Navigate to main page content

Car lease

Valuations carried out by Swedbank Liising

Valuations carried out by Swedbank AS

Call 888 7799 (only on workdays from 8.30-17.00) or fill out a valuation form to agree on a time to value the vehicle.

 

Vehicle valuation booking

If the vehicle is not registered in Estonia, then the pre-registration inspection record number

Paying for a valuation

You will find the price of the Swedbank Liising valuation service in the online price list at www.swedbank.ee/hinnakiri.

You will find the price of the Swedbank AS valuation service in the online price list at www.swedbank.ee/hinnakiri.

You can pay by card on site (in Tallinn) or later on the basis of an invoice.

The vehicle being valued must be clean and you must present valid registration.

If you’d prefer an operating lease, contact one of our partners to arrange the necessary paperwork:

Please specify the residual value and permitted mileage with the person carrying out the valuation.

This service is offered by Swedbank Liising AS. Take a look at the terms and conditions online at www.swedbank.ee. If you have any questions, speak to a member of bank staff.

This service is offered by Swedbank AS. Take a look at the terms and conditions online at www.swedbank.ee. If you have any questions, speak to a member of bank staff.

Corporate car leasing for a new electric car

Corporate car leasing – affordable, easy, and fast

  • Leasing interest rate on new cars – from 2.29%+ 6 month Euribor.
  • Interest on leasing a new electric car from 1.49% + 6 month Euribor.
  • Car lease calculator helps to find a suitable monthly payment.
  • Option to include casco insurance in the monthly leasing payment.
  • We offer leasing up to $field1* euros for a car purchase for your company $clientName.

*The limit was calculated based on your company’s latest annual report as available to us and on its current assets and liabilities with Swedbank. The offer is indicative only.

Car lease calculator

The minimum amount in leasing is 5,600 EUR.
Invalid amount!
Down payment entered incorrectly!
Financial lease Operational lease (rent)
Monthly payment
Monthly payment 276 EUR 239 EUR
Residual value*
Residual value* No remaining value 6000EUR
CASCO Insurance*
The insurance agreement covers all types of risks (unexpected, unforeseen events leading to damage or destruction of the insured property, for example, fire-related accidents, traffic accidents, vandalism, natural disasters, thefts and similar).
CASCO Insurance*
The insurance agreement covers all types of risks (unexpected, unforeseen events leading to damage or destruction of the insured property, for example, fire-related accidents, traffic accidents, vandalism, natural disasters, thefts and similar).

Get an offer

Show chart

Get an offer

Show chart

Financial lease
Monthly payment
Monthly payment 0 EUR
Residual value*
Residual value* No remaining value
CASCO Insurance*
The insurance agreement covers all types of risks (unexpected, unforeseen events leading to damage or destruction of the insured property, for example, fire-related accidents, traffic accidents, vandalism, natural disasters, thefts and similar).
CASCO Insurance*
The insurance agreement covers all types of risks (unexpected, unforeseen events leading to damage or destruction of the insured property, for example, fire-related accidents, traffic accidents, vandalism, natural disasters, thefts and similar).

Get an offer

Show chart

* Type of insurance – Standard CASCO insurance, deductible for all events 190 €, theft 15%, but not less than 190 €, broken glass – 0 €.

The offer is indicative only. The calculations may differ depending on the vehicle selected and the customer’s insurance history.

