The credit to purchase the offered product is interest-free, but the loan amount (which corresponds to the purchase price) must be repaid in full, as with regulated financing.

The costs of 0% financing are made up of interest costs and the provider's costs, and increase significantly for longer terms. For 48 months, the costs are between 15% and 20%, and can thus halve the profit margin on new watches.

The costs are paid either by the retailer with a reduction in their own profit margin or by the customer through the price premium that the retailer covertly charges.

From a higher purchase price (financing amount), e.g. from CHF 7,000, and a longer financing period, e.g. from 12 months, the financial affordability of the credit for the customer should also be checked in the case of 0% financing. However, the Swiss Consumer Credit Act does not apply to 0% financing, even though the risk of over-indebtedness is almost the same for 0% financing and financing with interest. Yourasset is committed to ensuring that consumers and retailers in the luxury sector are aware of this situation and use the 0% financing offer wisely.

0% financing is particularly suitable for the purchase of smaller items that are paid off over a shorter period of time.

We also see an advantage for the purchase of new luxury goods for purchase prices up to CHF 7,000 and terms of up to 24 months. The costs of the 0% financing are covered by the dealer for the buyer. Therefore, the option is primarily suitable for new watches, where the dealer has a larger profit margin. For pre-owned watches, the dealer will add the costs to the price, as the margins are significantly lower than for new watches.

We therefore recommend that customers pay particular attention to the purchase price in connection with 0% financing, especially for pre-owned watches and Rolex watches. The purchase price includes the additional costs of 0% financing.

Yourasset does not currently offer 0% financing. We plan to add this option in the course of 2025.
For more information, please read our blog post

For purchases costing CHF 5,000 or more and longer financing terms of up to 60 months, regulated financing options are the preferred solution, as they allow consumers to align their purchase with their regular income while taking their financial situation into account. The customer pays interest, but this can be offset against tax. For pre-owned watches, the retailer does not have to charge additional costs, as with 0% financing.

Compliance with consumer credit legislation

• Review of the financial situation of each customer
• Protection against possible over-indebtedness of the customer
• Transparency for the customer regarding their own financial budget

Higher purchase amounts and longer terms

• Customers can finance amounts of up to CHF 250,000 over 60 months
• Customers can offset interest costs against income tax

Consistent dealer fees

• Lower costs for the dealer
• Dealers do not have to compensate for or add the costs