The Car Loan Contract is essential for financing vehicle purchases in Switzerland, providing a legally compliant framework under Swiss financial regulations. This document is used when an individual seeks financing from a financial institution to purchase a vehicle, whether through a dealership or private sale. The agreement must comply with strict requirements under the Swiss Consumer Credit Act (KKG/LCC) and Code of Obligations, including mandatory disclosures about interest rates, total costs, and consumer rights. It contains crucial information about the vehicle, loan terms, security interests, insurance requirements, and enforcement provisions. The document is designed to protect both lender and borrower interests while ensuring transparency and regulatory compliance in Swiss vehicle financing transactions.

1. Parties: Identification of the lender and borrower with full legal names, addresses, and any registration numbers

2. Background: Brief context of the loan purpose and vehicle purchase

3. Definitions: Definitions of key terms used throughout the agreement

4. Loan Details: Principal amount, interest rate, total cost of credit, and annual percentage rate (APR) as required by Swiss Consumer Credit Act

5. Vehicle Information: Detailed description of the financed vehicle including make, model, year, VIN, and purchase price

6. Repayment Terms: Payment schedule, installment amounts, payment methods, and duration of the loan

7. Security Interest: Details of the security interest in the vehicle and registration requirements

8. Insurance Requirements: Mandatory insurance coverage for the vehicle and requirements for maintaining insurance

9. Representations and Warranties: Borrower's confirmations regarding financial status, intended use, and accuracy of provided information

10. Events of Default: Circumstances constituting default and consequences thereof

11. Rights and Obligations: Key rights and obligations of both parties during the loan term

12. Early Repayment: Terms and conditions for early repayment as per Swiss Consumer Credit Act requirements

13. Governing Law and Jurisdiction: Confirmation of Swiss law application and jurisdiction