Car lease payment schedule sample

Payment Residual value* Principal payment Interest payment Document processing fee VAT Total
Payment
0
Residual value*
16393.44
Principal payment
1639.34
Interest payment
Document processing fee
200.00
VAT
3606.56
Total
5445.90
Payment
1
Residual value*
14754.10
Principal payment
219.03
Interest payment
56.88
Document processing fee
VAT
Total
275.91
Payment
2
Residual value*
14535.07
Principal payment
219.87
Interest payment
56.03
Document processing fee
VAT
Total
275.91
Payment
3
Residual value*
14315.19
Principal payment
220.72
Interest payment
55.19
Document processing fee
VAT
Total
275.91
Payment
4
Residual value*
14094.47
Principal payment
221.57
Interest payment
54.33
Document processing fee
VAT
Total
275.91
Payment
5
Residual value*
13872.90
Principal payment
222.43
Interest payment
53.48
Document processing fee
VAT
Total
275.91
Payment
6
Residual value*
13650.47
Principal payment
223.28
Interest payment
52.62
Document processing fee
VAT
Total
275.91
Payment
7
Residual value*
13427.19
Principal payment
224.15
Interest payment
51.76
Document processing fee
VAT
Total
275.91
Payment
8
Residual value*
13203.04
Principal payment
225.01
Interest payment
50.90
Document processing fee
VAT
Total
275.91
Payment
9
Residual value*
12978.03
Principal payment
225.88
Interest payment
50.03
Document processing fee
VAT
Total
275.91
Payment
10
Residual value*
12752.16
Principal payment
226.75
Interest payment
49.16
Document processing fee
VAT
Total
275.91
Payment
11
Residual value*
12525.41
Principal payment
227.62
Interest payment
48.29
Document processing fee
VAT
Total
275.91
Payment
12
Residual value*
12297.79
Principal payment
228.50
Interest payment
47.41
Document processing fee
VAT
Total
275.91
Payment
13
Residual value*
12069.29
Principal payment
229.38
Interest payment
46.53
Document processing fee
VAT
Total
275.91
Payment
14
Residual value*
11839.91
Principal payment
230.26
Interest payment
45.64
Document processing fee
VAT
Total
275.91
Payment
15
Residual value*
11609.64
Principal payment
231.15
Interest payment
44.76
Document processing fee
VAT
Total
275.91
Payment
16
Residual value*
11378.49
Principal payment
232.04
Interest payment
43.86
Document processing fee
VAT
Total
275.91
Payment
17
Residual value*
11146.45
Principal payment
232.94
Interest payment
42.97
Document processing fee
VAT
Total
275.91
Payment
18
Residual value*
10913.51
Principal payment
233.84
Interest payment
42.07
Document processing fee
VAT
Total
275.91
Payment
19
Residual value*
10679.68
Principal payment
234.74
Interest payment
41.17
Document processing fee
VAT
Total
275.91
Payment
20
Residual value*
10444.94
Principal payment
235.64
Interest payment
40.27
Document processing fee
VAT
Total
275.91
Payment
21
Residual value*
10209.30
Principal payment
236.55
Interest payment
39.36
Document processing fee
VAT
Total
275.91
Payment
22
Residual value*
9972.75
Principal payment
237.46
Interest payment
38.44
Document processing fee
VAT
Total
275.91
Payment
23
Residual value*
9735.28
Principal payment
238.38
Interest payment
37.53
Document processing fee
VAT
Total
275.91
Payment
24
Residual value*
9496.91
Principal payment
239.30
Interest payment
36.61
Document processing fee
VAT
Total
275.91
Payment
25
Residual value*
9257.61
Principal payment
240.22
Interest payment
35.69
Document processing fee
VAT
Total
275.91
Payment
26
Residual value*
9017.39
Principal payment
241.15
Interest payment
34.76
Document processing fee
VAT
Total
275.91
Payment
27
Residual value*
8776.25
Principal payment
242.07
Interest payment
33.83
Document processing fee
VAT
Total
275.91
Payment
28
Residual value*
8534.17
Principal payment
243.01
Interest payment
32.90
Document processing fee
VAT
Total
275.91
Payment
29
Residual value*
8291.16
Principal payment
243.94
Interest payment
31.96
Document processing fee
VAT
Total
275.91
Payment
30
Residual value*
8047.22
Principal payment
