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Leasing for businesses

Bring power to your business

Leasing Portal Lease calculator

For new and used objects

Repay within up to 7 years

Financing of up to 90%

Even if you are not yet a Citadele customer

Fast application processing

For cars

For commercial transport

For farmers

For industrial machinery and equipment

Leasing portal

Check your applications, active agreements and apply for new leasing.

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Payments and billing

  • Pay your monthly invoices easily and quickly.
  • View up-to-date information on your leasing agreement.
  • Review your payment history.
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Contract and asset details

  • See your financed amount, contract number and term.
  • Track changes to interest rates and payment schedule.
  • View asset details – make, model, VIN, etc.
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Other Information

  • Update your contact details (email and phone number).
  • Manage your consent for personal data processing.
  • View information on the asset’s insurer.
  • Apply for a new leasing.

Leasing calculator

The interest rate consists of fixed interest rate determined by Citadele Leasing and 3- or 6-month variable EURIBOR interest rate. For each transaction, the interest rate is calculated individually, taking into account the cooperation relationships between the client and the Citadele, leasing asset criteria, down payment, etc.
0 EUR
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The calculator is just for your information and each customer's situation is evaluated individually.
Apply

The interest rate consists of fixed interest rate determined by Citadele Leasing and 3- or 6-month variable EURIBOR interest rate. For each transaction, the interest rate is calculated individually, taking into account the cooperation relationships between the client and the Citadele, leasing asset criteria, down payment, etc.
0 EUR
Payment schedule icon
The calculator is just for your information and each customer's situation is evaluated individually.
Apply

Leasing with InvestEU guarantee

Thanks to Citadele's collaboration with the European Investment Fund (EIF), small and medium enterprises in Latvia, Lithuania and Estonia can access leasing with an EIF guarantee and better terms.

Fill in an application

Car leasing

  • Financing of up to 90% of the car value.
  • Financing from 10 000 EUR.
  • Leasing period up to 7 years.
  • The age of the car at the end of the lease term is up to 15 years.
Apply Lease Calculator

Citadele Leasing and partners special offers

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Electric car at a great rate

Interest rate from 1.49% + 3 month EURIBOR

New Skoda cars

Down payment from 0%

Trade in your old van for a new one

Down payment from 0%

Electric car at a great rate

Interest rate from 1.49% + 3 month EURIBOR

New Skoda cars

Down payment from 0%

Trade in your old van for a new one

Down payment from 0%

Specialists

Commercial transport leasing

  • Operating or financial lease.
  • Financing of up to 90% of the value of the object.
  • Repay within 6 years.
  • For vehicles no older than 10 years by the end of the lease period.
Apply Lease Calculator

Specialists

Leasing or leasing loans for agriculture

  • Financing of up to 90% of the value of the object.
  • Contract term of up to 10 years.
  • EU funding can be obtained for the purchase of agricultural machinery. Object is included on the business’ balance sheet as a fixed asset.
Apply Lease Calculator

Specialists

Industrial technology and equipment leasing

  • For new and used objects.
  • Financing of up to 90% of the object price.
  • Lease term of up to seven years.
  • You can use leasing if the age of the agricultural equipment by the repayment date is under 18 years. Road building, construction and industrial equipment, as well as other unregistered technology must be under 15 years.
Apply Lease Calculator

Specialists

For sale

All vehicles

Need help?

Get instant answers to your questions 24/7 from our website help tool: our virtual financial consultant, Adele.

What is the difference between operational leasing and financial leasing?

Financial leasing will be most suitable if you want to become the owner of the leased object after the final payment. During the leasing period, the entire cost of the leased object will be paid in monthly installments.

Operating leasing is suitable if you want to use a leased object for a certain amount of time and aren’t sure whether you wish to keep it. At the end of the lease period, you will be able to choose whether to return the object, sell it to third oarty or purchase it for the remaining value.

Where should I submit copy of CASCO insurance policy?

Use Leasing portal to submit CASCO insurance policy digitally or send copy of policy to kindlustus@citadeleleasing.ee.

What costs do I have to take into account when concluding a leasing agreement?

Initial costs that you have to take into account when concluding a leasing transaction: down payment, agreement fee, car appraisal (if a used car is purchased), car registration with the Traffic Register Bureau of the Transport Administration, CASCO and traffic insurance. In the following period - monthly leasing payments, insurance, fuel and car maintenance costs.

