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Leasing

Electric car at a great rate from 1.49% + 3 month EURIBOR.

Leasing Portal Find out your options

Personalized interest

Fill an application and we will make you a personal offer

Down payment from 10%

Lease period up to 7 years

Financing from 10 000 EUR

The age of the car at the end of the lease term is up to 15 years

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

Vehicle price cannot be lower than 11500 EUR Vehicle price cannot exceed 999999 EUR
Contract term in years cannot be lower than 2 Contract term in years cannot exceed 7
2 years
7 years
Down payment cannot be lower than 10 % Down payment cannot exceed 90 % Down payment cannot be lower than 2000 EUR Down payment cannot exceed 18000 EUR
Remaining value cannot be lower than 0 % Remaining value cannot exceed 72 % Remaining value cannot be lower than 0 EUR Remaining value cannot exceed 14400 EUR
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Interest rate cannot be lower than 1.40 % Interest rate cannot exceed 7.00 %
335.75 EUR
Monthly payment
Repayment schedule icon
The calculation is approximate and may differ from the conditions offered to the customer.
Apply
Monthly income cannot be lower than 800 EUR Monthly income cannot exceed 5000 EUR
Monthly liabilities cannot be lower than 0 EUR Monthly liabilities cannot exceed 100 EUR
Maximum monthly payment
0.00 EUR
0.00 EUR
Maximum leasing amount
The calculation is approximate and may differ from the conditions offered to the customer.
Apply

The financial service provider is the Estonian branch of SIA Citadele Leasing (entered in the list of creditors under number 4.1-1 / 81), address Narva mnt 63/1, Tallinn 10120. The annual percentage rate is 5.02% on the following example conditions: purchase amount 21 149.00 EUR (with VAT); down payment 15%; residual value 30%; the sum of the credit 17 976.65 EUR (with VAT); contract period 60 month; number of repayments 61; contract fee 190 EUR; floating interest rate 2.49% per annum + 3 months' Euribor (30.06.2025 3-month Euribor rate was 1.944%; the rate set out in your agreement may change every 3 months; negative Euribor equals to zero); the total sum of the credit 17 324.65 EUR. A motor third party liability insurance contract and CASCO insurance contract need to be concluded. Please examine carefully the terms and conditions of the service before entering into any agreement and if necessary, to consult a specialist.
*If you want to buy a car where the amount to be financed is less than 10 000 EUR, then apply for a car loan.

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%

Drive Electric

BYD car leasing interest rate from 0.99% + 3-month EURIBOR

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%

Drive Electric

BYD car leasing interest rate from 0.99% + 3-month EURIBOR

Trade in your old van for a new one

Down payment from 0%

How does EURIBOR impact finance leae and operative leasing payments?

  • EURIBOR (European Interbank Offered Rate) is the average European interbank rate for a set period. An interest rate is comprised of a fixed part and a variable part, which is the EURIBOR rate. Citadele offers its customers a three- or six-month EURIBOR rate. This means that the variable part of the interest rate is fixed for a period of three or six months. If the EURIBOR rate increases within those three or six months, then your leasing payment will also increase.
  • Considering these changes to interest rates and monthly payments, it is important to evaluate whether you will be able to fulfil your obligations if your monthly payment increases. For example, if the loan amount is 30,000 EUR, an overall interest rate increase of 1 % means that the monthly interest payment will increase by around 26 Euro (around 255 Euro per year.) The larger the loan amount, the greater the impact of interest rate changes on your monthly payment.
  • If you already have a leasing agreement or you wish to sign a new agreement, you can calculate the impact of rate increases on your monthly payment in our leasing calculator.
EURIBOR rate

4 simple steps towards your own car

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Fill in an application

through the online bank or website
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Offer

we will make you a personal leasing offer
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Sign a contract

and make the down payment
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Register your vehicle

in the name of Citadele Leasing and conclude the necessary insurance contracts
icon

Fill in an application

through the online bank or website
icon

Offer

we will make you a personal leasing offer
icon

Sign a contract

and make the down payment
icon

Register your vehicle

in the name of Citadele Leasing and conclude the necessary insurance contracts

Specialists

For sale

All vehicles

Looking for a new car?

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When you purchase a vehicle from our auto partners, you will receive a valuable consultation in leasing matter.

List of auto leasing partners
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CASCO insurance for your car

  • Possibility to pay insurance premiums in monthly installments.
  • Helps you find the best insurance provider.
  • Professional assistance in case of insured events.
  • Insurance for the entire leasing period.
Insurance offer

Insurance partner of SIA Citadele Leasing Estonian branch is Howden Kindlustusmaakler OÜ.

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.

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.

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 operating lease agreement in case of floating interest rate Amount of interest for the next 3 months (free of charge with 3 months' notice)
Early termination of the operating lease agreement in case of a fixed interest rate 1.5% of the sum of unpaid instalments, no less than 275 EUR
Early termination of the financial lease agreement in case of a floating interest rate Free of charge
Early termination of the financial lease agreement in case of a fixed interest rate 1% of the sum of unpaid instalments if the agreement term expires in 1 year or later; 0.5% of the sum of unpaid instalments if the agreement term expires in less than 1 year
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 + 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) 0.0219% per day of the initial leased amount
Confirmation of balance statement1 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
Preparation of a certificate/confirmation letter1 15 EUR
Handling of an insurance claim 120 EUR
Administration fee of insurance payment (casco) - 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 Eesti filiaal.

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