244.89
Interest payment
31.02
Document processing fee
VAT
Total
275.91
Payment
31
Residual value*
7802.33
Principal payment
245.83
Interest payment
30.08
Document processing fee
VAT
Total
275.91
Payment
32
Residual value*
7556.51
Principal payment
246.78
Interest payment
29.13
Document processing fee
VAT
Total
275.91
Payment
33
Residual value*
7309.73
Principal payment
247.73
Interest payment
28.18
Document processing fee
VAT
Total
275.91
Payment
34
Residual value*
7062.00
Principal payment
248.68
Interest payment
27.22
Document processing fee
VAT
Total
275.91
Payment
35
Residual value*
6813.32
Principal payment
249.64
Interest payment
26.27
Document processing fee
VAT
Total
275.91
Payment
36
Residual value*
6563.68
Principal payment
250.60
Interest payment
25.30
Document processing fee
VAT
Total
275.91
Payment
37
Residual value*
6313.07
Principal payment
251.57
Interest payment
24.34
Document processing fee
VAT
Total
275.91
Payment
38
Residual value*
6061.50
Principal payment
252.54
Interest payment
23.37
Document processing fee
VAT
Total
275.91
Payment
39
Residual value*
5808.96
Principal payment
253.51
Interest payment
22.39
Document processing fee
VAT
Total
275.91
Payment
40
Residual value*
5555.45
Principal payment
254.49
Interest payment
21.42
Document processing fee
VAT
Total
275.91
Payment
41
Residual value*
5300.96
Principal payment
255.47
Interest payment
20.44
Document processing fee
VAT
Total
275.91
Payment
42
Residual value*
5045.49
Principal payment
256.46
Interest payment
19.45
Document processing fee
VAT
Total
275.91
Payment
43
Residual value*
4789.03
Principal payment
257.45
Interest payment
18.46
Document processing fee
VAT
Total
275.91
Payment
44
Residual value*
4531.58
Principal payment
258.44
Interest payment
17.47
Document processing fee
VAT
Total
275.91
Payment
45
Residual value*
4273.15
Principal payment
259.43
Interest payment
16.47
Document processing fee
VAT
Total
275.91
Payment
46
Residual value*
4013.71
Principal payment
260.43
Interest payment
15.47
Document processing fee
VAT
Total
275.91
Payment
47
Residual value*
3753.28
Principal payment
261.44
Interest payment
14.47
Document processing fee
VAT
Total
275.91
Payment
48
Residual value*
3491.84
Principal payment
262.45
Interest payment
13.46
Document processing fee
VAT
Total
275.91
Payment
49
Residual value*
3229.39
Principal payment
263.46
Interest payment
12.45
Document processing fee
VAT
Total
275.91
Payment
50
Residual value*
2965.94
Principal payment
264.47
Interest payment
11.43
Document processing fee
VAT
Total
275.91
Payment
51
Residual value*
2701.46
Principal payment
265.49
Interest payment
10.41
Document processing fee
VAT
Total
275.91
Payment
52
Residual value*
2435.97
Principal payment
266.52
Interest payment
9.39
Document processing fee
VAT
Total
275.91
Payment
53
Residual value*
2169.45
Principal payment
267.54
Interest payment
8.36
Document processing fee
VAT
Total
275.91
Payment
54
Residual value*
1901.91
Principal payment
268.58
Interest payment
7.33
Document processing fee
VAT
Total
275.91
Payment
55
Residual value*
1633.33
Principal payment
269.61
Interest payment
6.30
Document processing fee
VAT
Total
275.91
Payment
56
Residual value*
1363.72
Principal payment
270.65
Interest payment
5.26
Document processing fee
VAT
Total
275.91
Payment
57
Residual value*
1093.07
Principal payment
271.69
Interest payment
4.21
Document processing fee
VAT
Total
275.91
Payment
58
Residual value*
821.38
Principal payment
272.74
Interest payment
3.17
Document processing fee
VAT
Total
275.91
Payment
59
Residual value*
548.64
Principal payment
273.79
Interest payment
2.12
Document processing fee
VAT
Total
275.91
Payment
60
Residual value*
274.85
Principal payment
274.85
Interest payment
1.06
Document processing fee
VAT
Total
275.91
Payment
Residual value*
0.00
Principal payment
16393.44
Interest payment
1800.33
Document processing fee
200.00
VAT
3606.56
Total
22000.33

