provide you with a customized, no-obligation proposal. If you agree with the proposal, you can then sign the lease agreement and pick up the company car for your business.

Thanks to our working method, you can trust us to send you the best Financial Lease proposal. However, that is not all. Other parties in the market may charge consultancy and/or cancellation fees. Lease.car does not charge these fees. Our service is therefore free of charge and completely non-binding. Our customers are our best ambassadors, as reflected in our Trustpilot score of 9.8."

The term of a Financial Lease

A Financial Lease essentially allows you to lease a car through your business without any mileage restrictions. Nevertheless, we think it is wise to adjust the duration of the lease to the car's service life. This is because it regularly happens that the final instalment at the end of the term is higher than the current market value of the same car.

In addition, the longer the term of the Financial Lease, the lower the monthly amount you have to pay. So by signing a contract for a longer period, you can get a lower lease rate. However, this is not always desirable considering the service life of the car. Another way to reduce the monthly amount is to include a final instalment. For more information you can always contact one of our Financial Lease advisors.

The advantages of Financial Lease

Unsure if this type of lease meets your needs? Lease.car is here to help! We offer useful tips and have outlined all the benefits of choosing Financial Lease through us for you:

• Financing is easy: Invest without losing liquidity;

• You are an immediate economic owner;

• You can reclaim VAT on the purchase price of the car;

• Several interesting tax benefits;

• Customize your monthly payments by adjusting the term and final installment;

• Car leasing of a used car up to 10 years old is possible;

• Large stock of occasions and new model, so your ideal car is readily available;

• A suitable form of lease for starters as well as the self-employed;

• Options are also available without annual figures

All these advantages contribute to the fact that Financial Lease is an atractive type of lease for many entrepreneurs.

Want to Financial Lease or buy a car?

If you need a new car, you are faced with an important choice where each option has its pros and cons. Buying or leasing affects a number of different factors, including cost. If you are a business owner with little budget for a good car, then leasing may be a good option. Buying a new car can be expensive. You usually spend a large amount right away. Maybe you have the money as an entrepreneur, but would prefer to keep some money in reserve. Then Financial Lease is a good option. Flexibility is another factor to consider.

Flexibility

Whether it's best for you as an entrepreneur to buy or lease a car depends on how you want to use the car. Do you make few investments? Then buying a car can be a good idea, provided you have the money available to do so. If you want to make other investments, buying a car may not be the best choice. Financial Lease or Operational Lease can be a good alternative, as you can spread the cost over the period you use it.

Financial Lease offer

Lease.car has a large inventory of used lease cars. These cars are all sourced from top dealers we work with. We have a diverse inventory for freelancers and entrepreneurs. You can obtain various car brands for Financial Lease from us. At the end of the lease term, the car is fully owned by you, so choose a car that suits your needs well. Whether you're looking for a passenger car or a commercial vehicle, you can lease a car at an advantageous price through our Financial Lease. Using our search engine, you can filter by various factors that your future occasion car should meet: the car brand, type, bodywork, VAT/margin, fuel type, gears, the colour, additional taxes, price, power, mileage and year of manufacture. Find your perfect car at Lease.car!

Financial Lease offer 

Why take out a Financial Lease through Lease.car?

Wondering why you should finance your car with Financial Lease through us? We have listed it for you. The conditions between the various Financial Lease companies are very different. That is why Lease.car helps you choose the Financial Lease provider that suits you best. Moreover, Lease.car only cooperates with reliable Financial Lease banks, including Dutch Finance, Findio, Hiltermann, BNP Paribas and Santander.  

Cooperations with reliable dealers

In addition to our cooperation with various reputable banks, we also work together with almost all major cardealer organisations and specially selected occasion dealers. For example, we work closely with Broekhuis, Louwman, Hedin and Van Mossel, among others. Have you seen a Financial Lease car elsewhere that meets your requirements perfectly? Even then, we can help you with the Financial Lease of this. In fact, we can do business with any car dealer in the Netherlands. 

Contact us

Lease.car aims to grow alongside our customers. Therefore, we do everything possible to ensure our customers return. We do this by presenting you with a competitive Financial Lease proposal that is tailored to your personal needs. We do not charge any consultancy or cancellation fees for this. Moreover, we select only the best dealers in the Netherlands for you. Finally, our lease advisors are at your service 24/7. That is Financial Lease through Lease.car!