From company car to the whole family's car
Smooth process — from price indication to completed deal in 1–3 days
Xcocar steps in as an independent intermediary — you buy from us, not from your employer. This eliminates the tax risk and gives you full consumer protection. Everything is handled digitally — from valuation to contract and payment. Read more about the process.
A price with clear traceability
The price is based on statistical market prices for an equivalent car (make, model, year, mileage), adjusted for the car's actual condition and equipment. You see exactly which parts of the price are what — no hidden mark-ups. All cars come with warranty from AutoConcept.
Warranty always included
AutoConcept warranty is included in every purchase via Xcocar — at least one year, with a 0 SEK deductible. The warranty covers mechanical and electronic components and is valid throughout the EU/EEA with unlimited mileage.
Add-ons that complete the purchase
Want more than the base package? You can add a service agreement, deductible elimination or extended warranty in the purchase flow — you see the price for each add-on before you decide.
Financing via enklare.se
Want to spread the payment? You apply for a car loan directly during the purchase via enklare.se, which compares offers from over 40 banks. Interest from 4.5%.
When the leasing agreement is approaching its end, you — or someone in your family — can take home the car you've driven. Start by getting our pricing basis — based on your specific car, not just model and year. We take into account its condition and history.
With our solution, both you and your employer avoid tax risks — no extra fees, no benefit taxation or employer contributions apply. Full warranties are also included, just like with a regular car purchase.
See what the car you have been driving could be worth — and how easy it is to make it the family's car.
Common mistakes when buying out a company car
Trusting the trade-in price as market value
A trade-in price is what a car dealer is willing to pay in order to sell the car on at a profit — it is always considerably lower than market value. The Swedish Tax Agency never accepts a trade-in price as market value.
Using informal or undocumented pricing data
Valuations that are not documented, reproducible and based on actual market data rarely hold up under review. Xcocar's pricing basis is documented and traceable — every adjustment has a derivation.
Believing that buying from a leasing company is different
The Swedish Tax Agency treats leasing companies and banks the same as the employer. If you buy below market value it triggers benefit taxation regardless.
Forgetting about consumer protection
If you buy directly from your employer, the Consumer Sales Act does not apply. No warranty, no 3-year right of complaint.
The Swedish Tax Agency can audit for 6 years
If they decide that the car was sold below market value, both you and the company are affected:
- You: Benefit taxation + interest from the date of purchase
- The company: Employer contributions (31%) + tax surcharge (40%) + interest
With Xcocar you avoid the risks
- Tax-compliant market price
- Standard consumer purchase with consumer protection
- Warranty included
- No tax risks for you or your employer