Car lease payment schedule sample

Payment Residual value* Principal payment Interest payment Document processing fee VAT Total
Payment
0
Residual value*
16393.44
Principal payment
1639.34
Interest payment
Document processing fee
200.00
VAT
3606.56
Total
5445.90

Car lease payment schedule sample

Payment Residual value* Principal payment Interest payment Document processing fee VAT Total
Payment
0
Residual value*
16393.44
Principal payment
1639.34
Interest payment
Document processing fee
200.00
VAT
360.66
Total
2200.00
Payment
1
Residual value*
14754.10
Principal payment
148.90
Interest payment
56.88
Document processing fee
VAT
32.76
Total
238.54
Payment
2
Residual value*
14605.19
Principal payment
149.38
Interest payment
56.30
Document processing fee
VAT
32.86
Total
238.55
Payment
3
Residual value*
14455.81
Principal payment
149.86
Interest payment
55.73
Document processing fee
VAT
32.97
Total
238.56
Payment
4
Residual value*
14305.95
Principal payment
150.34
Interest payment
55.15
Document processing fee
VAT
33.08
Total
238.57
Payment
5
Residual value*
14155.60
Principal payment
150.83
Interest payment
54.57
Document processing fee
VAT
33.18
Total
238.58
Payment
6
Residual value*
14004.78
Principal payment
151.31
Interest payment
53.99
Document processing fee
VAT
33.29
Total
238.59
Payment
7
Residual value*
13853.46
Principal payment
151.80
Interest payment
53.41
Document processing fee
VAT
33.40
Total
238.60
Payment
8
Residual value*
13701.66
Principal payment
152.29
Interest payment
52.82
Document processing fee
VAT
33.50
Total
238.61
Payment
9
Residual value*
13549.38
Principal payment
152.78
Interest payment
52.23
Document processing fee
VAT
33.61
Total
238.62
Payment
10
Residual value*
13396.60
Principal payment
153.27
Interest payment
51.64
Document processing fee
VAT
33.72
Total
238.63
Payment
11
Residual value*
13243.34
Principal payment
153.76
Interest payment
51.05
Document processing fee
VAT
33.83
Total
238.64
Payment
12
Residual value*
13089.58
Principal payment
154.25
Interest payment
50.46
Document processing fee
VAT
33.94
Total
238.65
Payment
13
Residual value*
12935.33
Principal payment
154.75
Interest payment
49.87
Document processing fee
VAT
34.04
Total
238.66
Payment
14
Residual value*
12780.58
Principal payment
155.24
Interest payment
49.27
Document processing fee
VAT
34.15
Total
238.67
Payment
15
Residual value*
12625.34
Principal payment
155.74
Interest payment
48.67
Document processing fee
VAT
34.26
Total
238.68
Payment
16
Residual value*
12469.59
Principal payment
156.24
Interest payment
48.07
Document processing fee
VAT
34.37
Total
238.69
Payment
17
Residual value*
12313.35
Principal payment
156.75
Interest payment
47.47
Document processing fee
VAT
34.48
Total
238.70
Payment
18
Residual value*
12156.60
Principal payment
157.25
Interest payment
46.86
Document processing fee
VAT
34.59
Total
238.71
Payment
19
Residual value*
11999.35
Principal payment
157.75
Interest payment
46.26
Document processing fee
VAT
34.71
Total
238.72
Payment
20
Residual value*
11841.60
Principal payment
158.26
Interest payment
45.65
Document processing fee
VAT
34.82
Total
238.73
Payment
21
Residual value*
11683.34
Principal payment
158.77
Interest payment
45.04
Document processing fee
VAT
34.93
Total
238.74
Payment
22
Residual value*
11524.57
Principal payment
159.28
Interest payment
44.43
Document processing fee
VAT
35.04
Total
238.75
Payment
23
Residual value*
11365.29
Principal payment
159.79
Interest payment
43.81
Document processing fee
VAT
35.15
Total
238.76
Payment
24
Residual value*
11205.50
Principal payment
160.30
Interest payment
43.20
Document processing fee
VAT
35.27
Total
238.77
Payment
25
Residual value*
11045.19
Principal payment
160.82
Interest payment
42.58
Document processing fee
VAT
35.38
Total
238.78
Payment
26
Residual value*
10884.37
Principal payment
161.34
Interest payment
41.96
Document processing fee
VAT
35.49
Total
238.79
Payment
27
Residual value*
10723.04
Principal payment
161.85
Interest payment
41.34
Document processing fee
VAT
35.61
Total
238.80
Payment
28
Residual value*
10561.18
Principal payment
162.37
Interest payment
40.71
Document processing fee
VAT
35.72
Total
238.81
Payment
29
Residual value*
10398.81
Principal payment
162.90
