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Leasing portal

Check your applications, active agreements and apply for new 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

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.

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.

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


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.

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.

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 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.

Where should I submit copy of CASCO insurance policy?

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

What should I do if I want to change my lease agreement?

  • Please send digitally signed application for agreement changes to liising@citadele.ee. Our specialist will then contact you.
  • You can find application here.
  • A service fee will be charged in accordance with the price list.

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

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:

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.

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.

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.

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.

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 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.

Where should I submit copy of CASCO insurance policy?

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

What should I do if I want to change my lease agreement?

  • Please send digitally signed application for agreement changes to liising@citadele.ee. Our specialist will then contact you.
  • You can find application here.
  • A service fee will be charged in accordance with the price list.

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

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:

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.

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.

Even more options

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Payment plans

One payment for all the most important everyday services for your business.
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Payment acceptance

Various solutions for accepting payments in retail locations and online.
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C Business card

A card with travel insurance and purchase protection included.
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