E-Bike Finanzierung, Leasing und Förderung

Together with YouMo and bike financing in Switzerland, you now have the ideal alternative to cash purchases and can buy your YouMo in installments. We are your contact for this, so you get everything from a single source. Find out all about your benefits and take a look at the sample calculations with the respective monthly installments.

• Transparent costs

For YouMo, transparency is the be-all and end-all when it comes to financing and installment purchases. No unexpected costs, predictability and a precise cost breakdown as well as constant installments are guaranteed for you.

• Fair conditions

Financing is always a little more expensive than a cash purchase, but we have very attractive conditions. You can also decide how long the term is and thus determine the monthly installment yourself.

• Everything from a single source

We take care of your financing inquiry and are your first point of contact for any questions about financing. You get everything from one source.

• Discounted insurance on request in the first year

If you want to insure your YouMo against theft or unexpected breakdowns, you can take out TCS bike insurance for the first year with generous discounts. More information below in the text.

• The YouMo is yours in the end

One advantage over leasing: after the last installment payment, the YouMo is yours. Depending on the duration of the financing, this means after just one or two years.

The following sample calculations should give you an idea of what you can expect from the financing.

1. The amount of the purchase price determines the amount of the down payment of 20 percent. The remaining loan amount is then calculated from this.
2. You can also choose the term (12, 18, 24 or 30 months). The longer the term, the lower the monthly installment.
3. In addition to the interest amount, you should also take into account the insurance/fee that frees you from the loan debt in the event of death or disability.

Please note that you can only select the term of 30 months for a purchase price of CHF 5,000 or more. This is relevant, for example, for X500 models as well as the RatRod and Matthias Reim Edition. In the sample calculations, we have also calculated the final amount paid after the end of the financing period. This way you can see directly what the financing "costs" you.

At the moment there are no current subsidy options for buying a new bike. We will inform you as soon as there is news.

It is important to us that you are always safe on the road with your YouMo. That's why you can insure your YouMo inexpensively when you buy a new one. With TCS Bike Insurance (previously TCS Bike Assistance). The TCS bike insurance is THE 24-hour breakdown service for bikes and e-bikes in Switzerland. Whether it's a flat tire, a defective drive, a fall or even theft - with this protection package you are prepared for all eventualities. You can now also take out TCS bike insurance without being a member of TCS. Together with TCS, we have made a low-cost offer possible for you. When you purchase your YouMo, you will receive the following discounts in the first year:

• CHF2'000,- CHF sum insured for 0.00 CHF instead of 69.00 / 57.00** CHF
• 5'000,- CHF sum insured for 59.00 CHF instead of 129.00 / 117.00** CHF
• 9'000,- CHF sum insured for 229.00 CHF instead of 299.00 / 287.00** CHF

**applies to customers who are already TCS members Please note that the offer applies to new TCS bike insurance customers. If you already have TCS Velo Insurance/Bike Assistance, this offer is not possible.

• One specific bicycle / e-bike is insured*
• All bicycles / e-bikes in the household are insured**
• Theft protection and anti-theft vignette
• Repair costs covered by TCS partners and YouMo
• 24h breakdown service / roadside assistance
• Free transportation to our YouMo garage throughout Switzerland
• Guaranteed onward journey
• Replacement bike throughout Europe
• Replacement of equipment
• 100% purchase price compensation in the first 3 years

* Applies only to customers who are not members of TCS, ** Applies only to customers who are members of TCS.   Incidentally, with 1.5 million members, TCS is the largest mobility club in Switzerland. Feel free to ask us your questions and we will give you transparent answers about the offer so that you can decide whether TCS bike insurance is worthwhile for you.

In Germany, you have the option of leasing your YouMo. Leasing is handled by our partner JobRad. JobRad is for employees and the self-employed who are looking for a leasing option instead of buying a YouMo.

JobRad GmbH has been making the well-known company car leasing possible for e-bikes since 2008. This means that it is not you who leases the YouMo, but your employer. You can then ride the YouMo to work, in everyday life or on vacation. Incidentally, JobRad is also a leasing solution for the self-employed. The biggest advantage is that you save a lot on leasing. But more on that later.

In order for you to use JobRad, your employer must offer JobRad. In Germany, more than 30,000 small and large companies already belong to this group. Well-known companies include Barmer, Bosch, DB, Hornbach, Lufthansa Group, Rothaus, RWE Group, Vaude and many more. If your employer does not yet offer JobRad, you can request information material for the company you workfor here. This will certainly convince your employer.

As soon as your employee has registered with JobRad, you can choose your desired YouMo either in our store or at a YouMo dealer.

• If you would like advice from a YouMo dealer first, they will be happy to provide you with a quote and send it directly to the online JobRad portal
• Alternatively, you can request a quote via the online JobRad portal

  Now you can make an order request for your YouMo. Your employer then approves the order and we bring the YouMo to you.

• You save money, but not on YouMo

JobRad is at least 40 percent cheaper than buying one. If your employer also offers the YouMo as a salary extra, the leasing is completely tax-free for you.

• More than just a YouMo on the way to work

You can of course also use your YouMo in your everyday life, in your free time or on vacation for bike tours. You determine the paths and roads.

• Driving YouMo, but safely

Your YouMo JobRad is automatically covered by fully comprehensive insurance including mobility guarantee. You don't need to worry about extra insurance.

• YouMo service throughout Germany

With JobRad, you can choose your own premium dealer for the service and optionally opt for an annual check-up. For an additional 5 euros a month - paid by many employers - you will receive an inspection up to a value of 210 euros per year free of charge.

• We are there for you throughout Germany

As a JobRad specialist retail partner, our YouMo dealers and our local service team are there for you throughout Germany.

• After 36 months, the YouMo may be yours

In general, you must return your YouMo JobRad to JobRad after three years of leasing. You may also be able to take over the YouMo at the end of the leasing contract.

• Leasing accessories? That's possible

Bags, bike baskets, child seats, mudguards, pannier racks, replacement batteries and many other accessories can easily be included in the lease.

To calculate the monthly amount that will actually be deducted from your net salary, simply enter the purchase price of your desired YouMo, your gross salary and your tax class. You will then also be shown the relative savings. This amount means how much you save on a three-year lease compared to buying. If you want to know exactly, you can use the "Advanced mode" for the calculation. Simply click on the red button below the leasing calculator.

With JobRad, your YouMo is automatically insured and you don't have to worry about any extra insurance.

The JobRad fully comprehensive insurance including mobility guarantee protects you against:

Electromobility is promoted and you can easily save money when buying a YouMo. We inform you here about the current funding programs in Germany so that you don't miss any opportunities. In our blog, we explain in detail how the individual funding programs work, who is eligible and how you can apply for funding. Current funding programs:

• 500 euro subsidy in Baden-Württemberg: Update, subsidy expired
• Funding in Munich: Runs until 31.12.2020
• Funding in the district of Erlangen-Höchstadt: runs until 31.12.2022
• Funding from the town of Wolfratshausen

If you have any questions about your options for financing, leasing, subsidies or insurance, please contact us. E-mail: sales@youmo.ch Phone: +41 55 552 05 11 Contact form: Send message now Of course, you can also get advice directly from our YouMo dealers. Click here to go to the dealer search.