Interest payment
40.09
Document processing fee
VAT
35.84
Total
238.82
Payment
30
Residual value*
10235.91
Principal payment
163.42
Interest payment
39.46
Document processing fee
VAT
35.95
Total
238.83
Payment
31
Residual value*
10072.49
Principal payment
163.94
Interest payment
38.83
Document processing fee
VAT
36.07
Total
238.84
Payment
32
Residual value*
9908.55
Principal payment
164.47
Interest payment
38.20
Document processing fee
VAT
36.18
Total
238.85
Payment
33
Residual value*
9744.08
Principal payment
165.00
Interest payment
37.56
Document processing fee
VAT
36.30
Total
238.86
Payment
34
Residual value*
9579.08
Principal payment
165.53
Interest payment
36.93
Document processing fee
VAT
36.42
Total
238.87
Payment
35
Residual value*
9413.55
Principal payment
166.06
Interest payment
36.29
Document processing fee
VAT
36.53
Total
238.88
Payment
36
Residual value*
9247.48
Principal payment
166.59
Interest payment
35.65
Document processing fee
VAT
36.65
Total
238.89
Payment
37
Residual value*
9080.89
Principal payment
167.13
Interest payment
35.01
Document processing fee
VAT
36.77
Total
238.91
Payment
38
Residual value*
8913.76
Principal payment
167.67
Interest payment
34.36
Document processing fee
VAT
36.89
Total
238.92
Payment
39
Residual value*
8746.09
Principal payment
168.21
Interest payment
33.72
Document processing fee
VAT
37.01
Total
238.93
Payment
40
Residual value*
8577.89
Principal payment
168.75
Interest payment
33.07
Document processing fee
VAT
37.12
Total
238.94
Payment
41
Residual value*
8409.14
Principal payment
169.29
Interest payment
32.42
Document processing fee
VAT
37.24
Total
238.95
Payment
42
Residual value*
8239.85
Principal payment
169.83
Interest payment
31.76
Document processing fee
VAT
37.36
Total
238.96
Payment
43
Residual value*
8070.02
Principal payment
170.38
Interest payment
31.11
Document processing fee
VAT
37.48
Total
238.97
Payment
44
Residual value*
7899.64
Principal payment
170.92
Interest payment
30.45
Document processing fee
VAT
37.60
Total
238.98
Payment
45
Residual value*
7728.72
Principal payment
171.47
Interest payment
29.79
Document processing fee
VAT
37.72
Total
238.99
Payment
46
Residual value*
7557.25
Principal payment
172.02
Interest payment
29.13
Document processing fee
VAT
37.85
Total
239.00
Payment
47
Residual value*
7385.22
Principal payment
172.58
Interest payment
28.47
Document processing fee
VAT
37.97
Total
239.01
Payment
48
Residual value*
7212.64
Principal payment
173.13
Interest payment
27.80
Document processing fee
VAT
38.09
Total
239.03
Payment
49
Residual value*
7039.51
Principal payment
173.69
Interest payment
27.14
Document processing fee
VAT
38.21
Total
239.04
Payment
50
Residual value*
6865.82
Principal payment
174.25
Interest payment
26.47
Document processing fee
VAT
38.33
Total
239.05
Payment
51
Residual value*
6691.58
Principal payment
174.81
Interest payment
25.80
Document processing fee
VAT
38.46
Total
239.06
Payment
52
Residual value*
6516.77
Principal payment
175.37
Interest payment
25.12
Document processing fee
VAT
38.58
Total
239.07
Payment
53
Residual value*
6341.40
Principal payment
175.93
Interest payment
24.45
Document processing fee
VAT
38.70
Total
239.08
Payment
54
Residual value*
6165.47
Principal payment
176.50
Interest payment
23.77
Document processing fee
VAT
38.83
Total
239.09
Payment
55
Residual value*
5988.98
Principal payment
177.06
Interest payment
23.09
Document processing fee
VAT
38.95
Total
239.10
Payment
56
Residual value*
5811.92
Principal payment
177.63
Interest payment
22.40
Document processing fee
VAT
39.08
Total
239.12
Payment
57
Residual value*
5634.28
Principal payment
178.20
Interest payment
21.72
Document processing fee
VAT
39.20
Total
239.13
Payment
58
Residual value*
5456.08
Principal payment
178.77
Interest payment
21.03
Document processing fee
VAT
39.33
Total
239.14
Payment
59
Residual value*
5277.31
Principal payment
179.35
Interest payment
20.34
Document processing fee
VAT
39.46
Total
239.15
Payment
60
Residual value*
5097.96
Principal payment
179.93
Interest payment
19.65
Document processing fee
VAT
39.58
Total
239.16
Payment
Residual value*
4918.03
Principal payment
11475.41
Interest payment
2330.49
Document processing fee
200.00
VAT
2524.59
Total
16530.49

