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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% %

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.

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Find yourself a suitable monthly payment

Car leasing calculator

The minimum car price financed by leasing is 11 200 EUR. We recommend using the car loan for smaller amounts. EUR EUR

* According to the light vehicles test procedure (WLTP) data.
  • 0EUR
  • 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.
  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. 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.
  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 10,000.
  • 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.

For cars with CO2 emissions not exceeding 50g/km:

  • Interest rate – from 1.49% + 6 months Euribor (not less than 0%).
  • 10% discount on Kasko insurance for the first year of the contract.
  • For both used and new cars.

For cars with CO2 emissions between 51-130 g/km:

  • Interest rate – from 1.89% + 6 months Euribor (not less than 0%).
  • 10% discount on Kasko insurance for the first year of the contract.
  • Only for new cars.

These conditions apply when submitting a leasing application through online banking or at a seller, and signing the contract in business online banking.

CO2 emissions are measured according to the WLTP (Worldwide Harmonized Light-Duty Vehicle Test Procedure) standard.

Car leasing and operational leasing services, including operational leasing with services, are provided by "Swedbank lizingas", UAB. Insurance services are provided by "Swedbank P&C Insurance AS" Lithuanian branch through the representative "Swedbank lizingas", UAB.
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 Swedbank itself; a car is delivered for examination to the place and at the time specified by Swedbank (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 Swedbank, 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 Swedbank 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 Swedbank 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 Swedbank 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 Swedbank.

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 Swedbank; (2) in other cases, Swedbank 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.
  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.

Leasing of low-emission and zero-emission vehicles

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

Leasing of low and moderately-emission vehicles for companies

Low & average emission
vehicles (mostly hybrid vehicles)

Vehicles with diesel or gasoline engines are moderately to highly polluting

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 Vehicle (Casco) insurance will cover the damage caused to you in the accidents where your vehicle was damaged. New and used car leasing and operational lease for business.

Insure your car in just a few minutes and get 10 free roadside assistance services.

Learn more
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New! Bonds for the construction of an office centre on Konstitucijos Avenue

  • The bonds are issued by UAB "Kvartalas".
  • Building is developed by UAB "Lords LB Asset Management".
  • Fixed annual interest rate – 8%.
  • The minimum investment amount is EUR 100.

Investing involves risk. The value of an investment can increase or decrease. The information provided cannot be interpreted as a recommendation, invitation, offer or solicitation to buy/sell specific financial instruments. Swedbank AB has not made any assessment as to whether this financial instrument is suitable for you.

Contacts

„Swedbank”, AB
Konstitucijos pr. 20A, 09321 Vilnius, Lithuania
SWIFT code: HABALT22
Legal entity code: 112029651

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This is Internet Banking site of companies offering financial services - „Swedbank“ AB, Swedbank lizingas UAB, Swedbank investicijų valdymas UAB, Swedbank P&C Insurance AS Lithuanian branch, Swedbank Life Insurance SE Lithuanian branch. Before signing any agreement read the terms and conditions of the respective service.