https://www.citadele.ee/en/business/leasing

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Electric car at a great rate from 1.49%

  • Financial or operating lease (car rental).
  • Interest rate from 1.49%.
  • Leasing term up to 72 months.

Leasing calculator

Car leasing

  • Financing of up to 90% of the car value
  • Financing from 5000 EUR
  • Leasing period up to 7 years
  •  The age of the car at the end of the lease term is up to 15 years


Car leasing

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


Commercial transport leasing

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


Leasing or leasing loans for agriculture

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


Industrial technology and equipment leasing

For sale

All vehicles

Didn’t find the answer to your question?

Visit our interactive assistant and find the information you need

Interactive assistant
What is the difference between operational leasing and financial leasing?

Financial leasing will be most suitable if you want to own your car. Monthly payments, compared with an operating lease, will be higher, however, the car will be yours after the final payment. 

Operating leasing is suitable if you want to use a car for a certain amount of time and aren’t sure whether you wish to keep it. Monthly payments, compared with financial leasing, will be smaller. At the end of the lease period, you will be able to choose whether to return the car or purchase it for the remaining value.

How long does it take to find out if I can get leasing?

Citadele leasing provides an answer on financing opportunities within 2 business days after receiving all documents necessary for the evaluation of the transaction.

If you are a natural person, we recommend that you find out your personal leasing limit by logging in and filling in the application here.

Where should I submit copy of CASCO insurance policy?

Please send copy of  CASCO insurance policy to kindlustus@citadeleleasing.ee.

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 a car in leasing need insurance?

The object of leasing must be insured with CASCO and traffic insurance for the entire period of the lease. 

At your request, our partner, Smart Kindlustusmaakler AS, will make you a CASCO and traffic insurance offer.

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.

Where can I see what the rate is for my leasing agreement?

In general, the rate in your leasing/rental agreement is made up of a fixed rate and the EURIBOR rate or variable rate (base rate). The frequency and date of changes to your variable (EURIBOR) rate is set out in your rental/leasing agreement. You can keep up with your updated monthly invoices and payment schedule in the emails we regularly send to the email address in your agreement. Private customers can also conveniently see their monthly invoices from Citadele Leasing in the Leasing Portal. Please bear in mind that the repayment schedule we send to your email address is for your information only, and does not reflect potential fees for missed payments and other additional fees in accordance with the agreement.

Why has the interest rate/monthly payment on my leasing/rental agreement suddenly changed/increased?

Your monthly payment amount depends on several factors, of which just one is the interest rate's variable part, or EURIBOR. The payment amount also depends on the number of days in the specific period, as well as your loan balance. Since 2015, the EURIBOR rate has been negative, but bearing in mind the growing rate of inflation, the European Central Bank (ECB) Council made the decision to raise base rates. The EURIBOR rate has now started to increase, meaning that monthly payments are also increasing. There can be changes to your payment amount every 3, 6 or 12 months, depending on what variable rate is specified in your Agreement.

In order for monthly payment to be paid in the correct amount and on time, we recommend our leasing customers to order an e-invoice with automated payments.

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

Financial leasing will be most suitable if you want to own your car. Monthly payments, compared with an operating lease, will be higher, however, the car will be yours after the final payment. 

Operating leasing is suitable if you want to use a car for a certain amount of time and aren’t sure whether you wish to keep it. Monthly payments, compared with financial leasing, will be smaller. At the end of the lease period, you will be able to choose whether to return the car or purchase it for the remaining value.

How long does it take to find out if I can get leasing?

Citadele leasing provides an answer on financing opportunities within 2 business days after receiving all documents necessary for the evaluation of the transaction.

If you are a natural person, we recommend that you find out your personal leasing limit by logging in and filling in the application here.

Where should I submit copy of CASCO insurance policy?

Please send copy of  CASCO insurance policy to kindlustus@citadeleleasing.ee.

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 a car in leasing need insurance?

The object of leasing must be insured with CASCO and traffic insurance for the entire period of the lease. 

At your request, our partner, Smart Kindlustusmaakler AS, will make you a CASCO and traffic insurance offer.

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.

Where can I see what the rate is for my leasing agreement?

In general, the rate in your leasing/rental agreement is made up of a fixed rate and the EURIBOR rate or variable rate (base rate). The frequency and date of changes to your variable (EURIBOR) rate is set out in your rental/leasing agreement. You can keep up with your updated monthly invoices and payment schedule in the emails we regularly send to the email address in your agreement. Private customers can also conveniently see their monthly invoices from Citadele Leasing in the Leasing Portal. Please bear in mind that the repayment schedule we send to your email address is for your information only, and does not reflect potential fees for missed payments and other additional fees in accordance with the agreement.

Why has the interest rate/monthly payment on my leasing/rental agreement suddenly changed/increased?

Your monthly payment amount depends on several factors, of which just one is the interest rate's variable part, or EURIBOR. The payment amount also depends on the number of days in the specific period, as well as your loan balance. Since 2015, the EURIBOR rate has been negative, but bearing in mind the growing rate of inflation, the European Central Bank (ECB) Council made the decision to raise base rates. The EURIBOR rate has now started to increase, meaning that monthly payments are also increasing. There can be changes to your payment amount every 3, 6 or 12 months, depending on what variable rate is specified in your Agreement.

In order for monthly payment to be paid in the correct amount and on time, we recommend our leasing customers to order an e-invoice with automated payments.

Even more options

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