

Would you like to buy an e-bike, but are put off by the high price? Don't worry, because in Switzerland you have the option of paying for your e-bike conveniently in installments. This article will tell you everything you need to know about it.
Buying an e-bike can be a big investment, but thanks to the option of paying in installments, you can fulfill your dream of owning an e-bike more easily. We'll explain how installment payment works, the benefits it offers and what you should look out for to get the most out of your e-bike and your budget.
Whether you already have your eye on a particular e-bike or you're just dipping your toes into the world of e-bikes, this article will help you make informed decisions and find the e-bike that's perfect for you.
Discover now how you can purchase your e-bike in Switzerland thanks to convenient installment payments and start your adventurous rides on two wheels soon.
Introduction to installment payments for e-bikes in Switzerland
Installment payments for the purchase of e-bikes have increased significantly in Switzerland in recent years. More and more people are recognizing the advantages of paying in instalments and are using this option to fulfil their desire for an e-bike.
Payment by installments allows you to divide the purchase price of the e-bike into several smaller amounts that you can pay off each month. This makes the purchase of a high-quality e-bike more affordable and you can use the e-bike immediately instead of having to wait a long time to save up for the full purchase price.
Advantages of paying in installments for e-bikes
Installment payments for e-bikes offer a number of advantages that make it easier for you to own an e-bike. Here are some of the most important advantages:
1. financial flexibility: by paying in installments, you can spread the purchase price of the e-bike over several months or years, depending on the term you choose. This gives you more financial flexibility and allows you to pay off the e-bike in small, affordable installments.
2. immediate ownership: Instead of waiting a long time to save up for the full purchase price, you can use the e-bike as soon as you have paid the first installment. This means you can start your adventures on two wheels sooner.
3. higher quality: By paying in installments, you have the opportunity to buy a high-quality e-bike that may be above your current budget if you had to pay for it in full right away. You can choose an e-bike that suits your needs and desires without compromising on quality.
Installment payment options for e-bikes in Switzerland
In Switzerland, there are various options for paying in installments when buying an e-bike. Here are some of the most common options:
1. financing directly at the dealer: some bike dealers offer the option of paying in installments directly at their store. They work with providers such as Crowd4Cash, who handle the entire credit process for the dealer. You can select the e-bike you want to buy and discuss the details of the installment payment with the dealer. This means that you know whether the financing will work as soon as you buy the e-bike. Crowd4Cash has developed a leading credit process in Switzerland that enables an immediate credit decision. As a rule, you can then take the e-bike with you straight away.
2. online financing: There are also specialized online financing companies that specialize in instalment payments for e-bikes. You can apply for financing online and usually receive a response quickly. This can be a convenient option as you can make the application from home. The disadvantage is that in most cases you will have to discuss the details with the dealer again. It is best to contact Crowd4Cash to discuss the best financing option.
3. classic bank loan: Another option is to take out a classic bank loan for the purchase of the e-bike. You can compare different banks and find the best interest rates and conditions for your loan. Banks generally only offer loans from CHF 5,000. You also have to wait 14 days for the loan to be paid out. This alternative is therefore not very attractive and is not recommended.
Requirements for the installment payment of e-bikes
Before you decide to pay for an e-bike in installments, you should know the requirements that may be imposed by the various providers. Here are some common requirements:
1. credit score: most e-bike installment providers will check your credit score to ensure that you are able to pay the monthly installments. They may ask about your income, employment situation and credit history.
2. age: Some providers have set a minimum age for e-bike installment payments. As a rule, you must be at least 20 years old to apply for financing.
3. residence status: Depending on the provider, your residence status in Switzerland may play a role. All providers will require you to have a permanent residence in Switzerland in order to apply for financing. In addition, a stay of at least one year in Switzerland is usually required (with a B permit).
The easiest option: arrange payment in installments in the store.
If the dealer is with Crowd4Cash, you can use Crowd4Cash Easy to make an installment payment directly in the store. Crowd4Cash offers attractive interest rates (or even 0% financing) for e-bike financing and has a simple application process that you can complete directly in the store. You will receive the financing decision immediately. As a rule, you can then take the e-bike with you straight away.
If the store is not affiliated with Crowd4Cash and offers instalment payments, this will usually be a specialized financing company. The interest rates are usually relatively high or, in the case of 0% financing, are paid by the dealer. This has the disadvantage that it will not be possible to negotiate a discount or additional services.
How to apply for installment payments for e-bikes
The process of applying for an installment payment for an e-bike can vary depending on the provider, but in general the steps are similar. Here is a general guide:
1. research: find the vehicle that best suits your needs and contact the dealer to see if installment payments are offered.
2. make an application: If the dealer offers installment payments via Crowd4Cash, you can usually either apply for an installment payment directly in the store or clarify the possibility of an installment payment beforehand with a special link. Make sure you have all the necessary information to hand, such as proof of income and ID.
3rd verification: The provider will review your application documents and check your creditworthiness. An instant decision will be made in-store, online you will usually receive a decision within a few hours.
4. approval: If your application is approved, you will receive confirmation and further information on financing.
5. signing the contract: Read the contract carefully and sign it to officially accept the installment payment.
6. purchase the e-bike: Once the contract is signed, you can purchase the e-bike and pay the monthly installments according to the contract. If you make an application in the store, you can usually take it with you straight away.
Tips for choosing the right e-bike for installment payments
If you want to buy an e-bike in installments, there are some important things you should consider to make the best choice. Here are some tips:
1. budget: think about how much you can afford to pay in installments each month and choose an e-bike whose monthly installments fit into your budget.
2. needs: Think about what you mainly want to use the e-bike for. Do you need it for your daily commute, for long tours or even mountain tours? Choose an e-bike that best meets your needs.
3. quality: Pay attention to the quality of the e-bike and make sure it meets your requirements. Read reviews and testimonials from other customers to find out more about the quality of the e-bike.
Frequently asked questions about paying for e-bikes in installments in Switzerland
1. can I change the monthly installments? No, it is generally not possible to change the monthly installments during the term of the contract. Make sure that you plan the installments realistically to avoid financial difficulties.
2. can I pay off the e-bike early? Yes, in principle it is possible to pay off the e-bike early for all options. Check the terms and conditions of your contract to see whether any costs are still being charged.
3 What happens if I can't pay the installments? If you are unable to pay the installments, this can lead to additional charges and a negative impact on your credit score. Make sure that you plan the installments realistically and contact the provider in good time if you have financial difficulties.
Conclusion: Is paying for e-bikes in installments the right choice for you?
Installment payments for e-bikes in Switzerland offer numerous advantages and allow you to own a high-quality e-bike without having to pay the full purchase price immediately. If you want to buy an e-bike and the monthly installments fit into your budget, paying in installments may be a good option for you.
Remember to compare the different providers, check the requirements and select the e-bike carefully to make the best choice. With an e-bike in installments, you can soon start your adventures on two wheels and enjoy the freedom and flexibility of riding an e-bike.
With Crowd4Cash Easy, Crowd4Cash already offers installment payments at many specialist e-bike dealers. If your trusted dealer does not yet offer installment payments, please contact us. We will find a solution for you.