Hello,
I want to ask some advice regarding car loans for B permit holders.
Context:
credit ammount 8000-15000 CHF
Purpose - Buying a used <50000 km car (old one has 360k)
Google? - Yes, I have already searched on google and found some answers but I wish to know if I have foubd the best options.
Job: Permanent
Income: enough to finance my ammount
+ Do you know of any bank that loans to B permit holders from the EU with 6 months inside of the country (entry date)?
+ What are the shitty companies that take advantage of newcomers and give outrageous contracts?
+ Any good websites to search for cars?
+ Best reliable cars? (Tired of fixing my old lady every month)
+ Leasing or Credit, cash is not an option, I am tied in other investments I do not want to liquidate
Information I gathered:
Amag - For leasing
Gowago - Easy buying on credit
Autoscout / Autolina / Comparis - for searching cars
BankNow - Sketchy loan site for B permit
Avoid brands: Ford, VW, BMW, Dacia
Look for brands: Toyota, Volvo
Disclaimer: I know public transportation ABO is cheaper overall. I know there are hidden costs / Taxes
I know I need a full insuarance CASCO if leasing. I know about milage/specific mechanics for leasing. I know a car depreciates in value. I know it is a luxury at any price, I know that buying cash always comes the cheapest in the long run but I still wish to finance a cheap-ish used car to help with dreadful commute, road tripping and hauling (looking for SUV/Station Wagon)
I am not asking for a full guide, just more experienced opinions on my findings / choices and an advice regarding opportunities I might have missed