Car Subscription Calculator - Family Subscription
Calculate the cost of a car subscription (Swapcar, Bipi, etc.) and compare with LLD and purchase.
💳 AUTO FINANCING: Monthly payments and credit costs shown are ESTIMATES based on average market rates. The actual APR depends on your profile (income, down payment, credit history), the lender, and current conditions. These calculations do NOT constitute a credit offer. For financing, contact multiple lenders and compare PERSONALIZED offers. Credit is a commitment and must be repaid.
Frequently Asked Questions
What is a car subscription?
An all-inclusive formula (insurance, maintenance, assistance) with fixed monthly payment and flexibility to change vehicle or cancel depending on plans.
Subscription vs LLD: what's the difference?
Subscription offers more flexibility (short or no commitment) but costs 10-20% more. LLD commits for 2-4 years but costs less.
Can I change cars during subscription?
Yes, that's the main advantage. Depending on plans, you can change every month or every 3 months.
What fees are included in the subscription?
Generally: comprehensive insurance, maintenance, 24/7 assistance, tires. Fuel remains your responsibility.
Is car subscription suitable for professionals?
Yes, professional plans exist with VAT recovery and simplified fleet management.