The difference between buying and leasing a car is purely based on your personal preferences as a consumer. Nevertheless, there are a few nuances between the two financing solutions, and it's up to you to decide. Between comfort, insurance, budget..., find out in this article what leasing and loaning can do for you.
Not at all! Lease Plus and personal loan are two different concepts but with the same goal: helping you get hold of the car that you want.
The big difference between personal loan and Lease Plus* lies in the concept:
- Buy and take care of everything that owning a car involves. For example: taking your vehicle for MOTs and regular servicing, thinking about changing tyres when the season changes, finding an insurer, etc.
- Leasing means that you don't own the vehicle. You do, however, pay a rent that you know in advance, and you know that this rent covers everything! You don't have to worry about a thing! No worries about maintenance, insurance, etc. All you have to do is drive it... and remember to fill up or recharge the batteries.
Both options are affordable and accessible to everyone! (* the Lease Plus offer is reserved for Luxembourg residents)
If you find you don’t have the time or don’t necessarily feel like scouring a large number of garages and would prefer us to offer you a new, well-equipped car at the best possible price, then our Best Deals are made for you!
We work alongside certain dealerships to regularly offer models to suit all tastes, all at an unbeatable price.
You can apply for a joint personal loan, for you and your partner*, directly via the store in S-Net or S-Net Mobile.
And that in a few minutes, without having to go anywhere, provided of course that you both have an S-Net agreement.
*If your partner's data are not indicated in S-Net, please contact your branch.
Absolutely! The only difference with a leased car is that you always contact Lease Plus customer service rather than the manufacturer's customer service department! Besides, Lease Plus gives you the choice of paying fixed monthly rents that cover all costs (tyres, maintenance, road and registration tax, insurance and MOT, etc.), whereas with a personal loan you don't necessarily know what these costs will be in advance, and you have to pay them when they fall due – which is only to be expected, since you own the car!
The value of a car decreases over the years, which implies a loss of money when reselling it. This is mainly due to the fact that, on the one hand, car technology is constantly improving (batteries that last longer for hybrid or electric cars, more innovative materials, etc.) and that the supply is constantly increasing. Leasing can be the solution to this loss. It all depends on the average length of time you usually keep your cars. If changing your car every 3 to 5 years is more appealing to you than keeping your car for 10 years, leasing may be more suitable for you.
At the end of the day, it’s simply a matter of choice!
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Are you among the majority of taxpayers who file their tax returns in December? What if we tell you it isn’t a good idea? To start filling in your tax return at the beginning of the year is much better, and in this article we explain why.
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The main things we remember about the housing sector over the past 12 months are the rise in interest rates and the fall in property prices. However, following their fall in 2024, property prices in Luxembourg have now stabilised, and the many measures designed to boost the sector have finally been extended until 1 July 2025. This is good news if you are planning to buy in the near future, as the first half of 2025 is the ideal time to get your property plans back on track.
The difference between buying and leasing a car is purely based on your personal preferences as a consumer. Nevertheless, there are a few nuances between the two financing solutions, and it's up to you to decide. Between comfort, insurance, budget..., find out in this article what leasing and loaning can do for you.
![[Translate to English:]](/fileadmin/_processed_/0/7/csm_418_FIN_Comment_aider_vos_proches_fb09bfdab1.jpg "[Translate to English:]")
With the replacement of the physical Token by the LuxTrust Mobile application, borrowing the Token from your parents or any other person to make their payments or bank transactions is no longer possible. It is simply not legal. Using someone else's Token, even with their consent, is comparable to borrowing an identity card, which is strictly forbidden. Payments can still be made, but in a more secure and legal way. We give you some advice on how to do this in this article.
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In an increasingly digital world, financial fraud is becoming more and more sophisticated. We are committed to protecting our customers by informing them of current fraud trends and providing them with the tools they need to guard against these threats. This article aims to raise awareness of the various types of fraud and to offer practical advice on how to avoid becoming a victim.
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You've heard so much about them that you can't ignore them any longer. Especially as you now see them just about everywhere… except on your roof! Now is the time to take a more serious interest, for the sake of our planet!
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Buying to renovate, or simply renovating your property after several years because it no longer meets today's energy standards, is a great project that requires certain knowledge. Before taking the plunge, you should find out what's new in the energy sector by contacting various suppliers and also by checking out all the state aid and private support available to ensure you get the most favourable financing. In this article, we'll look into the good reasons to start an energy renovation project this year.
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Sophie and Marc are always squabbling about the same thing. While Marc is a big fan of Apple products, Sophie goes out of her way to use devices made by competitor brands – just to annoy him. And with the message that she has just received from her bank, the war is declared!
![[Translate to English:]](/fileadmin/_processed_/2/1/csm_375_FIN_payer_ses_vacances_carte_credit_f1a93aa74d.jpg "[Translate to English:]")
That's it, your annual leave is booked, now it's time to start organising your holidays! Has anything unexpected ever happened to you before you went on holiday? Since then, do you still hesitate to take out cancellation insurance? Find out in this article about the insurance and assistance services available to you, depending on the payment card you use to pay for your trip.
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Halfway through our careers, we look back and wonder why we didn’t think about the future sooner. Did you know that even as a non-resident, you can take out a supplementary pension, with all its benefits? Why is the S-Pension private pension scheme the right choice at this stage in your life?
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Completing studies: check. Finding the first job: check. Having a head full of plans reminds you that you have your whole life ahead of you to achieve them, because you’re young. However, this is precisely why we need to talk to you about your retirement. Retirement may still seem a long way away to you, but read this article to understand why now is the right time to think about it!
Your child is about to turn 18 - it’s hard to believe he is an adult now! It seems like just yesterday that you held him in your arms for the first time. That was, however, already 18 years ago. Time really does fly! The only thing that matters for him right now is to pass his driving licence and buy his first car.
