Car lease

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Assumptions of the calculator

vehicle price, including VAT - %PRICE% EUR
financing amount - %LOAN_AMOUNT% EUR
down payment - %DOWN_PAYMENT% EUR
residual value - %RESIDUAL_VALUE% EUR
loan period - %PERIOD% years
floating interest rate - the interest rate varies on case-to-case basis, in the example - %TOTAL_INTEREST% % (%INTEREST% % + %EURIBOR% % 6 months' Euribor) (The example uses the last published 6-month Euribor value)
contract fee - %FEE% EUR
the cost of credit - %TOTAL% EUR
annual percentage rate (APR) - %GPL% %

Offer for eco-friendly cars!

Enjoy Driving Your New Car!

If you’re thinking about buying a car, lease makes a perfect solution.

Interest rate for cars 2.29% + 6 month Euribor (at least 0 %).
Smooth process online from application till the final repayment.
You will be able to buy a car not only from official vendors, but also from other companies and private persons.

Take advantage of very attractive conditions for buying an eco-friendly car! Interest rate from 1.49% + 6 months Euribor (minimum 0%) and 10% discount on CASCO insurance.

Learn more

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Find yourself a suitable monthly payment

Car leasing calculator

NewUsed

EUR

The minimum car price financed by leasing is 8 000 EUR. We recommend using the car loan for smaller amounts.

EUR

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

Preliminary monthly payment
0EUR
Agreement fee
0EUR

More details about the calculated preliminary payment

The calculation is approximate and it is not a commitment to provide financing. Fill in the application and get your personal offer.

Typical example of total consumer credit annual percentage rate calculation (for natural persons who have acquired leased assets for personal, family or household purposes, but not for business or professional purposes):

Assumptions: Price of the car selected – 20 000 EUR, contract term – 60 months, advance paid by the Client – 10 percent, financed amount – 18 000 EUR, interest rate – 6 months Euribor (at least 0%) + 2.29% (calculated annual interest rate – 2.29%) ., contract fee – 200 EUR (monthly instalment – 317.78 EUR).

In order to receive consumer credit, the Client must have (open) an account with Swedbank, AB, with a set minimum daily services fee of 1 EUR per month. The client must also, at his/her own expense, buy insurance for the car at an insurance company acceptable by Swedbank under conditions set out in the agreement (insurance cost is not included in the total consumer credit annual percentage rate). Total consumer credit annual percentage rate is then equal to 2.9 percent, and the total Consumer Loan cost payable a receiver would amount to EUR 19 326.80.

The improper fulfilment of financial obligations results in an increase of your financial costs and may negatively impact your credit history. If the agreement is terminated as a result of your serious breach, you may face enforced debt recovery and may lose not only the made payments but also the right to financed property.

Leasing is best solution if you are planning to purchase a new or slightly used car.
Interest rate starts from 2,29% + 6 month Euribor (minimum 0%).
Convenient to apply for and to sign the contract via the internet bank.
This type of lease allows you to become the owner of the property after the end of the lease period, when the entire amount of property acquisition price, interest are paid.

After finding a suitable vehicle, fill in the Car Lease application in the internet bank.
You will be contacted by our employee.
Sign the contract in the internet bank and make the down payment.
As of 1 May 2021, due to a change in the procedure for registering the Property, it is obligatory to submit a declaration of acquisition of Property to the State Enterprise Regitra and to register Swedbank lizingas, UAB as the owner of the Property in the Register of Vehicle Owners, and you, as the actual owner of the Property, in the Register of Road Vehicles. Please note that the change of the owner of the Property in the Register of Vehicle Owners must be declared in accordance with the deadline established by the legislation of the Republic of Lithuania (within 5 working days from the signing of the Property transfer-acceptance deed if the Property is in the Republic of Lithuania at the time of concluding the leasing agreement, or prior to the Property’s entry to the Republic of Lithuania, if the Property has not yet been brought into the Republic of Lithuania at the time of concluding the leasing agreement). Swedbank lizingas, UAB will be indicated as the owner of the vehicle and you as the operator.
The car must have Casco Insurance and traffic insurance. Make only one monthly payment by combining your lease and insurance payments signing the insurance contracts at Swedbank P&C Insurance AS.

