Do you know how much your car really costs you each month?

You know the purchase price. But do you truly know its real monthly cost? Unexpected expenses, hidden fees, depreciation… What if there were a solution that let you drive with peace of mind, on a fixed budget, with no unpleasant surprises?

Contact us!

Monday to Friday, 8:00 AM - 5:30 PM (5:00 PM on Fridays)

Scroll

Invisible costs…
until the day they hit.

People often think the biggest cost of a car is its purchase price. But with maintenance, repairs, tires, insurance, and taxes, the reality is very different. Plus the time you spend managing it all… and the drop in value when you sell. Have you ever added it all up?

01

Maintenance & repairs

Oil changes, filters, brakes… even without a breakdown, a car requires regular maintenance. And when a warning light comes on or a problem arises, the bill climbs without warning.

02

Tires, insurance & taxes

Changing your tires twice a year, paying for insurance, covering taxes and registration… all recurring expenses that add up in your annual budget.

03

Lost time & resale

Scheduling appointments, handling paperwork, comparing quotes… And when it’s time to resell, you have to accept a major loss in value. All of this costs you time… and money.

With operational leasing, everything is included for a fixed monthly price

What if everything was planned from the start? With operational leasing, you drive with peace of mind: everything is included in a fixed monthly fee, with no hidden costs. Control your budget and enjoy.

Discover operational leasing from your point of view:

Let’s take a look together

Stop the misconceptions

Operational leasing is sometimes misunderstood. Certain misconceptions are still circulating… and they can unnecessarily hold back your decision. Let’s set the record straight.

Leasing costs more than buying a car!
False
Why is that false?

With leasing, you benefit from predictable expenses, a fixed budget, and above all, full control over your car’s total lifecycle costs!

Arval’s expertise in its field is a major advantage—not only for your wallet but also for your peace of mind (guaranteed mobility, a single point of contact, etc.)

At the end of a leasing contract, you can get stuck with extra fees!
False
Why is that false?

No matter how you finance your car, when the time comes to resell it on the used car market, any damage will influence the price set by a potential buyer. In the case of a leasing contract, Arval sets a monthly payment based on the assumption that the vehicle will be returned in “normal” condition, without damage, when it reaches the end of the contract and goes to the used car market. Full transparency is ensured if the vehicle shows damage that cannot be considered normal wear and tear. A return guide is also provided to explain the method used in detail.

Too many or too few kilometers at the end of your contract? No problem—our adjustment rates, provided at the time of signing, allow you to calculate your actual needs yourself.

With the increase in the taxable benefit in kind, I might as well keep my car budget to buy a vehicle outright.
False
Why is that false?

A company car still offers many advantages compared to purchasing a vehicle personally.
The taxable benefit in kind has always existed, and if you still need convincing that a company car remains advantageous today, head over to the “Proof in numbers” section.

Operational leasing, the ideal alternative to buying !

Proof by facts

Economical
With a fixed monthly payment, you only pay for using the car. No hidden surprises, no resale losses, no depreciation worries — your savings remain intact.
Simple
Everything is centralised: one contract, one monthly payment, and all services included. You avoid multiple procedures and unexpected costs.
Secure
Insurance, maintenance, repairs, roadside assistance: everything is covered. You drive with peace of mind and no unexpected costs.
Predictable
The cost is known from the start and remains fixed throughout the entire contract. You stay in control of your car budget.
Flexible
You can easily adjust the contract duration or mileage along the way — leasing adapts to your real needs.
Renewable
At the end of the contract, you return the car and drive away with a new model. You’ll always be driving a recent vehicle.

Save time. Focus on what matters most.

Why waste time managing a vehicle? Arval takes care of everything: maintenance, repairs, roadside assistance, tires, insurance… You just drive. And with a fixed monthly payment, your budget is under control and your mind at ease.

Proof in numbers

Mercedes CLA

Financing comparison(1) for:

Électric

MERCEDES CLA

Vehicle category
Sedan
Number of seats
5 seats
Tucson

Financing comparison(1) for:

Hybrid

hyundai TUCSON

Vehicle category
Sedan
Number of seats
5 seats

Operational leasing

Catalogue price:
56.511 € TTC
Fleet discount 11%:
Negotiated discount thanks to Arval's bulk purchases
- 6.216 €
Purchase price:
50.295 € TTC
Lease payment:
Rent invoiced monthly to the employer
739 €
588 €
Maintenance & repairs:
Included in the lease payment
Tires:
Included in the lease payment
Insurance:
Included in the lease payment
Taxes:
Included in the lease payment
Roadside assistance:
Included in the lease payment
Total monthly cost:
739 €
588 €
Impact for the employee:
Benefit in kind (gross):
Until the end of 2026, the benefit in kind (BIK) for 100% electric cars is set at 0.5% (or 0.6% depending on consumption) - compared to 2% for all other engine types.
254 €
Represents a net impact on salary of:
118 €
VAT - QM deduction (gross)
The provision of a car by an employer to an employee is considered a ‘long-term vehicle hire’ and is therefore subject to VAT in the employee's country of residence.
481 €
396 €
Represents a net impact on salary of:
124 €
99 €
Actual final monthly cost:
The monthly cost is fixed for the entire duration of the operational leasing contract. No unpleasant surprises, everything is included.
242 €
217 €