What is financed by Citadele Leasing?

Citadele Leasing finances purchase of cars, motor vehicles, commercial vehicles, various types of machinery and equipment. The leasing object can be new or second hand.

Does object of leasing need insurance?

The object of leasing must be insured with casco/property and traffic insurance (if required by the law) for the entire period of the lease. 

At your request, our partner, Howden Kindlustusmaakler OÜ, will make you a casco, prorerty and/or traffic insurance offer.

Can a lease agreement be terminated early?

Yes, lease agreement can be terminated early.

In this case, leased object is bought out by the lessee or sold to a third party.

To receive final invoice, please send us your request to liising@citadele.ee or submit application for agreement termination through Leasing portal.

Invoice will be prepared within 1 working day.

After payment of the final invoice, leasing initiates the change of ownership in the e-service of the Transport Administration in the name of the buyer within two working days.

A service fee might be charged in accordance with the price list:

How does the increase in value-added tax (VAT) affect my lease?

Starting from July 1, 2025, the VAT rate in Estonia is 24%, instead of the previous 22%. 

For finance lease agreements, there will be no changes in the payments due to the increase in VAT if the selling price of the leased object has been paid to the seller and the leased object has been handed over to you by June 30, 2025. 

For operate lease agreements, the new VAT rate 24% will be added to the installment (principal payments), which will affect the monthly payment amount.

When purchasing the leased object (e.g., a vehicle) of an operating lease agreement, the new VAT rate of 24% will be added.

You can find all the details of your lease agreement in the leasing portal.

Can I transfer lease agreement to another person?

If you have found an interested party who wants to transfer your lease agreement to their name and become the new user of the leased object, it essentially involves applying for a new lease.  Therefore, we kindly ask the interested party to submit a lease application with the additional documents required.

If the credit decision is positive and interested party wishes to enter into a lease agreement with us, you will need to submit an application to terminate your lease agreement prematurely.

I applied for a leasing, but nobody has contacted me. What should I do?

Please check the status of your submitted application in the Leasing Portal. If you see that the request has been successfully forwarded, but you still haven't received a response within 3 working days, contact us by phone +372 77 00 000 or email liising@citadele.ee.

Does an object in leasing need CASCO insurance?

The object of leasing must be insured with CASCO insurance for the entire period of the lease, the beneficiary must be SIA Citadele Leasing Estonian branch. The client must always provide a copy of the valid CASCO insurance to leasing.

More questions
What is the difference between operational leasing and financial leasing?

Financial leasing will be most suitable if you want to become the owner of the leased object after the final payment. During the leasing period, the entire cost of the leased object will be paid in monthly installments.

Operating leasing is suitable if you want to use a leased object for a certain amount of time and aren’t sure whether you wish to keep it. At the end of the lease period, you will be able to choose whether to return the object, sell it to third oarty or purchase it for the remaining value.

Where should I submit copy of CASCO insurance policy?

Use Leasing portal to submit CASCO insurance policy digitally or send copy of policy to kindlustus@citadeleleasing.ee.

What costs do I have to take into account when concluding a leasing agreement?

Initial costs that you have to take into account when concluding a leasing transaction: down payment, agreement fee, car appraisal (if a used car is purchased), car registration with the Traffic Register Bureau of the Transport Administration, CASCO and traffic insurance. In the following period - monthly leasing payments, insurance, fuel and car maintenance costs.

What is financed by Citadele Leasing?

Citadele Leasing finances purchase of cars, motor vehicles, commercial vehicles, various types of machinery and equipment. The leasing object can be new or second hand.

Does object of leasing need insurance?

The object of leasing must be insured with casco/property and traffic insurance (if required by the law) for the entire period of the lease. 

At your request, our partner, Howden Kindlustusmaakler OÜ, will make you a casco, prorerty and/or traffic insurance offer.

Can a lease agreement be terminated early?

Yes, lease agreement can be terminated early.

In this case, leased object is bought out by the lessee or sold to a third party.

To receive final invoice, please send us your request to liising@citadele.ee or submit application for agreement termination through Leasing portal.

Invoice will be prepared within 1 working day.

After payment of the final invoice, leasing initiates the change of ownership in the e-service of the Transport Administration in the name of the buyer within two working days.

