--- alternate_lang: de date_added: '2026-06-10T07:43:04.353000+00:00' date_modified: '2026-07-06T10:01:49.437668+00:00' description: Leasing or Purchase via Credit Financing? Which is cheaper? Compare using the true effective interest rate! You are faced with the decision between vari keywords: - LinkedIn lang: en title: Leasing or Purchase via Credit Financing? type: article url: http://leasing-pilot.com/en/news/leasing-or-purchase-via-credit-financing/ --- 1. [News](/en/news/) 2. Leasing or Purchase via Credit Financing? # Leasing or Purchase via Credit Financing? Leasing or Purchase via Credit Financing? Which is cheaper? Compare using the true effective interest rate! You are faced with the decision between vari ![Leasing or Purchase via Credit Financing?](/media/thumbs/news_image/linkedin-a6ae6f84aa.webp.400x400_q85.webp) Leasing or Purchase via Credit Financing? Which is cheaper? Compare using the true effective interest rate! Are you facing a decision between various leasing or hire purchase offers, or whether you should alternatively draw on your loans? And are you unsure how to compare the different terms as quickly and effectively as possible? 👉 We have the solution for you! LeasingPilot has developed the first leasing and hire purchase calculator that takes all remuneration components into account and enables you to compare them by calculating the effective interest rate. Our free leasing calculator considers not only the obvious aspects such as 🔹Term, 🔹Installment and 🔹Residual value, but also 🔹Processing fees, post-lease revenues, advance rent, etc. 👉It can also calculate irregular payment schedules (e.g., degressive installments or seasonal rates)! 👉 Our goal is to save you time and effort while providing transparency, so you can make the best decisions for your business! We are also happy to advise you on why the nominal interest rate alone should not always be the determining decision criterion. 👉 Our tip: When comparing the result with other financing options, please ensure that 🔹 fixed rates are not compared unadjusted with variable rates, 🔹 only identical terms are directly comparable, and that the effective interest rate must also be calculated for loans, factoring, etc., to avoid comparing apples with oranges: 🔹Loans: 4 or 12 interest payments per year? 🔹Allocation of the arrangement fee or setup and legal advisory costs? Our experts are happy to assist you and provide comprehensive advice on all questions relating to leasing and hire purchase – including pricing! 👉 There are many situations in which leasing is significantly cheaper than a loan! Hard to believe? Let's talk! [View on LinkedIn](https://www.linkedin.com/feed/update/urn:li:activity:7470379997501947904/)