Cargo Bike Leasing – Here's How to Get Your Own Cargo Bike at an Affordable Price
Do you need a cargo bike for your family’s daily life or your business, but are hesitating because of the high upfront cost? With eurorad’s cargo bike leasing program, your dream of owning a cargo bike becomes a reality—and you’ll save up to 40% compared to a traditional outright purchase. With over 5,000 authorized dealers throughout Germany, comprehensive insurance with no deductible, and 100% recourse protection for businesses, eurorad’s cargo bike leasing program is a smart alternative to buying.
Discover how a leased cargo bike can change your daily life and why more and more people are turning to this sustainable transportation solution.
That's why cargo bike leasing is the smart alternative to buying
A high-quality electric cargo bike can easily cost between 5,000 and 8,000 euros. These high costs deter many people. Cargo bike leasing elegantly solves this problem: Instead of a large one-time payment, you pay manageable monthly installments.
But the key advantage lies in salary deduction when you lease the cargo bike through your employer. Your lease payment is deducted from your gross salary, which reduces your taxable income. You save on taxes and social security contributions. Ultimately, you’ll pay up to 40% less than if you bought it outright. A cargo e-bike priced at 6,000 euros will effectively cost you only about 3,600–4,000 euros when leased. Self-employed individuals save similarly when leasing a cargo bike: they can claim the leasing costs as business expenses.
But the financial benefits are just the beginning: When you lease your cargo bike, you’re fully covered. While you bear all the risks yourself when you buy one, eurorad covers the costs of repairs, wear and tear, and even theft. Engine trouble with your e-cargo bike? A broken display? Our 5,000 partner repair shops throughout Germany will fix any damage for you free of charge.
Lease the perfect cargo bike for any transport need
There is now a wide variety of cargo bike models on the market:
- Compact longtail models are perfect for transporting children.
- Spacious cargo bikes (known as " bakfiets") can handle even bulky groceries with ease.
- Electric cargo bikes, in particular, have given development a major boost. With electric assistance, you can cover even longer distances while carrying heavy loads. Modern batteries offer ranges of 100 kilometers or more—enough for a full day of deliveries.
With cargo bike leasing, you can choose from hundreds of models. Over 5,000 specialty dealers throughout Germany are ready to provide expert advice and help you find the perfect cargo bike for your needs. Whether it’s a two-wheeler or a three-wheeler, with a cargo box or a loading area—there’s an ideal solution for every purpose.
Different Ways to Get Your Leased Cargo Bike
For employees of eurorad partner companies
Do you work for a company with a eurorad framework agreement? If so, getting your leased cargo bike is easy:
- Your HR department will activate your account on the eurorad portal, and you will receive a personal order token.
- Use this token to visit one of our more than 5,000 partner retailers or select your cargo bike online.
- Once the lease agreement is finalized, you can take your cargo bike with you right away or pick it up.
Instant Orders for Small Businesses and the Self-Employed
Do you work for a company with fewer than 50 employees, or are you self-employed? eurorad’s “Instant Order” service makes it possible to lease a cargo bike even without a framework agreement. The bike dealer starts the digital process right there on the spot. After a quick review, you can pick up your new cargo bike right away.
Your Company as a New eurorad Partner
Does your employer not yet offer bike leasing through eurorad? Setting up a framework agreement is free, and the company even saves on social security contributions. Talk to your HR department about the benefits. Cargo bike leasing is a true win-win situation for everyone involved.
An Overview of the Benefits of Cargo Bike Leasing
All-Around Protection for Your Cargo Bike
With leasing, you get more than just a cargo bike. eurorad’s comprehensive insurance packages cover damage, wear and tear, and theft—with the PremiumPLUS package, there’s no deductible at all. Whether it’s a flat tire, faulty brakes, or worn-out chains—our partner repair shops will fix everything free of charge.
An annual safety check ensures that your leased cargo bike remains in perfect working order. In the event of a breakdown, the 24/7 hotline provides immediate assistance—even in other European countries. For maximum flexibility, the PremiumPLUS package even covers your lease payments if you change jobs, take parental leave, or experience a prolonged illness.
Cargo bikes are transforming urban mobility
A cargo bike is much more than just a practical means of transportation. It becomes your reliable partner for everyday life. Whether it’s taking the kids to school, doing a big grocery run, or making deliveries for self-employed people—electric cargo bikes handle tasks that used to require a car.
