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Car leasing

Enjoy driving your new car!

Special offer for environmentally friendly cars! Interest rate starting from 1.49% + 6 month Euribor.

If you’re considering purchase of a new car, leasing is an ideal solution.

  • Interest rate on new cars: 2.29% + 6-month EURIBOR.
  • Easy to set up online - from applying to final repayment.
  • Fill in the application in just a few minutes.

Borrow responsibly by fairly assessing your loan repayment capabilities.

Apply

Representative example: If you take out a 5-year finance lease to buy a car worth 25,000 EUR and make a down-payment of 15% of the purchase price, with interest rate: 2.29% + 6-month Euribor (Euribor value on calculation day: 0 %), fee: 1.5% of the car’s purchase price, the total amount repayable will be 22 890.43 EUR (excluding down-payment) and annual percentage rate (APR): 3.04 %.

Find out what monthly payment suits you

Car price
EUR
Repayment period
Down payment
 €
Environmentally friendly cars

* According to the light vehicles test procedure (WLTP) data

This calculation is indicative and may differ from the final terms and conditions offered to you. The interest rate depends on the customer profile and the vehicle selected. The best interest rate is offered for new vehicles.

Basis for the calculation
Monthly payment
0€
Agreement fee
0€
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Why opt for car lease?
  • Leasing is a perfect solution if you plan to buy a new or second-hand car.
  • Rate from 2,29% + 6-month EURIBOR.
  • Easy to apply via Internet Banking.
Finance lease
  • You cover the full value of the car during the lease period.
  • You become the owner of the car at the end of the lease agreement.
Operating lease
  • Most commonly used for buying a new car.
  • At the end of the lease period, the car is returned to the car dealer, as a result of which your monthly payments will be lower during the lease period. (essentially, long-term car rental)
 License
  1. When you’ve found a vehicle that suits you, fill out the car lease application via Internet Banking or at the car dealership.
  2. Bank employee will contact you.
  3. Sign the agreement via Internet Banking and make the down payment.
  4. Register the vehicle in the name of Swedbank Lizings SIA at the Road Traffic Safety Directorate (CSDD).
  5. The car must have CASCO and MTPL insurance. If you take out insurance with Swedbank P&C Insurance AS, you can have a single monthly payment covering both the lease and CASCO policy.
Terms and conditions
  • Loan amount from 7000 EUR.
  • Repayment period of up to 7 years.
  • Down payment starting from 10%.
  • CASCO insurance mandatory.
  • Interest rate from 2.29% + 6 months Euribor.
  • Agreement fee 1% of the lease amount (min. 150 EUR).
  • Monthly income after taxes at least 600 EUR, together with a guarantor at least 950 EUR.
Special conditions for environmentally friendly cars!

Get special conditions when purchasing an electric, low-consumption or hybrid car:

When buying a car with a CO2 emission level not exceeding 95 g/km*:

  • Interest rate: 1.49% + 6-month Euribor.
  • 10% discount for first year of CASCO insurance.

When buying a car with a CO2 emission level of 95–130 g/km*:

  • Interest rate: 1.89% + 6-month Euribor.
  • 10% discount for first year of CASCO insurance.

The offer is valid for the purchase of new/almost new cars at Swedbank partner auto dealerships and upon signing a car leasing agreement via internet banking.

*According to the light vehicles test procedure (WLTP) data.

Insurance service provider: "Swedbank P&C Insurance" AS.
Discount for CASCO insurance is applicable together with leasing only.
Terms and conditions for CASCO insurance

  • Car lease fees

  • Early termination

  • End of finance lease period

  • End of operating lease period

  • Operations at CSDD

  • CASCO and MTPL insurance

The following amendments can be made to the lease agreement:

  • Change of date of monthly payments.
  • Early performance of obligations (in full or in part).
  • Extension of agreement period and postponement of principal repayments.

If you wish to amend the agreement, fill out the application here.

Authorization to use the vehicle

  • No authorization by Swedbank Lizings SIA is necessary for using the vehicle in Latvia and other EU member states.
  • Authorization by Swedbank Lizings SIA is necessary for using the vehicle outside the EU.

    If you plan to go to with the car or motorcycle on lease to Armenia, Azerbaijan, Belorussia, Kazakhstan, Kirgizstan, Moldova, Russia, Tajikistan, Ukraine or Uzbekistan or drive such a vehicle in any of these countries, then in addition to CASCO insurance you also need to take out the comprehensive insurance policy.

A great solution if you plan to buy a used car.

  • No down payment.
  • CASCO insurance not mandatory.
  • Loan amount from 3000 EUR.
 Free technical assistance for the car and guaranteed use of original spare parts when repairing cars not older than 5 years. All financial services agreements in one place. No worries about payments as they will be debited automatically from your current account.