Official list of car dealers

Financed value of the car – at least EUR 7,000.
Lease period up to 7 years.
Down payment – from 10 percent of the value of the acquired vehicle. Down payment depends on the car selected and client assessment.
Upon expiry of the leasing contract the car cannot be older than 15 years.
Mandatory Casco Insurance. The list of insurance companies acceptable for UAB Swedbank lizingas can be found here.
Interest rate from 2,29% + 6 month Euribor (minimum 0%). Interest is calculated individually, following solvency assessment of the client.
For today‘s interest base rates click here.
Net monthly income at least 650 EUR/month net of tax, or at least 1000 EUR/month if the loan is taken out with a co-borrower.

If you choose an environmentally friendly car – hybrid, plug-in electric or low-consumption car you will get special conditions.

When buying a car with a CO2 emission level not exceeding 50 g/km (based on WLTP*):

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

When buying a car with a CO2 emission 51-130 g/km (based on WLTP*):

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

The offer is valid for the purchase of new/used cars at Swedbank partner auto dealerships, when applied via internet bank or dealership and upon signing a car leasing agreement via internet banking.

The insurance services are provided by Swedbank P&C Insurance AS Lithuanian Branch through its representative Swedbank, AB.
Discount for CASCO insurance is applicable together with leasing only. You can review the Casco Insurance Rules here.

* WLTP - Worldwide Harmonized Light-Duty Vehicle Test Procedure.

Service or operation name	Fee
Fee for concluding the agreement
Fee for concluding a lease/operating lease agreement	From 1 % of the property value, minimum EUR 200 (plus VAT in the case of operating lease)
Additional fee for concluding/changing a lease/operating lease agreement when a car appraisal report¹ is not provided (in that case the property value shall be determined by the Company itself; a car is delivered for examination to the place and at the time specified by the Company (if Company does not specify that car appraisal will be done without car delivery for examination))²	EUR 90 (plus VAT in the case of operating lease)
Fee for amendment to the agreement
Fee for amendment to the agreement	EUR 150 (plus VAT in the case of operating lease)
Fee only for extension of the operating lease agreement for up to 2 months	EUR 75 plus VAT
Fee for changing the date of payment	EUR 30 (plus VAT in the case of operating lease)
Unless the agreement provides otherwise, the fee for amendment to the agreement shall not be charged in the case of the following amendments: - adjustment of the property value after import; - deferral/shortening of the term of periodic payments when the seller delays the delivery of the property/delivers the property earlier; - inclusion, change, refusal of the property insurance organisation service; - inclusion of services in the agreements of lease with services; - refusal or inclusion of the service of the organisation of compulsory insurance of civil liability of the property user; - adjustment of the property specification (without changing the price of the property).
Fee for the authorisation for the sub-rent, sublease, loan-for-use of the property (the fee shall be charged per each agreement separately)	EUR 30 plus VAT
Fee for the arrangement on the conditional pledge of the property or for a trilateral arrangement on the redemption of the property	EUR 100 plus VAT
Fee for the issue of a certificate: a certificate for audit purposes and different other certificates	EUR 25 plus VAT
Fee for the issue of a certificate granting the right to travel abroad (the fee shall not be charged when the certificate is issued to a customer (manager of the customer's company))	EUR 10 plus VAT
Fee for the issue of documentary copies
Agreement copy with annexes	EUR 10 plus VAT
Copies of other documents (a fee for copies of VAT invoices shall be charged only for the invoices issued more than 2 months before)	EUR 3 plus VAT per page
Duplicates of completion deeds shall be issued free of charge.
Private customers submitting a written request shall have the right to receive free of charge the relevant schedule of payments. The schedule of payments shall also be posted on the internet bank of Swedbank.
Fee for resumed validity of agreements upon cancellation of their termination
When agreements are resumed during the same month in which they were terminated	For one agreement - from EUR 90, for each additional agreement - from EUR 30 (plus VAT in the case of operating lease, and also in the case of lease, without making changes in the schedule)
When agreements are resumed which were terminated during the previous or earlier month	For one agreement - from EUR 90, for each additional agreement - from EUR 30 (plus VAT in the case of operating lease), also paying the amount of interest unpaid during the termination period according to all agreements being resumed (issuing one single invoice)⁴
Operating lease agreement termination fee (is charged when the agreement is terminated on the customer's initiative and consent of the Company, when the property is transferred to the customer for use)⁵
When, at the same time, a new lease or operating lease agreement is concluded with the Company	EUR 80 plus VAT
In all other cases	EUR 160 plus VAT
Property sale administration fee upon expiry or early termination of the operating lease agreement (when the Company agrees to sell the property)⁵:
Property sale to the customer who has leased it	From EUR 450 plus VAT
Property sale to a third party	From EUR 600 plus VAT
Additional one-time services (if not included in the agreement): handing of the insured event, performance of technical maintenance and roadworthiness testing, roadside assistance for 24 hr, delivery of a replacement car to another city, car wash, etc.	EUR 40/h plus VAT
Replacement car (if not included in the agreement)
A replacement car service shall also cover a short-term car rent service, provided that at least one operating lease agreement or parking maintenance agreement concluded with the customer is valid.

