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Car lease

Enjoy Driving Your New Car!

Special offer for environmentally friendly cars! Interest rate from 1.49% and an additional 10% off on CASCO insurance.

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.
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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.

Find yourself a suitable monthly payment

Car price
EUR
Loan period
Down payment
 €

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

Not sure you have chosen the right product?
Preliminary monthly payment
0€
Agreement fee
0€
Apply as a surety provider
Application form for contract changes
Considering to acquire CASCO insurance? First, you need to evaluate our CASCO benefits and find out the price offered to you. Read more
!

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 – 318.49 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 0.70 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 2.86 percent, and the total Consumer Loan cost payable a receiver would amount to EUR 19 317.28.

Calculations of the total consumer credit annual percentage rate and the total amount payable by the borrower are based on the assumptions that the agreement will be valid for the entire duration of the agreement, the total credit amount will be paid out on the day of signing the agreement, the parties to the agreement will fulfil their obligations arising from the agreement by respecting the terms and conditions set out therein, the annual interest rate, the amount of fees and other charges paid by the Client will remain the same as at the time of concluding the agreement and will continue to be applied until its expiry.

  • Leasing is best solution if you are planning to purchase a new or slightly used car.
  • Interest rate starts from 2.29%.
  • 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.
  1. After finding a suitable vehicle, fill in the Car Lease application in the internet bank.
  2. You will be contacted by our employee.
  3. Sign the contract in the internet bank and make the down payment.
  4. Register the vehicle in the name of yourself (owner) and “Swedbank lizingas”, UAB at the Traffic Register Bureau of the Road Administration.
  5. 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.
  • Interest rate from 2,29%. Interest is calculated individually, following solvency assessment of the client.
  • Net monthly income at least 500EUR/month net of tax, or at least 800EUR/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 95 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 96-130 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 150 (plus VAT in the case of operating lease)
Additional fee for concluding a lease/operating lease agreement when a car appraisal report 1 is not provide (in that case the property value shall be determined by the Company itself; this option is available only in Vilnius, Kaunas and Klaipėda cities, when a car is delivered for examination to the place and at the time specified by the Company) EUR 60 (plus VAT in the case of operating lease)
Fee for amendment to the agreement
Fee for amendment to the agreement EUR 90 (plus VAT in the case of operating lease)
Fee only for extension of the operating lease agreement for up to 2 months EUR 45 plus VAT
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 of the service of the organisation of compulsory insurance of civil liability of the property user;
- replacement of the property insurance organisation service by the service of organisation of the property insurance with Swedbank P&C Insurance AS Lithuanian Branch;
- adjustment of the property specification.
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 change of documents: issue of a new fuel card instead of the old one, issue of a duplicate of the civil liability insurance policy EUR 10 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 90 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 2 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) 2
Operating lease agreement termination fee (is charged when the agreement is terminated on the customer's initiative and consent of the Company) 3
When, at the same time, a new lease or operating lease agreement is concluded with the Company EUR 75 plus VAT
In all other cases EUR 150 plus VAT
Property sale administration fee upon expiry or early termination of the operating lease agreement (when the Company agrees to sell the property)3:
Property sale to the customer who has leased it From EUR 300 plus VAT
Property sale to a third party From EUR 400 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 35 /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
Car delivery fee:
Vilnius - Kaunas EUR 50 plus VAT
Between other cities EUR 0.60 /km 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 Outstanding interest shall be calculated as a product of the amount of interest of the first invoice unissued according to the schedule and the number/periods of unissued invoices (until the agreement is resumed).

3 This fee may be included in the sales price of leased property or paid separately.

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 – 318.49 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 0.70 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 2.86 percent

Calculations of the total consumer credit annual percentage rate and the total amount payable by the borrower are based on the assumptions that the agreement will be valid for the entire duration of the agreement, the total credit amount will be paid out on the day of signing the agreement, the parties to the agreement will fulfil their obligations arising from the agreement by respecting the terms and conditions set out therein, the annual interest rate, the amount of fees and other charges paid by the Client will remain the same as at the time of concluding the agreement and will continue to be applied until its expiry.

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.

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. If you intend to drive to or in Armenia, Azerbaijan, Belarus, Kazakhstan, Kyrgyzstan, Moldova, Russia, Tajikistan, Turkmenistan, Ukraine or Uzbekistan with a leased vehicle or motorbike, you will need to have a Comprehensive Insurance Policy added to your Casco Insurance.

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.

  1. 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.
  2. 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.
  3. 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.

Zero & low emission
vehicles (electric, plug-in vehicles)

Low & average emission
vehicles (mostly plug-in hybrid vehicles)

Average & high emission
vehicles (diesel, petrol vehicles)

Calculate how much carbon footprint does your transport choice create monthly?
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Calculator's methodology based on ClimateCare.

You might also be interested in

  • No down payment required
  • Casco Insurance is recommended, but not mandatory
  • Loan amount starting from 3,000 €
 Vehicle (Casco) insurance will cover the damage caused to you in the accidents where your vehicle was damaged.

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