Based on a 60-months lease and 10000km/year

Private car

Catalogue price:
56.511 € TTC
Manufacturer discount 4%:
Maximum discount granted by the dealer to an individual customer
- 2.260 €
Purchase price:
54.251 € TTC
Credit monthly payments:
Monthly car loan payment, based on 48 months, with zero down payment
1.246 €
996 €
Maintenance & repairs :
Monthly fee for a service contract with the dealer (includes basic servicing and wear parts, excluding tyres)
79 €
47 €
Tires :
62 €
31 €
Insurance :
187 €
Taxes :
3 €
Roadside assistance :
10 €
Total monthly cost:
1.587 €
1.274 €
Deductible expenses:
Electric government bonus:
Bonus granted by the government to Luxembourg residents at the earliest 12 months after the vehicle is put into service. The amount granted by France is only €3,100 for French residents.
6.000 €
Either a monthly deduction of:
-125 €
-100 €
Resale price at the end of the loan term:
Estimated resale value of the vehicle at the end of the loan term, provided it is in good condition.
24.200 €
25.100 €
Either a monthly deduction of:
-504 €
-418 €
Leasing allowance:
If you choose not to take the company car you are entitled to, some employers pay you the equivalent of your leasing allowance instead, with social security contributions deducted.
750 €
600 €
Either monthly addition to net salary:
-405 €
-324 €
Estimated final monthly cost:
The estimated final monthly cost is calculated over the term of the loan, taking into account the vehicle’s resale value and the electric bonus received. This estimate assumes no breakdowns or accidents that would generate additional costs.
553 €
396 €

Based on a 60-months loan with zero down payment

Operational leasing

Prix catalogue
50.111 € TTC
Remise Fleet 11%:
Réduction négociée grâce aux achats en grande quantité d’Arval.
- 22%
Prix final:
40.215 € TTC
Loyer leasing:
Loyer facturé mensuellement à l'employeur
609 €
Entretien & réparations:
Inclus dans le loyer
Pneus:
Inclus dans le loyer
Assurance:
Inclus dans le loyer
Taxes:
Inclus dans le loyer
Assistance:
Inclus dans le loyer
Loyer leasing mensuel:
609 €
Impact pour l'employé:

Avantage en nature (brut):

Soit un impact net de:
Jusque fin 2026, l'Avantage en nature (ATN) pour les voitures 100% électriques est fixé à 0,5% (ou 0,6% selon sa consommation) - Contre 2% pour toutes les autres motorisations.

804 €

274 €

Arrêt QM (brut):

Soit un impact net de:
La mise à disposition d’une voiture par un employeur à son salarié est considérée comme « une location de véhicule à long terme », et donc soumise à la TVA dans le pays de résidence du salarié

396 €

135 €

Coût final par mois :

409 €(1)
(1) Basé sur un leasing de 60 mois et 10000km/an

Voiture privée

Prix de base:
50.111 € TTC
Remise constructeur 4%:
Remise maximale octroyée par le concessionnaire à un client particulier.
-9%
Prix final:
46.230 € TTC
Mensualités crédit :
Mensualité d'un crédit auto, basé sur XX mois, sans apport
861 €
Entretien & réparations :
Tarif mensuel pour un contrat d'entretien chez le concessionnaire (comprend l'entretien de base et les pièces d'usure hors pneumatiques)
41 €
Pneus:
35 €
Assurance:
171 €
Taxes:
3 €
Assistance:
10 €
Coût total mensuel:
1.121 €
Charges déductibles:

Prix de revente 60 mois:

Soit un impact net de:

20.000 €

-333 €

Enveloppe employeur (brut):

Soit un impact net de:
Réduction négociée grâce aux achats en grande quantité d’Arval.

609 €

-207 €

Coût final par mois :

788 €(2)
(2) Basé sur un crédit sur 60 mois sans apport

Contact us!

Choose the contact that best fits your situation.

Already a customer
Already have an account with us?
Get in touch with our dedicated customer service.
Contact us using the form below
Fill out the form
or by phone Monday through Friday from 8:00 a.m. to 5:30 p.m. (5:00 p.m. on Fridays)
(+352) 44 91 80 1
Not a customer yet?
Discover our services and let our advisors guide you.
Contact us using the form below
Fill out the form
or by phone Monday through Friday from 8:00 a.m. to 5:30 p.m. (5:00 p.m. on Fridays)
(+352) 44 91 80 1