A solid financing is the foundation

Through AutoPlan you can finance private cars and light trucks. We offer transparent and tailored vehicle financing. You can choose financing model, depreciation alternatives and periods for leasing.

The most common way to finance vehicles is car leasing, where half the VAT on the leasing fee is deductible, as opposed to cash purchase where this is not possible.

There are two types of leasing, financial and operational. Financial leasing is most common in Sweden, whereas operational leasing is more common in the rest of Europe.

Financial leasing
Financial leasing means that the customer sets the residual value for the end of the contract. The car is owned by the finance company which is beneficial from a VAT point of view, and the finance company keeps register of the cars which simplifies for the customer. Financial lease can show on the balance sheet.

Operational leasing
Operational leasing means that the finance company stands the risk for residual values at the end of the contract. Operational leasing is usually somewhat more expensive than financial leasing, since the price includes a risk premium. Operational leasing can have a positive effect on the consolidated balance sheet.