Finance lease

  • Become the owner of the car at the end of the lease period
  • Gradually pay out car purchase value and interest within the lease period

Operating lease

  • Possibility to return a car to the buyback provider or buy it out for residual value at the end of lease period

Hire-purchase

  • The seller of the asset is a private person or a company not liable to VAT.
  • Goods are not subject to VAT.
  • No VAT is added to the monthly payments.

Starting January 1, 2025, a motor vehicle tax entered into force, consisting of a vehicle registration fee and an annual fee.

The registration fee applies to passenger cars (M1 category) and trucks with a gross weight of up to 3,500 kilograms (N1 category). The registration fee must be paid to the Transport Administration before the first registration in Estonia. This fee also applies to vehicles already listed in Estonian motor register upon the first change of ownership if no registration fee has been paid for that vehicle before.

The registration fee is not payable if, at the end of a leasing agreement, the lessee (i.e. the responsible user) becomes the new registered owner of the vehicle. If a third party buys out the leased vehicle, then the registration fee must be paid. Another exception is when ownership changes due to inheritance; in this case, no registration fee is required.

Additionally, the owner of a motor vehicle is required to pay the annual fee to the Tax and Customs Board. For leased vehicles, the lessee as the responsible user must pay the annual fee.

Useful Information

  1. Fill in an application via Internet Bank or apply for consultation.
  2. We will contact you.
  3. If the seller is not a cooperation partner of Swedbank, order the valuation report of the car.
  4. The lease agreement may be signed digitally via Internet Bank.
    Manual on the digital signing of leasing documents
  5. The seller initiates the registration of the vehicle at the name of Swedbank AS at the Traffic Register Bureau of the Transport Administration.
    Transport Administration e-service guide for vehicle vendor
  6. The car must have valid CASCO insurance and Traffic insurance. If your CASCO insurance provider is not Swedbank P&C Insurance AS, send the policy by e-mail to liisinguadmin@swedbank.ee or upload to the Internet bank on the E-documents page by clicking here.

View the financing eligibility of your business

The financing eligibility of your business is based on its latest annual report. Responsible corporate behaviour creates easier and more favourable access to funding.

{ "yAxis": { "min": 0, "max": 100 } }

Chart

Chart with 1 data point.
The chart has 1 Y axis displaying values. Data ranges from 0 to 100.
End of interactive chart.

What´s next?

  1. Log in to the Internet Bank.
  2. View your financing eligibility level.
  3. Identify your strengths and weaknesses.
  4. If you do not see the financing eligibility level of your business or if you have any questions, please book an appointment for a personal consultation.

Financials

Your company’s loan eligibility is based on your latest financial statement, so be sure to do your accounting properly and keep the financial statements up to date.

Up to date annual, and sometimes quarterly, financial statements are instrumental in the loan application process.

Your equity is:   EUR.

Equity ratio is:  %.

The bigger the self contribution in a company’s assets, the lower the credit risk related to the company.

EBITDA

Earnings before interest, taxes, depreciation and amortization
  EUR.

A company’s ability to generate profit is an important factor in financial eligibility evaluations.

A company should have enough cash available to cover potential additional liabilities.

To be eligible for financing, a company must have a sufficient level of turnover or a future project with good turnover potential. A sustainable pace of turnover growth is one sign of a financially healthy company.

Credit history

Your company’s credit history is one of the most important factors in determining your loan eligibility. Normally, this means reviewing the payment history of your company, other companies related to it and key people involved. You can find more information about the personal data processing here.

Timely payments of existing and past loans held by your company with Swedbank is one of the key elements of the financial eligibility of both the company and related individuals.

The status of payment discipline at your company and its group members in respect to third parties helps us understand whether your company is a responsible partner.

Relationship with bank

Please let us know if you have recently changed the name of your company, its ownership or area of business. Make sure to complete and update your anti-money laundering (AML) questionnaire, as this is an essential part of loan applications.

A completed and up to date Customer data questionnaire is a prerequisite for applying for a loan from Swedbank.

A sustainable and long-term relationship with the bank creates beneficial conditions when applying for financing.

Blocked accounts can be a clear indication that a company is experiencing difficulties.

The longer your business has been operating, the more trustworthy it is for us.

General conditions

  • Leasing available for passenger and light commercial vehicles (up to 3.5 tonnes).
  • Financed amount from EUR 7 000.
  • Interest rate from 2.29% + 6 month Euribor.
  • Down payment from 10%.
  • At the end of lease period vehicle have to be not older than 15 years.
  • Repayment period up to 6 years.

Special conditions for environmentally friendly cars!

Get special conditions when purchasing an electric, low-consumption or hybrid car.

