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Car leasing – a faster way to your new car

Car leasing – a faster way to your new car
  • For purchasing new or used car
  • Fill out the application and receive a response within one working day
  • Favorable conditions even if you are not a Luminor customer
Apply
See what I can afford

Interest rate from 1.89 %

Funding from EUR 8000

Funding up to 90 % of the car value

Leasing for acquisition of new and used cars

Terms and conditions

  • Interest rate – from 2.19 %, for environmentally friendly cars – from 1.89 %
  • Agreement fee – 1 % of the car price (but not less than EUR 200)
  • The term of the leasing is up to 7 years
  • At the end of the leasing agreement term, the age of the car should not exceed 13 years
  • Down payment – from 10 % of the car value
  • KASKO insurance is mandatory throughout the validity period of the agreement
  • Car must be registered in the name of Luminor Lizingas UAB
  • To use the leasing service, you must be at least 21 years old
Representative example. Assuming that the price of a car selected by the consumer is EUR 20,000, financial lease period is 5 years (60 months), down payment is EUR  4,000, i.e., 20 %, administration fee for preparation of the agreement is EUR 200 and the leasing interest rate is 2.95 % + 3 month EURIBOR (not less than 0 %), the total payment amount paid by the lessee is EUR 17,428.40, the annual rate of the total consumer credit price is 3.51 %, monthly payment is EUR 287.14. The example is informative. The car must be insured with CASCO insurance, at the expense of the consumer, with an insurance undertaking acceptable to Luminor Lizingas UAB (the insurance costs are not included in annual rate of the total consumer credit price).

Private leasing calculator

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Redeemend rent – in the case of this leasing type, the lessee pays the full purchase price of the property during the leasing period, interest and becomes the owner of the property at the end of the leasing period.

Redeemend rent with residual value – in the case of this leasing type, the lessee pays part of the price of the property specified in the lease term during the lease term, and the remaining part of the property is paid together with the last installment paid by the lessee or repurchased by a third party . The residual value (car repurchase guarantee) at the end of the leasing contract is determined by the car seller, taking into account the desired lease term, planned mileage and future market value after the leasing period.Tap to close

Leasing type
Eur
Eur
%
month
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Provisional yearly interest rate which you will have to pay to the bank. You will be informed about the exact interest rate after submitting the from.Tap to close

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Eur
%

Monthly payment: EUR

Contract fee: EUR

The displayed result is informative and based on approximate calculation.

Representative example. Assuming that the price of a car selected by the consumer is EUR 20,000, financial lease period is 5 years (60 months), down payment is EUR 4,000, i.e., 20 %, administration fee for preparation of the agreement is EUR 200 and the leasing interest rate is 2.95 % + 3 month EURIBOR (not less than 0 %), the total payment amount paid by the lessee is EUR 17,428.40, the annual rate of the total consumer credit price is 3.51 %, monthly payment is EUR 287.14. The example is informative. The car must be insured with CASCO insurance, at the expense of the consumer, with an insurance undertaking acceptable to Luminor Lizingas UAB (the insurance costs are not included in annual rate of the total consumer credit price).

Failure to properly and timely fulfil your financial obligations will increase the costs of financing services. It may also adversely affect your credit history and ability to obtain financing on favorable terms in the future. If the lease agreement is terminated due to material breach (e.g., failure to make timely payments), forced debt recovery may be commenced and you may lose the payments you have already made as well as the rights to the leased asset.

Leasing service is provided by Luminor Lizingas UAB.

Additional info

Payment schedule table

Payment No.Unpaid partValue of assets to coverInterest rate amountTotal monthly payment

Accepted insurance companies

Insurance companies accepted by Luminor across Baltics

Luminor across Baltics accepts insurance contracts issued by following companies and their branch offices:

  • Lietuvos draudimas AB (incl. PZU Kindlustus as AB “Lietuvos draudimas “Eesti filial)
  • AAS BALTA
  • If P&C Insurance AS
  • ERGO Insurance SE
  • Seesam Insurance AS
  • ADB Gjensidige
  • Compensa Vienna Insurance Group ADB
  • AAS BTA Baltic Insurance Company
  • Swedbank P&C Insurance AS

Insurance companies accepted by Luminor with conditions

Following insurance companies are accepted with conditions:

Insurance company Location/market Accepted insurance lines Value limit (incl. VAT) for object
SALVA Estonia only All No limit
BAN Latvia only All No limit
BALCIA Lithuania only MOD1 No limit 
1MOD/ KASKO/ CASCO

Do not forget the documents

  • Filled-out leasing application
  • Car dealer’s offer
  • Passport or personal identity card. If you are married, bring your spouse with you
  • If other documents are required, we will let you know

Useful links 

General Conditions of Hire Purchase Agreement
Former versions of General Conditions of Hire Purchase Agreement
Pricelist
Car dealers
Leasing insurance requirements
FAQ
Calculator
Application
Document forms
Procedure to Receive and Examine Complaints/Responses

Get your own car

Apply

Similar products: Car loan

Choose the right solution for you

  Car loan Leasing
Down payment Not needed Starting from 10%
Loan amount From EUR 2000 to EUR 20000 From EUR 8000
Used car valuation - Mandatory
Interest rate Starting from 9% Starting from 1.89% 
Car age limit - Not older than 13 years at the end of the lease
KASKO insurance - Mandatory
Ownership On customers name On Luminor Lizingas name