Leasing

Turn on the green light! Take a chance to get your vehicle in a short time and on favorable terms.

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Individual interest rate

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Financing up to 100 % of the car value

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Lease term up to 7 years

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Electric car at a great rate from 1.49%*!

  • When buying electrical car from official dealers interest rate from 1.49 % + 3 month EURIBOR, down payment 10 %.*
  • Interest rate from 1.49 % + 3 month EURIBOR, down payment 0 %.**
  • Lease term up to 7 years.
  • Take advantage of the compensation provided by APVA to purchase an electric car. More information here.

* If you lease a car worth 30 000 EUR and the initial payment is 10 % (3 000 EUR), assuming that the term of the leasing contract is 60 months, then the total amount of consumer credit (financed amount) is 27 000 EUR, annual variable interest rate – 5,067 % (which consists of the fixed part of the interest rate – 1,49 % and the variable base interest rate 3-month EURIBOR), contract conclusion (administration) fee – 300 EUR, total cost of consumer credit – 3 978,85 EUR, total cost of consumer credit the annual rate of the price is 5.74 %, the monthly payment is 466,31 EUR, the total amount paid by the consumer credit recipient is 31 428,85 EUR. When concluding a leasing contract, the obligation to conclude an insurance contract for the leased property may be stipulated.

** If you lease a car worth 30 000 EUR and the initial payment is 0 % (0 EUR), assuming that the term of the leasing contract is 60 months, then the total amount of consumer credit (financed amount) is 30 000 EUR, annual variable interest rate – 5,567 % (which consists of the fixed part of the interest rate – 1,99 % and the variable base interest rate 3-month EURIBOR), contract conclusion (administration) fee – 300 EUR, total cost of consumer credit – 4 437,78 EUR, total consumer the annual rate of the credit price is 6,22 %, the monthly payment is 573,96 EUR, the total amount paid by the consumer credit recipient is 34 887,78 EUR. When concluding a leasing contract, the obligation to conclude an insurance contract for the leased property may be stipulated.

Choose your method of financing

Financial leasing
A method of leasing whereby the customer pays the entire value of the vehicle in monthly installments, after which they become the owner of the vehicle.

Operating leasing (hire)
A method of leasing which is essentially a long-term hire. During the contract, the customer does not purchase the vehicle in full. Rather, the vehicle is given to the customer to use for a set amount of time, and for no more than 6 years.

Smallest monthly payment
Smallest monthly payment

Monthly payment 352,19 EUR
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Monthly payment 267,29 EUR
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Repayment schedule Repayment schedule
Financing
from 5000 EUR and up
from 5000 EUR and up
Interest rate
from 2,40% + 3 month EURIBOR
from 2,40% + 3 month EURIBOR
Commission fee
1% of the vehicle price, min. 200 EUR
1% of the vehicle price, min. 200 EUR
Age of car
No older than 15 years at the end of the leasing term
No older than 15 years at the end of the leasing term
CASCO
Special conditions with our partner, insurance broker, Aon Baltic, UADBB.
List of approved insurance companies
Special conditions with our partner, insurance broker, Aon Baltic, UADBB.
List of approved insurance companies

Financial leasing
A method of leasing whereby the customer pays the entire value of the vehicle in monthly installments, after which they become the owner of the vehicle.

Smallest monthly payment
Monthly payment 352,19 EUR
Repayment schedule Apply

Financing

from 5000 EUR and up

Interest rate

from 2.40% + 3 months EURIBOR

Commission fee

1.5 % of the vehicle price, min. 120 EUR

Age of car

No older than 15 years at the end of the leasing term

Operating leasing (hire)
A method of leasing which is essentially a long-term hire. During the contract, the customer does not purchase the vehicle in full. Rather, the vehicle is given to the customer to use for a set amount of time, and for no more than 6 years.