  • Annual interest rate from 1.49% + 6 month Euribor when buying a car with a CO2 emission level not exceeding 50 g/km*.
  • Annual interest rate from 1.89% + 6 month Euribor when buying a new car with a CO2 emission level of 51–130 g/km* .
  • Special conditions include Swedbank casco insurance with an 10% discount for the first year.

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

Vehicle and equipment leasing

Vehicles and equipment together with mentioned property.

NB! Legal person price list also applies for the self-employed.

Effective as of 01.11.2024
Agreement fee 1% of the price of the property, no less than 200 €
Amendment of the lease agreement
changing the payment date (first change is free of charge) 30 €
changing the agreement period, type, collateral (e.g. surety, guarantee); making an additional payment and or additional financing, restoring an agreement, grace period (incl. with prolonging the lease agreement accordingly); other changes. 160 €
Early termination of the lease agreement (gaining ownership of the property)
fixed interest rate agreement the interest sum of up to 6 months following termination
floating interest rate agreement the interest sum of up to 3 months following termination
withdrawal from contract at the initiative of the lessee the agreement fee
purchasing of the vehicle by a third party in case of operating and capital lease agreements

The price is inclusive of VAT.

In case of operating lease fee is applicable for early termination and contract expiration.

150 € (in addition to termination fees)
Penalty 0.15% a day
Other services
The price is inclusive of VAT.
an unattested power of attorney of giving property to sublessee 50 €
an unattested power of attorney (e.g. exchange of the license plate, amendment of the user data, ordering of keys etc.) 10 €
formalization of Estonian Transport Administration e-service transaction 5 €
notarized power of attorney of the vehicle (e.g. using the vehicle) no less than 75 €
preparation of certificate 10 €
sending a notice on breach, forwarding a fine 10 €
re-formalization of an invoice (incl. cancelling) 50 €
confirmation of a balance issued by the lessee free of charge
balance confirmations issued by the leaser 10 €
balance comparison notices issued by the leaser 20 €
contractual penalty for delays in the timely return of the vehicle 50 € a day
document processing fee (e.g. archived documents) 30 €
property valuation service (incl. passenger cars, motorcycles, ATVs) 95 €
provision of valuation services on site agreed fee
truck, trailer, heavy machinery (incl. excavators, caravan cars, tractors, loaders, hoists, combine harvesters, couplings, forestry machinery), watercraft and equipment valuation service agreed fee

You can:

  • extend the term;
  • apply for a grace period;
  • make early partial repayments.

To change the contract please submit an application

Authorisation for Use of The Vehicle

  • Fill in an application for the termination of the contract if you want to pay off the remaining balance in full or sell the vehicle before due date.
  • In the case that the vehicle is purchased by a third person, we require a confirmation from the buyer via a bank notice or e-mail at liising@swedbank.ee. Final invoice preparation could take up to 2 weeks. Swedbank Liising AS has the right to refuse to prepare the final invoice to the third party indicated in the invoice. In case the lease object is being purchased by a third person, then service fee will apply according to the pricelist.
  • In the case that the vehicle is purchased by a third person, we require a confirmation from the buyer via a bank notice or e-mail at liising@swedbank.ee. Final invoice preparation could take up to 2 weeks. Lessor has the right to refuse to prepare the final invoice to the third party indicated in the invoice. In case the lease object is being purchased by a third person, then service fee will apply according to the pricelist. Registration fee may apply when changing vehicle ownership at the Transport Administration.
  • You will receive an invoice, and following the final payment you can register the vehicle at the Estonian Transport Administration in your or the buyer’s name.

  • Once your contract expires and you have no more liabilities to the bank, we will initiate the transfer of the ownership of the vehicle in the e-service of the Transport Administration.
  • After receiving notification re-register the car at the Transport Administration.

  • Extending the contract. Fill in an application, we will find an appropriate solution for financing the residual value and prepare a new payment schedule.
  • Paying off the residual value. Fill in an application for termination of the contract. You will receive an invoice, and following the final payment you can re-register the vehicle at the Estonian Transport Administration.
  • Returning the vehicle. The leased car must be presented to the car dealership for vehicle inspection no later than 1 month before the expiry of the contract. The vehicle must meet the requirements of normal wear at the time of return. Fill in the act of property inspection and return.
  • Returning the vehicle. The leased car must be presented to the car dealership for vehicle inspection no later than 1 month before the expiry of the contract. The vehicle must meet the requirements of normal wear at the time of return.

