GET SUBSIDIES AND SAVE MONEY
LEASING & FINANCING
You can easily lease your bike or finance it through installments – saving not only emissions but also a significant amount of money! We'll explain how in this article.
LEASING VS. FINANCING
Which is cheaper: leasing or financing? This question can be answered with a clear "It all depends" – namely, whether your employer offers company bike leasing or whether you can benefit from financial support from the federal government, states, municipalities and social institutions.
Generally speaking, financing a cargo bike is eligible for subsidies and can be granted with several thousand euros – this isn't always the case with leasing. Nevertheless, leasing often offers greater savings potential: For example, with company bike leasing, you benefit from employer contributions and significant tax advantages (the latter also applies to the self-employed). Furthermore, insurance and maintenance are usually already included in the monthly price.
When it comes to financing, on the other hand, you often have more freedom: You can individually control your regular and long-term burden – through the amount of the down payment and monthly contributions.
LEASING
- high tax advantages
- The employer covers part of the costs
- Maintenance and insurance included at a low price
- Depending on the employer, sometimes capped
- Cargo bike subsidies are rare
Financing
- always combinable with cargo bike subsidies
- Anyone can do it – without an employer
- Conditions can be individually adapted
- There are low financing costs
- Tax advantage small or zero
SERVICE STREET LEASING
If you'd like to lease your MÄX & MÄLEON, the easiest way is through your employer or – if you're self-employed – through your own business. We partner with all leading company bike providers, so you can arrange the lease directly with us – or with the dealer of your choice.
SERVICE STREET LEASING FOR EMPLOYEES
Your employer leases the MÄX & MÄLEON for you – the monthly payments are automatically deducted from your salary. Thanks to tax advantages, you save up to 40% compared to a traditional purchase. If you lease the bike in addition to your salary, you can even ride it completely tax-free. This means you can lease a MÄX & MÄLEON from €100/month – and save up to €3,000 depending on the model! After three years, you can usually buy the bike for a low final payment and keep it forever.
SERVICE STRAD LEASING FOR THE SELF-EMPLOYED AND FREELANCERS
Self-employed individuals and freelancers can also cycle tax-free – thus preserving their cash flow. Lease payments and the running costs of a company bike are business expenses and therefore tax-deductible. If you are entitled to deduct input tax, you can also deduct the VAT included in the lease payments.
In your tax return, you can continue to claim a flat-rate mileage allowance of €0.30 per kilometer for your commute to work using your company bike – without the hassle of a logbook. After three years, you can usually buy the bike for a low final payment and keep it forever: The leasing provider will typically offer you around 10% of the original purchase price.
CALCULATE YOUR ADVANTAGE
With Jobrad's leasing calculator, you can quickly and easily calculate your savings. Simply enter the purchase price of your desired bike, your gross salary, and your tax bracket. The advanced settings allow you to calculate a precise result – for example, taking into account your employer's contribution or your insurance payments.
LEASING EXAMPLES
PASSENGER
PASSENGER BIKE (Standard): €8,490
Gross monthly salary: €3,000
Tax class: 1
Monthly gross payment: €247
Relative savings (30%): €2,605
36 monthly payments (net): €142
TRANSPORTER
TRANSPORTER BIKE (Standard): €7,490
Gross monthly salary: €3,000
Tax class: 1
Monthly gross payment: €218
Relative savings (31.5%): €2,361
36 monthly payments (net): €128
Our LEASING PARTNERS:
THE MÄX & MÄLEON FINANCE
If company bike leasing isn't an option for you, we'd be happy to advise you on other financing options – for example, a personal loan with installment payments. Where possible, we'll also incorporate any available subsidies and find the best price for you.
- Funding available & monthly installments
- The bike is yours – your lifelong companion!
- Full flexibility regarding down payment and term
CREDIT CALCULATOR
Your bank sets the interest rate based on your creditworthiness and the loan term. Experiment with the slider to see the difference.
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Non-binding example calculation, not a loan offer or financing brokerage. Assumption: Fixed-rate loan with a constant monthly payment. You will receive actual terms and conditions from your bank. An independent comparison can be found, for example, at Finanztip.
How does MÄX & MÄLEON financing work?
For MÄX & MÄLEON financing starting at €10,000, we recommend the personal loan from GLS Bank – the terms apply equally to cargo bikes and electric cars. However, we are also happy to work with your preferred lender.