The health benefits are also significant. Regular exercise in the fresh air strengthens your cardiovascular system and reduces stress. At the same time, you’re making a valuable contribution to climate protection. Every kilometer traveled by cargo bike instead of by car cuts CO₂ emissions and reduces noise and exhaust fumes.
Nationwide Availability and Service
Leasing cargo bikes in Berlin or Munich is just as common as it is in other large or small cities. The eurorad network, with over 5,000 specialty shops, offers you expert advice and reliable service right in your area.
Demand for cargo bike leasing is growing steadily, especially in metropolitan areas. Low-emission zones, a shortage of parking spaces, and rising environmental awareness make cargo bikes the ideal alternative to cars. Many cities are further encouraging the switch with purchase incentives, which also apply to leasing.
Tax Benefits and Additional Savings
Cargo bike leasing is just as attractive for the self-employed and business owners as it is for employees. They can deduct the entire lease payment as a business expense. Companies benefit from predictable costs when leasing cargo bikes.
Employees also save money through the 0.25 percent rule, in addition to salary conversion. They claim only one-quarter of a percent of the list price as a monetary benefit for personal use. For a new electric cargo bike costing 6,000 euros, that amounts to just 15 euros per month.
The switch also makes financial sense. In addition to the direct savings from leasing a cargo bike, there are no fuel costs, parking fees, or auto insurance premiums. Many households can even do without a second car entirely.
Your Next Steps for Cargo Bike Leasing
Cargo bike leasing gives you access to a mode of transportation that might be too expensive to purchase outright. First, decide which leasing option is right for you. The next steps are extremely simple.
- Calculate your savings: Use eurorad's free leasing calculator.
- Find a retailer: Next, find a knowledgeable retailer near you.
- Choosing a cargo bike: Schedule a detailed consultation and test ride. This will help you find the perfect cargo bike for your needs. Our in-store experts will advise you on features, accessories, and insurance options. If you’ve been dreaming of a cargo bike for a long time and know exactly what you want, you can also order your dream bike online from one of our partner dealers and enjoy a wide selection.
- Digital Processing: You will receive all documents electronically, and the contract is signed online.
- Pick up your cargo bike: Just a few days later, you can take home your new, leased cargo bike
Take the first step toward sustainable mobility today. Calculate your savings or find a dealer near you. Your dream cargo bike is already waiting for you!
Cargo Bike Leasing for Every Need
From compact longtail bikes for families to sturdy cargo bikes for business owners—the selection is huge. Get advice from our specialty retailers and find the perfect model for your transportation needs.
Frequently Asked Questions About Cargo Bike Leasing
How much does a leased cargo bike cost?
The exact cost of leasing a cargo bike depends on your salary and the list price. Instead of paying the high purchase price, you pay a monthly lease payment over three years. This amount is deducted directly from your gross salary (salary conversion). This allows you to save significantly on taxes and social security contributions. All in all, you can save up to 40% compared to buying outright. Calculate your personalized payment quickly and easily with our leasing calculator.
Can I lease a cargo bike even if I don't have an employer, or for personal use?
Yes, that’s possible! Our Instant Lease is the perfect solution for self-employed individuals and freelancers. It lets you enjoy the benefits of cargo bike leasing even without an employer. This is an especially attractive option for business owners, as they can fully deduct the lease payments as business expenses.
Which cargo bikes can I lease?
The selection is huge: compact longtail bikes, spacious bakfiets, three-wheeled cargo bikes, and electric cargo bikes with various drive systems—with over 5,000 dealers in the eurorad network, you’re guaranteed to find your perfect cargo bike. Whether for transporting children, making deliveries, or as a car alternative: there’s a model to suit every purpose.
What happens if the cargo bike is stolen or damaged?
If you lease a cargo bike, damage is certainly annoying, but it’s no cause for concern. All insurance packages cover theft, damage, and even normal wear and tear —and the PremiumPLUS package even offers full coverage with no deductible. In the event of theft, you’ll receive a replacement bike; in the event of damage, repairs are covered at no cost.
Can I also use the leased cargo bike for personal use?
Of course! Your leased cargo bike is available to you around the clock. For personal use, you only have to pay taxes on one-quarter of a percent of the list price as a taxable benefit (the so-called 0.25 percent rule).
What happens to the leased cargo bike at the end of the lease term?
After 36 months, you have several options: You can purchase your cargo bike at a low residual value, return it, or upgrade directly to a new model. Many choose to upgrade so they can always ride the latest technology and adapt to changing life circumstances.
