Cargo Bike Leasing: Your Benefits with the Simply.Lift EP6
Cargo bike leasing is the smartest way to get a high-quality e-cargo bike. Instead of paying the full purchase price upfront, your employer leases the Simply.Lift EP6 for you – and you pay a small monthly rate directly from your gross salary. This saves taxes and social security contributions, month after month. This often makes cargo bike leasing up to 40% cheaper than direct purchase.
Cargo bike leasing in 4 easy steps
Cargo bike leasing for self-employed individuals
As a self-employed individual, you lease your Simply.Lift EP6 directly through a leasing provider – without an employer in between. You deduct the leasing rates as business expenses and use the bike both for business and private purposes. Private use is taxed according to the favorable 0.25% rule.
Telefonische BeratungFull leasing payment as business expense
Taxed according to the 0.25% rule
You decide on insurance and additional packages
Du entscheidest über Leasingmodell, Versicherung und Zusatzpakete
FAQ
Do you have any questions? We are available Monday to Friday from 9 a.m. - 6 p.m.: kontakt@simply.bike / +49 (0)40 521 552 17
How does bicycle leasing work?
With company bike leasing, a leasing company purchases your e-bike, including any leasing accessories, and leases it to your employer. Your employer then lets you use the bike. Your employer pays the monthly leasing installments – either as a salary bonus or through a salary conversion directly from your gross salary.
Why do I save money by leasing a company bike?
Because the lease payment is directly deducted from your gross salary, your tax and social security contributions are reduced. This means your actual burden is significantly lower than the full lease payment. The benefit is taxed at the favorable 0.25% rate. This allows you to save up to 40% compared to a direct purchase.
What is a non-cash benefit and the 0.25% rule?
If your employer provides you with a company bike, it's considered a non-cash benefit and is subject to tax. Instead of 1% of the list price as with other additional benefits, you only have to pay tax on the company bike at 0.25% of the gross list price. Thanks to this rule, you save considerably on taxes.
When can I lease a Simply.Bike as a company bike?
A prerequisite for company bike leasing is a cooperation agreement between your employer and the leasing company. If you're unsure, it's best to ask your human resources department. You can also find the exact requirements on your leasing company's website.
When does buying outright make more sense than leasing?
A lease typically runs for 36 months. Not every life situation or employment relationship is suitable. In these cases, we recommend purchasing outright:
- trainees
- Employees on probation
- temporary workers
- Mini or midi jobbers
- Minimum wage workers
- People who are retiring within three years, planning longer parental leave or want to take a sabbatical
I'm self-employed. How does leasing work for me?
As a self-employed person, you can use bike leasing almost the same way as an employee. There are just a few special features:
- The minimum purchase price may be higher
- When registering, the leasing company checks your creditworthiness
- You decide whether you want to use the leasing company's insurance or choose your own
We also recommend that you contact your leasing company and your tax advisor for details and tax benefits.
Which accessories can be leased?
We offer a wide range of leasing accessories. As a general rule, all (accessory) parts that are permanently attached to the bike are also eligible for leasing. The leasing accessories are already listed for you on the leasing form .
Can I cancel, exchange, or return my company bike?
Once your personalized leasing offer has been confirmed on your leasing company's portal, changes to the order are no longer possible. Cancellations, exchanges, or returns are then excluded.
What is the company bike inspection?
To ensure your e-bike remains reliable, many leasing companies offer optional service packages for regular inspections. You can select these when signing your leasing agreement. Contact your leasing company directly for details on the specific terms and conditions.