A service fee might be charged in accordance with the price list:

How does the increase in value-added tax (VAT) affect my lease?

Starting from July 1, 2025, the VAT rate in Estonia is 24%, instead of the previous 22%. 

For finance lease agreements, there will be no changes in the payments due to the increase in VAT if the selling price of the leased object has been paid to the seller and the leased object has been handed over to you by June 30, 2025. 

For operate lease agreements, the new VAT rate 24% will be added to the installment (principal payments), which will affect the monthly payment amount.

When purchasing the leased object (e.g., a vehicle) of an operating lease agreement, the new VAT rate of 24% will be added.

You can find all the details of your lease agreement in the leasing portal.

Can I transfer lease agreement to another person?

If you have found an interested party who wants to transfer your lease agreement to their name and become the new user of the leased object, it essentially involves applying for a new lease.  Therefore, we kindly ask the interested party to submit a lease application with the additional documents required.

If the credit decision is positive and interested party wishes to enter into a lease agreement with us, you will need to submit an application to terminate your lease agreement prematurely.

I applied for a leasing, but nobody has contacted me. What should I do?

Please check the status of your submitted application in the Leasing Portal. If you see that the request has been successfully forwarded, but you still haven't received a response within 3 working days, contact us by phone +372 77 00 000 or email liising@citadele.ee.

Does an object in leasing need CASCO insurance?

The object of leasing must be insured with CASCO insurance for the entire period of the lease, the beneficiary must be SIA Citadele Leasing Estonian branch. The client must always provide a copy of the valid CASCO insurance to leasing.

Financing

Service Fee
Agreement fee 1% of the price of the property, no less than 190 EUR

Early termination of the agreement

Service Fee
Early termination of the lease agreement in case of a floating interest rate 1% of the sum of unpaid instalments, min 225 EUR
Early termination of the lease agreement in case of a fixed interest rate 1,5% of the sum of unpaid instalments, no less than 275 EUR
Purchasing of the vehicle by a third party 1% of the price of the property, no less than 225 EUR

Amendment of the lease agreement

Service Fee
Amendment of the lease agreement (incl. making an additional payment) 1% of the sum of unpaid instalments, min. 160 EUR
Release of the additional collateral (incl. personal guarantees) 1% of the sum of unpaid instalments, min 160 EUR + costs incurred

Other services

Service Fee
Concluding a debt agreement 1% from debt amount, min. 190 EUR
Reinstatement of lease agreement 1% of the sum of unpaid instalments, min. 160 EUR
Issuing a power of attorney (e.g. adding/deleting users, changing number plates, changing vehicle specifications, vehicle modifications, ordering keys etc)1 15 EUR
Notarized power of attorney1 100 EUR, issued within 7 days
Formalization of transaction in E-service of the Estonian Transport Administration on behalf of a customer1 50 EUR + tax/state fee
Power of attorney of giving property to sublessee1 50 EUR
Sending a notice on breach of the agreement1 5 EUR
Fee for the administration of the leased item by an employee due to the return of the leased item 2% of the sum of unpaid instalments, min. 1000 EUR + costs incurred
Penalty for breach of obligation to deposit the leased item for storage 500 EUR + costs incurred
Penalty for late return of the leased object (per day) 0,3% per day of the initial leased amount
Confirmation of balance statement1 15 EUR
Request for audit information1 36 EUR
Preparation of a certificate/confirmation letter1 15 EUR
Request of a copy of the lease agreement or other document1 15 EUR
Processing a claim arising from the violation of parking conditions, traffic regulations, or other legislation (including moving costs of the vehicle)1 36 EUR + incurred costs
Issuing an invoice (paper, post)1 2 EUR per invoice
Issuing a recurring invoice1 15 EUR per invoice
Asset redemption invoice cancellation/ change of invoice1 50 EUR
Handling of an insurance claim 120 EUR
Administration fee of insurance payment (casco/property insurance) - inclusion of insurance premiums to the leasing contract payment schedule1, 2 3 EUR per month
Administration fee of insurance payment (MTPL) - inclusion of insurance premiums to the leasing contract payment schedule1, 2 3 EUR per month

1 Commissions indicated with VAT.

2 Applicable only for customers of SIA Citadele Leasing Estonian branch.

See full price list

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