Smallest monthly payment
Monthly payment 267,29 EUR
Repayment schedule Apply

Financing

from 5000 EUR and up

Interest rate

from 2.40% + 3 months EURIBOR

Commission fee

1.5 % of the vehicle price, min. 120 EUR

Age of car

No older than 15 years at the end of the leasing term

The calculated result is indicative only and is not a commitment to provide financing. We will provide specific financing conditions only after checking the information provided in your leasing application.

Standard example for having (opening) an account in "Citadele" bank. If you lease a car worth 30 000 EUR and the initial payment is 10 % (3 000 EUR), assuming that the term of the leasing contract is 60 months, then the total amount of consumer credit (financed amount) is 27 000 EUR, annual variable interest rate – 6.538 % (which consists of the fixed part of the interest rate – 3.50 % and variable base interest rate 3 months EURIBOR), contract conclusion (administration) fee – 300 EUR, Citadele bank card minimum fee – 2 EUR/month, the total price of the consumer credit is 4 925.62 EUR, the annual rate of the total price of the consumer credit is 7.36 %, the monthly payment is 532.09 EUR, the total amount paid by the recipient of the consumer credit is 32 345.62 EUR. When concluding a leasing contract, the obligation to conclude an insurance contract for the leased property may be stipulated.

Standard example without having an account in "Citadele" bank. If you lease a car worth 30 000 EUR and the initial payment is 10 % (3 000 EUR), assuming that the term of the leasing contract is 60 months, then the total amount of consumer credit (financed amount) is 27 000 EUR, annual variable interest rate – 7.538 % (which consists of the fixed interest rate part – 4.50 % and variable base interest rate 3 months EURIBOR), contract conclusion (administration) fee – 300 EUR, total cost of consumer credit – 5 725.58 EUR, total cost of consumer credit the annual rate of the price is 8.42 %, the monthly payment is 545.43 EUR, the total amount paid by the consumer credit recipient is 33 025.58 EUR. When concluding a leasing contract, the obligation to conclude an insurance contract for the leased property may be stipulated.

Improper fulfillment of financial obligations increases financing costs and can negatively impact your credit history. If the contract is terminated due to a fundamental breach of the agreement, forced debt collection may be initiated. In such a case, you may lose not only the payments already made but also the rights to the financed assets.

How does EURIBOR impact financial leasing and operative leasing (hire) payments?

  • EURIBOR (European Interbank Offered Rate) is the average European interbank rate for a set period. An interest rate is comprised of a fixed part and a variable part, which is the EURIBOR rate. Citadele offers its customers a three- or six-month EURIBOR rate. This means that the variable part of the interest rate is fixed for a period of three or six months. If the EURIBOR rate increases within those three or six months, then your leasing or rental payment will also increase at the end of the period.
  • Considering these changes to interest rates and monthly payments, it is important to evaluate whether you will be able to fulfil your obligations if your monthly payment increases. For example, if the loan amount is 30,000 EUR, an overall interest rate increase of 1 % means that the monthly interest payment will increase by around 26 EUR (around 255 EUR per year.) The larger the loan amount, the greater the impact of interest rate changes on your monthly payment.
  • If you already have a leasing agreement or you wish to sign a new agreement, you can calculate the impact of rate increases on your monthly payment in our leasing calculator.
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3 simple steps towards your own car

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Fill in an application

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Get a reply within 2h

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Sign the agreement

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Fill in an application

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Get a reply within 2h

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Sign the agreement

Do you have any questions? Contact us!

We will advise and help you make the best decision.
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Do you have any questions? Contact us!

We will advise and help you make the best decision.

For sale

All vehicles
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Information about potential risks

Improper fulfillment of financial obligations increases financing costs and can negatively impact your credit history. If the contract is terminated due to a fundamental breach of the agreement, forced debt collection may be initiated. In such a case, you may lose not only the payments already made but also the rights to the financed assets.
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CASCO insurance for your car

  • Pay insurance premiums together with leasing monthly installments.
  • Insurance proposals are provided by leasing insurance Partners.
  • Insurance partners offer special insurance terms.
Apply

Didn’t find the answer to your question?