Price per day, EUR, plus VAT
Number of days	Economic	Compact	Medium	Large
1-7 days	29 EUR	35 EUR	41 EUR	53 EUR
8-14 days	24 EUR	29 EUR	35 EUR	47 EUR
15-21 days	21 EUR	24 EUR	29 EUR	41 EUR
22-29 days	18 EUR	21 EUR	27 EUR	35 EUR
Price per month, EUR, plus VAT
1-11 months	377 EUR	435 EUR	522 EUR	638 EUR
Price per month, EUR, plus VAT, when a replacement car is rented until delivery of the property ordered by the customer
1-11 months	290 EUR	348 EUR	435 EUR	551 EUR

Where monthly fees are charged, mileage shall be limited to 3 000 km/month.

Additional fees
Fuel supply fee	According to actual costs
Fuel supply administration fee	EUR 15 plus VAT

¹ A car appraisal report issued by the appraiser acceptable to the Company shall be required when the obligations by existing contract are transferring to the new customer or car is purchased from the seller who is not included in the List of Sellers Acceptable to the Company.

² This option is available: (1) in the cities of Vilnius, Kaunas and Klaipėda, when the car is delivered for inspection at a place and time specified by the Company; (2) in other cases, the Company may waive the requirement to deliver the car for inspection by specifying a different valuation procedure.

³ A separate fee for the issuance of a certificate shall apply for each period of twelve calendar months or for each commitment date specified in the application. A fee of EUR 25 plus VAT shall be charged for a certificate not relating to a time period or commitment date.

⁴ Foregone interest shall be calculated by multiplying the amount of interest on the first unbilled invoice in the schedule by the number of unbilled invoices/periods (until reinstatement of the agreement).

⁵ This fee may be included in the sale price of the leased property or paid separately.

You can:

ask to extend the agreement term;
request to postpone payments if you are facing financial difficulties;
make partial payments or fully redeem your assets early without any additional charges. In this case you are entitled to a reduction in the total cost of consumer credit, you can exercise your right above by sending us a message from the Internet Banking.

To change the contract please submit an application.

Authorisation for Use of The Vehicle

Using the vehicle in Lithuania and elsewhere in the EU no authorisation is required.
Using the vehicle in another foreign country fill in the Application for Authorisation. Before travelling abroad with your leased vehicle, make sure that CASCO insurance is valid in the countries you will be driving in.

Your car can be a step towards to a more sustainable lifestyle

Did you know that transport is responsible for 30% of the total CO₂ emissions? But car industry is also bringing lots of new possibilities. Eco-friendly cars are not only better for the environment, they also tend to have lower ownership costs. Take an eco-friendly step for the benefit of all – choose a hybrid or electric car.

Choosing electric, hybrid or other low CO₂ emission car is your chance to be more environment friendly. We have special leasing offer for eco-friendly cars.
Carpooling can reduce your environmental footprint by 3-4 times. Start small - give a ride to a colleague and try to do carpooling as often as you can.
Walk, bike or use public transportation when possible. By the way, 30 minutes of fast-paced walk a day is a good workout and a great mood booster.

When buying a new car, bring your attention to the fuel economy and environmental labels – they indicate how much CO₂ emissions your car produces.