Configure
You configure your desired cargo bike in the configurator and send us an inquiry. We will contact you shortly afterwards to check your eligibility for funding.
Funding Check
We will put together the cheapest financing package with you (and, if applicable, your dealer) – all you have to do is send in the applications and look forward to your cargo bike.
Pay monthly
After the financing is approved, you transfer the agreed down payment – and then enjoy the Breeze with fixed monthly installments.
CARGO BIKE PROMOTION
Save up to 70% on your MÄX & MÄLEON cargo bike purchase? Subsidies make it possible! We'll explain next whether and how your purchase can be subsidized and which subsidies and financing options can be combined.
PRIVATE USE
Federal states and municipalities
There are numerous funding opportunities available from federal states and municipalities – in the best case, several thousand euros. You can find an overview of more than 100 funding opportunities in Germany and Austria at cargobike.jetzt.
Action Mensch
Aktion Mensch supports the purchase of cargo bikes by non-profit organizations. Under the "Mobil mit Rad" (Mobile with Bike) program, full funding is provided without any required equity – up to €20,000 for e-cargo bikes specifically designed for transporting people with disabilities. (Learn more about this in our Inclusion Speedster.)
Regional social institutions
Many social service organizations are open to collaborations, especially when it comes to transporting people with disabilities. We're happy to share our knowledge and experience with you – just get in touch!
SELF-EMPLOYED AND FREELANCE
Federal Ministry for the Environment / BAFA
You're self-employed, a freelancer, or have a business with a trade license – great! Then you can receive generous funding from the BAFA (Federal Office for Economic Affairs and Export Control). Specifically, 25% of the purchase costs, up to a maximum of €2,500, are covered for commercial e-cargo bikes and e-trailers with a 25 km/h pedelec drive.
Rent-to-own is eligible for funding, while leasing is not. You can combine BAFA funding with subsidies from federal states and municipalities, provided the latter allow it. The TRANSPORTER BIKE has a payload capacity of up to 110 kg and is therefore eligible for funding; the PASSENGER BIKE is a bit more complex, so please contact us beforehand.
The application to BAFA must be submitted before ordering – the purchase can only be initiated after receiving a grant notification. A further advantage: You can depreciate the cargo bike over several years and thus save significantly on taxes.
Further funding opportunities for self-employed individuals and freelancers can be found at cargobike.jetzt.
The liquidity-saving alternative is company bike leasing ↑
FAQ: Frequently Asked Questions
We'll help you navigate the financing and funding jungle! There's a suitable financing or funding option for almost every situation – contact us directly or a MÄX & MÄLEON dealer. We've helped many customers with financing and funding questions – just give us a call for a free, no-obligation consultation: +49 69 870043090
Yes! Every MÄX & MÄLEON dealer can offer financing.
It depends – it depends on your personal situation. Employees, in particular, benefit from company bike leasing, as you can save up to 40% compared to buying outright. With cargo bike financing, you can take advantage of subsidies. So, with both leasing and financing, you can save real money!
When it comes to company bike leasing as an employee, it depends on your employer. So, clarify what the rules are at your company. There's no upper limit on the financing. There's also no upper limit for self-employed individuals.
When you buy directly, you can take advantage of the cargo bike subsidy. This isn't always possible with leasing. Furthermore, you'll receive the bike fastest with a direct purchase because you can simply order it and don't have to wait for any confirmations.
Combining subsidies and leasing for cargo bikes is often not possible. However, some municipalities are already rethinking their policies, so it's best to check the funding conditions in your area.
Cargo bike subsidies and financing can always be combined – at least we are not aware of any case where this isn't possible 😉
No, we don't receive any commission. We are proud vehicle manufacturers and want to ensure through financing that everyone can afford the best – a MÄX & MÄLEON.
Yes, but then it's a bit more complicated. We'd be happy to explain it over the phone!
Unfortunately not – our financing partner only offers this installment loan to private individuals. However, you can still finance your MÄX & MÄLEON with a small loan for the self-employed. You can compare small loans at Verivox
You can also use company bike leasing here. The advantage is that the lease doesn't appear on your balance sheet. With financing or direct purchase, you can, of course, save significantly on taxes, since you have no or very low financing costs and can depreciate the bike over several years.
No – our financing partner only offers this financing to private individuals. Are you using a small loan for self-employed individuals or can you even use financing through your bank? Great, then you can combine BAFA funding and financing.