---
title: Who has ownership of the car while you are paying off the private credit?
description: Who has ownership of the car while you are paying off the private credit?
---

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1. [Help Centre](https://help.gowago.ch/en?hsLang=en)
2. [Private Credit](https://help.gowago.ch/en/private-credit?hsLang=en)

# Who has ownership of the car while you are paying off the private credit?

In Switzerland, ownership of the car is at all times with the debtor during the credit term. This distinguishes car credits as a financing method from leasing, where ownership of the car rests with the bank during the leasing contract.

- [How gowago.ch works](https://help.gowago.ch/en/how-gowago-ch-works?hsLang=en#main-content)

    - [Finding a car](https://help.gowago.ch/en/how-gowago-ch-works?hsLang=en#finding-a-car)
    - [Applying for a lease](https://help.gowago.ch/en/how-gowago-ch-works?hsLang=en#applying-for-a-lease)
    - [Receiving a car](https://help.gowago.ch/en/how-gowago-ch-works?hsLang=en#receiving-a-car)
- [Leasing](https://help.gowago.ch/en/leasing?hsLang=en)
- [Private Credit](https://help.gowago.ch/en/private-credit?hsLang=en)
- [All-in-one](https://help.gowago.ch/en/all-in-one?hsLang=en#main-content)

    - [Getting started with All-in-one](https://help.gowago.ch/en/all-in-one?hsLang=en#getting-started-with-all-in-one)
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    - [Extended warranty](https://help.gowago.ch/en/all-in-one?hsLang=en#extended-warranty)
    - [Tyres, changes, and storage](https://help.gowago.ch/en/all-in-one?hsLang=en#tyres-changes-and-storage)
- [Managing your account](https://help.gowago.ch/en/managing-your-account?hsLang=en)
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