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Comparison — LOA vs Credit vs Nuvero Subscription

Criteria	HP (Hire Purchase with Option to Buy)	Car Loan	Nuvero (Luxury Subscription)
Initial deposit	❌ Deposit of 10 to 30 %	❌ Deposit of 10 to 20 %	✅ No deposit required
Commitment period	❌ Fixed 36 to 72 months	❌ Rigid 48 to 84 months	✅ 12 months, flexible and renewable
Insurance included	❌ Not included	❌ Not included	✅ Yes, comprehensive and premium
Maintenance & assistance included	⚠️ Sometimes included depending on the contract	❌ At the customer’s expense	✅ Yes, all-inclusive
Registration & taxes	⚠️ Sometimes billed separately	❌ At the owner’s expense	✅ Included in the monthly payment
Environmental penalty tax	❌ Penalty included in the price	❌ Penalty payable on purchase	✅ No penalty (covered by Nuvero)
VAT (Andorra)	❌ 20 % (France)	❌ 20 % (France)	✅ Only 4.5 %
Vehicle depreciation	⚠️ Partially borne if you buy it out	❌ Entirely at the owner’s expense	✅ No loss — Nuvero takes the depreciation
Resale management	⚠️ Possible but complex	❌ To be handled yourself	✅ None — simple return
Access to rare / bespoke models	⚠️ Limited to the lessor’s models	❌ Depends on your budget	✅ Yes, bespoke acquisition possible
Flexibility to change	❌ Long commitment	❌ Resale required	✅ Free annual change
Tax treatment (professionals)	⚠️ Partially deductible	❌ Vehicle on the balance sheet, long depreciation	✅ Deductible rentals, no fixed asset
Experience & customer service	⚠️ Standardised	❌ No personalised service	✅ Luxury, concierge service, support
Debt-to-income ratio	❌ Debt-to-income ratio increased	❌ Debt-to-income ratio increased	✅ Does not affect your debt-to-income ratio

The model of your dreams thanks to our tailor-made subscription solution

Every car is a signature.
We’re not talking about driving, but about living the exceptional.
Luxury is no longer about owning.
It’s about being able to afford the privilege of change.
The constraints of ownership are a thing of the past.
Here, you can change models as you please, without compromise, every year.
Our promise: total luxury, effortlessly.
Everything is taken care of. All that remains is pure, immediate pleasure.
The Nuvéro Club is not a service. It is a privilege.
Because true luxury today is the freedom to enjoy it differently.

Change your car. Keep the exclusivity.

Contact an adviser

Les privilèges de NUVERO

Aucun entretien

Aucune contrainte

Pas d’assurance à souscrire

Tout est inclus

Pas d’apport obligatoire

Tout est inclus

Une mensualité claire

comme un crédit… sans les inconvénients.

Une durée d’engagement

de 12 mois

Aucune perte liée à la décote

Votre taux d’endettement reste intact

Les investissements restent possibles

Déductible en frais d’entreprise

Jamais sur le salaire

Plus de revente à gérer

Jamais

Zéro frais imprévus

Zéro surprise

Une solution souple

Qui évolue avec vous

Comparatif : Crédit classique vs LOA vs Nuvéro

Avantages

Crédit classique

LOA

Nuvéro

Dette & endettement

✓

Apport obligatoire

✓

Entretien & assurance inclus

≃

✓

Duréee d’engagement

✓

Décote et revente

≃

✓

Mensualité claire

≃

✓

Avantage fiscal (pro)

≃

✓

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