A clear contract helps the customer decide without friction.
LOA and LLD are often presented together, but they solve different jobs. The right choice depends on usage, cash flow and whether the customer wants a path to ownership.
What is vehicle leasing in France?
Leasing lets a customer use a vehicle for a defined period in exchange for monthly payments, with clear rules on term, mileage and included services.
Key insight:
For businesses, leasing turns a heavy purchase into a predictable operating cost and makes fleet renewal easier.
LOA — Location avec Option d'Achat
How LOA works
LOA gives the customer a purchase option at the end of the contract. It fits users who want to keep a path to ownership open.
Who is LOA suited for?
- Customers who want to test a vehicle before buying.
- Businesses that value end-of-contract flexibility.
- Drivers with relatively predictable mileage.
LOA in a nutshell
LOA is a strong middle ground between immediate vehicle use and a future purchase option.
LLD — Location Longue Durée
How LLD works
LLD focuses on pure usage. The vehicle is returned at the end of the contract, often with maintenance or services included.
Side-by-side comparison
Which one should your business choose?
- Choose LOA if the purchase option matters.
- Choose LLD if simple usage matters more.
- Always check mileage, maintenance and end-of-contract rules.
Pro tip for dealership partners
Present LOA and LLD as two usage decisions, not as interchangeable finance products.
How Aiffin makes leasing simple
Aiffin structures the data, speeds up scoring and helps partners present the right offer at the right moment.
Ready to offer leasing to your customers?
Our team can help you integrate a clear, digital leasing journey.