Car lease application

It is best to complete your application while logged in, as many fields are previously completed. The application enables us to find the most suitable solution for you and make you a personal loan offer.

Completing an application does not oblige you to sign an agreement. This enables us to find the most suitable solution for you and make you a personal loan offer.

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Annual percentage rate

Car leasing (Operational Leasing)

The annual percentage rate is 4,96% on the following (example) conditions:

asset price, including VAT, €23 000;
down payment of 10%;
residual value of 25%;
amount of credit available, including VAT, €20 700;
floating interest rate 2,29% per annum + 6 months' Euribor (30.09.2025 6-month Euribor rate was 2,096%; the rate set out in your agreement may change every 6 months; negative Euribor equals to zero);
contract fee of €230;
contract period of 5 years;
number of repayments 60;
the sum of repayments €17 380,11;
the total cost of the credit €2 430,11;
the total sum of the credit €19 910,11.

The rate is calculated on the assumption that the basic amount and the interest will be repaid as monthly annuity payments.
In the case of leasing, you must also take out comprehensive and motor third party liability insurance. The cost of insurance and possible costs of asset registration, state fees, and valuation report fees are not included in the rate of charge.

Car leasing (Capital Leasing)

The annual percentage rate is 4,95% on the following (example) conditions:

asset price, including VAT, €23 000;
down payment of 10%;
amount of credit available, including VAT, €20 700;
floating interest rate 2,29% per annum + 6 months' Euribor (30.09.2025 6-month Euribor rate was 2,096%; the rate set out in your agreement may change every 6 months; negative Euribor equals to zero);
contract fee of €230;
contract period of 5 years;
number of repayments 60;
the sum of repayments €23 127,63;
the total cost of the credit €2 427,63;
the total sum of the credit €25 657,63.

If you submit a financial lease agreement application, receive a positive decision by 22 December, and make the first instalment in 2023, your contract will be subject to a 20% VAT rate. In other cases 22%.

application-for-modification

Car Motorcycle Other

Enter the price of the vehicle without a registration fee. Minimal price of the vehicle is 10 000 EUR (vehicle price without down payment).

Minimal financing amount for leasing (Cost of the vehicle - Down payment) is 10 000 EUR. Please continue with Small Loan application.

Minimal finacing amount for leasing (Cost of the vehicle - Down payment) is 10 000 EUR. Please continue with Car Loan application.

For your indicated amount the most suitable solution would be Car loan, where no down payment is required. You can continue filling Car Loan application here.

Please explain the origin of the down payment, how the money was obtained.

Finance leasing
Finance leasing means that your monthly payments during the lease period will cover the full value of the vehicle and at the end of the lease period you will become its owner.
Operating leasing
The car is made available to use for a fixed period of time, during which you will only need to pay the amortization (wear-and-tear) value of the car, hence the monthly payments will be smaller than in finance leasing. Operating leasing is a good choice if: you want to drive a brand new or a relatively new car and at the end of the lease period, you plan to buy a new car and you don't want to deal with selling the old one.

At the end of the contract, the car cannot be older than 15 years. Loan period is up to 7 years (84 months) for finance leasing and up to 5 years (60 months) for operating leasing.

Seller’s details

Data processing:

To fulfil responsible lending requirements Swedbank will process your personal data based on this application. In addition, for data provided in this application, Swedbank will assess your creditworthiness by processing data from internal sources and external registers. The data controller is Swedbank AS. Swedbank AS performs processing of personal data in accordance with the Personal Data Processing Principles.
If according to available information you will meet Swedbank automated decision criteria, an automated decision will be made for the financial product you are applying. You will have the right to ask the automated decision to be reviewed. In such case, the decision will be reviewed by a Swedbank employee.

Data processing:

To fulfil responsible lending requirements Swedbank will process your personal data based on this application. Swedbank will assess your creditworthiness by processing data provided in this application and, in addition, data from external registers. The data controller is Swedbank AS. Swedbank AS performs processing of personal data in accordance with the Personal Data Processing Principles.
If according to available information you will meet Swedbank automated decision criteria, an automated decision will be made for the financial product you are applying. You will have the right to ask the automated decision to be reviewed. In such case, the decision will be reviewed by a Swedbank employee.

Car lease application

Annual percentage rate

Car leasing (Operational Leasing)

Car leasing (Capital Leasing)

Seller’s details

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Car lease application

Annual percentage rate

Car leasing (Operational Leasing)

Car leasing (Capital Leasing)

Seller’s details

Internet Exploreriga ei saa internetipanka avada.

Palun kasuta Google Chrome’i, Mozilla Firefoxi või Microsoft Edge’i.

You have been logged out from Internet bank

Contacts

Useful links

Legal information

Customer programmes