Hire Purchase

Do you want to buy new MAN products with the latest technology and still stay financially flexible?

Then hire purchase from MAN Financial Services GmbH is the ideal option for you. We optimize the term according to your individual needs. We take your financial situation into account and provide you with a secure calculation basis with the customized installment. With the hire purchase agreement, the acquisition of ownership is already agreed upon at the time of the contract. You will fully repay the financing amount during the contract term and acquire legal ownership of the vehicle upon payment of the final installment.

The economic ownership of the asset lies with you from the start of the contract, meaning you activate the vehicle in your balance sheet and can utilize depreciation options as well as take immediate advantage of any investment grants.

Advantages

• Improvement of liquidity


• Retention of existing credit lines with your house bank


• Utilization of depreciation


• Acquisition of ownership

Credit Classic

The Classic Financing Option
It doesn't always have to be modern. MAN Financial Services offers you all the benefits of classic loan financing with Credit Classic. With Credit Classic, you can design your loan agreement yourself. Different terms and balloon payments provide you with the flexibility you need to find the loan agreement that suits your individual needs.

Advantages

• Term: 12-72 months


• Repayment to zero or with agreed balloon payment


• Acquisition of ownership


• Attractive monthly payments


• Independence and flexibility in contract design


• Utilization of depreciation

3-WAY-Financing

Full Flexibility Until the End of the Contract

With the 3-Way Financing, you retain full flexibility until the end of the contract. Based on MAN Credit and all the benefits of classic loan financing, you have three options at the end of the contract:

• You take over your vehicle for the agreed final payment


• You finance the final payment afterwards


• You return your vehicle to MAN in contractual condition

Advantages

• All the benefits of the loan


• Full flexibility until the end of the contract with three options

3-WAY-Financing

Full Flexibility Until the End of the Contract

With the 3-Way Financing, you retain full flexibility until the end of the contract. Based on MAN Credit and all the benefits of classic loan financing, you have three options at the end of the contract:

• You take over your vehicle for the agreed final payment


• You finance the final payment afterwards


• You return your vehicle to MAN in contractual condition

Advantages

• All the benefits of the loan


• Full flexibility until the end of the contract with three options

Full-Service-Leasing

The Mobility Package from MAN Financial Services GermanyWith MAN Financial Services Full-Service Leasing, you can send your MAN truck on the road without worries, starting from the first kilometer. Budget-friendly, you only pay for the actual usage and don’t have to worry about repairs or maintenance of your vehicle. With Full-Service Leasing, you receive a mobility package that includes innovative and economical MAN technologies, a leasing contract tailored to the contract term and mileage, as well as the MAN ComfortSuper service contract, all from a single point of contact. Save time for what matters most – your business.

Maintenance Pays Off & Service Network on Every Path.Since we fully rely on MAN technologies that are regularly maintained by MAN Service, you can expect low monthly rates and therefore low costs per kilometer. The MAN ComfortSuper service contract ensures thoroughly maintained vehicles that support you on all MAN paths, across Europe. The MAN Service team is available at approximately 1,300 locations across Europe. Trust in reliable mobility. Fixed monthly payments throughout the contract term provide you with a secure and clear calculation basis until the contract ends. At the agreed contract end, simply return the vehicle or extend the leasing contract until the delivery of the new vehicle. MAN assumes the residual value risk. This way, you always use MAN technologies at the latest technological standard.

Advantages

• Fewer interfaces, shorter paths, faster processes


• Price advantages through value retention


• Secure calculation basis


• No residual value risk

Partial Amortization Leasing

Affordable Rates, Full Control, Much Flexibility

With partial amortization leasing, you amortize a portion of the acquisition and manufacturing costs of the vehicle during the contract term, allowing you to benefit from affordable leasing rates and greater financial and planning flexibility. At the end of the term, you can negotiate a contract extension with us. Alternatively, as the lessor, we may exercise our right of first refusal or sell to a third party.

Advantages

• Affordable leasing rates


• Planning security with fixed contract durations and fixed payments


• Tax deductibility of payments


• "Pay-as-you-earn" effect: You pay the leasing rate from the profits generated


• Improvement of balance sheet ratios (equity-preserving)