  • If you want to sell the vehicle passing the leasing contract to the buyer, the buyer must fill in the lease application.
  • Following a positive decision, fill in an application for termination of the contract indicating the details of the buyer.
  • We shall enter into a leasing agreement with the buyer, after which the car shall be re-registered at the Transport Administration.
  • Note! The previous owner must contact the insurance company and re-register the Traffic Insurance before the re-registration.

If you want to register the leased car in your name, we will initiate the transfer of the vehicle in the e-service of the Transport Administration. Following the payment of the last instalment you must complete the process within five calendar days, starting from the moment the information has been entered into the e-service. You will be notified accordingly.

  • If your leasing contract ends, take a look at your insurance contract, too, as it may also end.
  • If you register the car in your name, let us know, so we can register the Casco Insurance contract in your name too.
  • All contracts are accessible to you in the Business Internet Bank, where you can view and change the conditions. For more information please call +372 888 1513 or send an e-mail to varakindlustus@swedbank.ee.

More friendly for the environment and business

Did you know that transport is responsible for 30% of total CO2 emissions? But the car industry also brings lots of new possibilities. Eco-friendly cars are not only better for the environment, they also tend to have lower ownership costs. Even if the initial cost of the car is higher, the investment pays off during use. A win-win for both the environment and your business!

Experience and know-how

  • When is an electric car better value?

    Electric cars and hybrid cars have become traffic participants that we encounter on an everyday basis. Explore the comparison as this may be a good choice for you too.
    Find out more

  • Green cars – a new trend

    More than 1,000 eco-friendly cars have been purchased in the Baltics with the help of financing by Swedbank.
    Find out more

Fuel economy and environmental label

When buying a new car, pay attention to the fuel economy and environmental labels, designated by the abbreviation WLTP. They indicate how much CO2 emissions your car produces. Lower CO2 – better for the environment and beneficial for business.

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

Low & average emission
vehicles (mostly hybrid vehicles)

Average & high emission
vehicles (diesel, petrol vehicles)

CO₂ calculator

Calculate how much carbon footprint does your transport choice create monthly?
60 km
0 km300 km
1
120
  • 12
  • 276
  • 151

Calculator's methodology based on ClimateCare.

Leasing offers

Special offer on Lexus UX and LBX models!

Interest of 0.99% + 6 months’ Euribor!

Read more

Special offer on Toyota hybrid, plug-in hybrid, and electric vehicles!

Fixed interest rate of 1.5%, and no added Euribor!

Read more

Special offer on Suzuki Vitara, Swift, and S-CROSS models!

Fixed interest rate of 1.99%, and no added Euribor!

Read more

You might also be interested in

Casco insurance

Free car assistance and guaranteed original spare parts for repairing cars not older than five years.

Read more

Traffic insurance

All contracts of financial services in one place. You don’t need to worry about payments, they will be paid automatically from your bank account.

Read more
Swedbank logo

Internet Exploreriga ei saa internetipanka avada.

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

Alates 23. märtsist ei ole võimalik Internet Exploreri veebibrauseri kaudu Swedbanki internetipanka avada.

Internet Exploreri kaudu ei saa teha ega kinnitada Swedbanki makseid ka teistel veebilehtedel.

Soovitame kasutada Internet Exploreri asemel Google Chrome’i, Mozilla Firefoxi või Microsoft Edge’i uusimat versiooni. Nende seadistamise juhendid leiad siit.

С 23.03.2021 Интернет-банк Swedbank недоступен в браузере Internet Explorer.

С помощью Internet Explorer невозможно авторизоваться или осуществлять платежи через Swedbank на сторонних веб-страницах.

Вместо браузера Internet Explorer мы рекомендуем использовать браузеры Google Chrome, Mozilla Firefox или Microsoft Edge. Инструкции по установке упомянутых браузеров можно найти здесь.

From 23.03.2021 Swedbank Internet Bank and Banklink is no longer available using Internet Explorer browser.

It is not possible to authorize or make payments from Swedbank on other web pages using Internet Explorer.

Instead, we suggest using Google Chrome, Mozilla Firefox or the newest version of Microsoft Edge. To find out how to install the suggested browsers, please click here.

Klienditugi - Инфо и помощь - Customer service: +372 6 310 310

You have been logged out from Internet bank

For extra security close the browser window. If you wish to continue using Internet bank, please log in again.