Visit our interactive assistant and find the information you need

Interactive assistant
How is an operating lease different from a financial lease?

Financial leasing is a type of leasing in which the customer pays the full value of the car in monthly installments and becomes the owner at the end of the lease term. During the leasing period, the customer fully covers the value of the car and pays interest. At the end of the financial lease term, the client receives a deed of termination of the covered liability and re-registers the asset in its own name. Private persons may conclude only financial leasing.

Operating leases are essentially long-term leases. During the lease period, the customer pays the rent, which is the difference between the purchase value of the car and the determined residual value. During the term of the contract, the customer pays only a part of the price of the car, paying for its depreciation or amortization. In the case of a finance lease, the car does not automatically become the property of the customer at the end of the lease term. At the end of the contract, the customer can redeem the car for its residual value (with an additional redemption fee), transfer the redemption right to a third party or return it to the seller.

How long can it take to get an answer after submitting leasing agreement?

Citadele Leasing provides a response on financing opportunities within 1-2 business days after receiving all the documents required to evaluate the transaction.

What is financed by Citadele Leasing?

Citadele Leasing finances the purchase of cars, motor vehicles, commercial vehicles, various types of machinery and equipment. The leased object can be new or used.

How does leasing with residual value differ from leasing without residual value?

Leasing with residual value – a type of leasing where the lessee covers part of the property price specified in the leasing contract during the planned leasing period, and the remaining part of the property price is left to be paid together with the last payment, which is paid by the Lessee himself or the property is bought out by a third party – the buyer (if a buyout contract has been signed).

Leasing without residual value – A way of leasing where the client pays the entire value of the vehicle in equal parts, after which he becomes the owner of the vehicle.
 

Is it possible to buy out the property ahead of time – when the leasing contract term has not yet expired?

Before the end of the leasing contract term, it is possible to buy out the property by paying the entire remaining leasing balance. For individuals – free of charge (if variable interest rates are provided in the contract), for legal entities – 1.5% of the unpaid amount, but not less than 150 EUR. Detailed information in the leasing price list.

What to do after the end of the leasing contract (end of leasing act)?

After the end of the Financial Leasing Agreement and all payments have been made (if there are no debts under other contracts), the client does not need to apply additionally. Upon receiving a message in the system that the client has settled – End documents are issued within 1-2 business days along with instructions on how to submit a property acquisition declaration in the Eketris (Regitra) system. After confirmation, contact Regitra for property registration.

I want to sell a car, the leasing contract of which has not yet expired. What should I do?

You need to submit a request on the leasing portal for the buyout of the car. Upon receipt of the invoice and payment you become the owner of the property and you can then sell the car.

How to submit a request for partial/early leasing coverage?

After paying a larger installment than planned in the payment schedule, you can submit a request for partial/early leasing coverage on the leasing portal. Upon receipt of the request, the payment schedule will be recalculated. You can always find the actual recalculated schedule on the leasing portal. The prepayment fee is set in the SIA “Citadele Leasing“ Lithuanian branch service price list for private clients: Rates for private clients | “Citadele“ Bank, business clients: Rates for business clients | “Citadele“ Bank.

What is the maximum age of a leased car?

Not older than 15 years at the end of the leasing term.

How to order a certificate for auditors, about paid interest and other leasing obligations?

Any type of certificate can be ordered by sending a free-form request by e-mail to info@citadeleleasing.lt. Certificates are prepared within 10 business days from the date of submission of the request. A fee for prepared certificates is applied according to the leasing price list.

What is the maximum leasing contract term?

7 years or 84 months.

How to update contact information (phone number, address)?

Write a free-form request to support@citadeleleasing.lt, indicating the name, surname and personal code or date of birth, and the contacts to be changed.

Is it necessary to pledge a leased car?

