Do you actually need an X5?
Do you have a boat? A horse-trailer? A hytte
in some remote mountain village (but AFAIK, the X5 is the least all-terrain SUV anyway)?
Have you seen the parking-lots here?
That said, there are loans for cars (really any kind of private purchases).
Assuming you will settle for two year old X5 for maybe 60k and finance 90% of that, Micgros-Bank will charge 5.9% interest on 54k, meaning 1636 per month over 36 months.
Resulting in almost 5k interest cumulated. https://www.migrosbank.ch/de/privatp...t-rechner.html