Necessary car registration in Regitra, car owner – leasing company, and you are the vehicle operator.

More questions
How is an operating lease different from a financial lease?

Financial leasing is a type of leasing in which the customer pays the full value of the car in monthly installments and becomes the owner at the end of the lease term. During the leasing period, the customer fully covers the value of the car and pays interest. At the end of the financial lease term, the client receives a deed of termination of the covered liability and re-registers the asset in its own name. Private persons may conclude only financial leasing.

Operating leases are essentially long-term leases. During the lease period, the customer pays the rent, which is the difference between the purchase value of the car and the determined residual value. During the term of the contract, the customer pays only a part of the price of the car, paying for its depreciation or amortization. In the case of a finance lease, the car does not automatically become the property of the customer at the end of the lease term. At the end of the contract, the customer can redeem the car for its residual value (with an additional redemption fee), transfer the redemption right to a third party or return it to the seller.

How long can it take to get an answer after submitting leasing agreement?

Citadele Leasing provides a response on financing opportunities within 1-2 business days after receiving all the documents required to evaluate the transaction.

What is financed by Citadele Leasing?

Citadele Leasing finances the purchase of cars, motor vehicles, commercial vehicles, various types of machinery and equipment. The leased object can be new or used.

How does leasing with residual value differ from leasing without residual value?

Leasing with residual value – a type of leasing where the lessee covers part of the property price specified in the leasing contract during the planned leasing period, and the remaining part of the property price is left to be paid together with the last payment, which is paid by the Lessee himself or the property is bought out by a third party – the buyer (if a buyout contract has been signed).

Leasing without residual value – A way of leasing where the client pays the entire value of the vehicle in equal parts, after which he becomes the owner of the vehicle.
 

Is it possible to buy out the property ahead of time – when the leasing contract term has not yet expired?

Before the end of the leasing contract term, it is possible to buy out the property by paying the entire remaining leasing balance. For individuals – free of charge (if variable interest rates are provided in the contract), for legal entities – 1.5% of the unpaid amount, but not less than 150 EUR. Detailed information in the leasing price list.

What to do after the end of the leasing contract (end of leasing act)?

After the end of the Financial Leasing Agreement and all payments have been made (if there are no debts under other contracts), the client does not need to apply additionally. Upon receiving a message in the system that the client has settled – End documents are issued within 1-2 business days along with instructions on how to submit a property acquisition declaration in the Eketris (Regitra) system. After confirmation, contact Regitra for property registration.

I want to sell a car, the leasing contract of which has not yet expired. What should I do?

You need to submit a request on the leasing portal for the buyout of the car. Upon receipt of the invoice and payment you become the owner of the property and you can then sell the car.

How to submit a request for partial/early leasing coverage?

After paying a larger installment than planned in the payment schedule, you can submit a request for partial/early leasing coverage on the leasing portal. Upon receipt of the request, the payment schedule will be recalculated. You can always find the actual recalculated schedule on the leasing portal. The prepayment fee is set in the SIA “Citadele Leasing“ Lithuanian branch service price list for private clients: Rates for private clients | “Citadele“ Bank, business clients: Rates for business clients | “Citadele“ Bank.

What is the maximum age of a leased car?

Not older than 15 years at the end of the leasing term.

How to order a certificate for auditors, about paid interest and other leasing obligations?

Any type of certificate can be ordered by sending a free-form request by e-mail to info@citadeleleasing.lt. Certificates are prepared within 10 business days from the date of submission of the request. A fee for prepared certificates is applied according to the leasing price list.

What is the maximum leasing contract term?

7 years or 84 months.

How to update contact information (phone number, address)?

Write a free-form request to support@citadeleleasing.lt, indicating the name, surname and personal code or date of birth, and the contacts to be changed.

Is it necessary to pledge a leased car?

Necessary car registration in Regitra, car owner – leasing company, and you are the vehicle operator.

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