Car leasing – a faster way to your car

Getting a car is easy with Luminor leasing

Getting a car is easy with Luminor leasing

  • We'll find a suitable leasing solution for you
  • Choose a new or used car
  • Apply in only a few minutes
  • Settle your leasing and insurance payments in one go
  • Apply and sign an agreement without leaving your home – identification by video call and digital signing of the agreement
  • No matter if you are a Luminor customer or not, we'll help you get a new set of wheels
Terms and conditions

  • Age of the applicant is at least 21 years
  • Leasing amount at least EUR 8,000, down payment, starting from 10 %
  • Interest rate starting from 2.49 % + 3‑month Euribor (not less than 0 %). For environmentally friendly cars: starting from 2.29% + 3-month Euribor (not less than 0 %).
  • Agreement fee of 1% of the vehicle price, a minimum of EUR 200
  • The lease period is up to 7 years
  • The maximum age of the vehicle at the end of the lease period is 13 years
  • Become the owner of the vehicle at the end of the lease period, when the entire amount of property acquisition price and interest is paid
Representative example: Assuming that the price of a car selected is EUR 20,000, the financial lease period is 5 years (60 months), and the down payment is EUR 3,000, i.e., 15 %, so the total amount of credit would be EUR 17,000. The administration fee for preparation of the agreement is EUR 200 and the variable leasing interest rate is 2.59 % + 3‑month Euribor (value on calculation day 2.06 %), the total payment amount paid would be EUR 19,285.40, the annual rate of the total consumer credit price – 5.26%, and the monthly payment – EUR 318.09. 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 the annual rate of the total consumer credit price).

Leasing service is provided by Luminor Lizingas UAB.

Terms and conditions for environmentally friendly cars

  • We offer more favorable terms for cars with a CO2 level not exceeding 130 g/km
  • Down payment starting from 10 %
  • Interest starting from 2.29 % + 3‑month Euribor (not less than 0 %)
  • Lease period up to 7 years
  • Interest offer applies to new cars and cars used for up to 6 months with mileage up to 6,000 km
Representative example: Assuming that the price of a car selected by the consumer is EUR 20,000, the down payment is EUR 3,000, i.e., 15 %, so the total amount of credit would be EUR 17,000, the financial lease period is 5 years (60 months), administration fee for preparation of the agreement is EUR 200 and the variable leasing interest rate is 2.29 % + 3-month Euribor (value on calculation day 2.06 %), the total payment amount paid by the lessee is EUR 19,146.20, the annual rate of the total consumer credit price is 4.94 %, monthly payment is EUR 315.77. 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 the annual rate of the total consumer credit price).

Leasing service is provided by Luminor Lizingas UAB.

Ready to get your own car?

Failure to properly and timely fulfill 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.

How to get a car?

Choose the car that best suits your needs

Submit a leasing application and the required documents

We will review your application and get in touch with you

Sign a car leasing agreement remotely

The declaration of the vehicle acquisition needs to be submitted to Regitra. We will guide through the next steps.

Please note

  • You need to be over 21 years of age
  • Holding a Luminor account isn't mandatory! You can have a leasing at Luminor even if you're not our customer.

Documents you'll need

  • Leasing application form
  • Your ID or passport. When applying jointly with your spouse, both of you will need to sign the application form and provide your ID documents
  • Car sellers’ offer
  • If we have additional questions, we’ll get in touch with you

Insurance

Motor third‑party liability insurance and CASCO insurance are compulsory for leased cars. When filling out your application form, you can request an insurance offer.

Enter into insurance contracts via us to save time: all of your lease and insurance payments will be included on one invoice.

More about insurance

Invoices and authorization documents

When entering into a lease agreement, be sure to familiarise yourself with the following:
- the most convenient way of making leasing payments;
- how to amend data in the Register of Road Vehicles;
- what kind of authorization document is required for travel abroad?

Please note that Luminor does not issue permits for the purpose of taking vehicles to Russia, Belarus, and Ukraine.

Things to consider when entering into a lease agreement

First things first – read through the terms and conditions to make your leasing as smooth as possible:

  • Choose the most suitable channel for receiving your lease invoices
  • Check what authorization documents you may have to seek from Luminor Lizingas UAB
  • Find out how to make necessary amendments to your lease agreement

Invoices via Epay or post

  • If you wish to receive your lease invoices electronically (online), you need to fill in, sign and submit a request for an Epay agreement. After you sign your Epay agreement, we will email you the login details to the Epay system. Please note that you’ll need to initiate payments yourself. We issue e-invoices free of charge. 
  • If you don’t select the online invoicing option, your invoices will be sent to you by post. As we are going green, by encouraging our clients to choose paperless invoicing, we charge for issuing paper invoices. The fee for sending invoices by post is indicated in the Price List


Since we issue paper invoices for a charge, we advise you to choose online invoicing (via Epay system) and set up an automatic e-invoice payment. For paperless invoicing, you’ll need to:

  • Sign your Epay agreement
  • Fill in the "Request for e-invoice" in your internet bank, indicating:
    Account number – the account from which the lease payments will be made
    Service provider – Luminor Lizingas UAB (reg. code 111667277)
    Customer's code – the number of your leasing agreement
  • Fill in and sign the "Automatic payment" of the e-invoice, indicating:
    Account number – the account from which the lease payments will be made
    Service provider – Luminor Lizingas UAB (reg. code 111667277)
    Customer's code – the number of your leasing agreement

Important! You’ll need to initiate your first lease payment yourself; the following payments will be deducted automatically. 
If you require any further information, please send an e-mail to lizingas@luminor.lt or call our customer service helpline at +370 5 239 3444

Authorizations

To change your vehicle data in the Register of Road Vehicles, make improvements to your vehicle or perform other actions, you’ll need the lessor’s authorization. To receive Luminor Lizingas UAB authorization, please contact us at lizingas@luminor.lt.

Authorization for traveling

  • You don’t need to obtain our authorization for driving your leased vehicle in Lithuania and other EU countries.
  • When it comes to traveling outside the EU and the Schengen area countries, remember that your leased vehicle is technically legally owned by Luminor Lizingas UAB, which means that you’ll need to get our authorization. Please contact us at lizingas@luminor.lt and we’ll be happy to help you. Also, make sure to check if your CASCO insurance is valid in the countries, you’ll be driving in.
  • The fee for issuing authorization documents is indicated in our Price List.

Please note that Luminor does not issue a permit for the purpose of taking vehicles to Russia, Belarus, and Ukraine.

Amendment and termination of leasing agreements

If you would like to change your lease agreement, fill in the request form and email it to lizingas@luminor.lt.

We will get in touch with you if we have any further questions.

Leasing document forms

Early termination

  • If you would like to terminate your lease agreement early, please send us your request to lizingas@luminor.lt 
  • Upon receiving your request, we will email you the vehicle buyout invoice
  • Once you have paid the buyout price of the vehicle, we will send you the agreement termination documents (including the deed of transfer of ownership), so that you can initiate the change of ownership in the Register of Road Vehicles

Important information! 

After paying off your lease and before registering the vehicle in your name, you’ll need to declare a change of ownership in the Register of Road Vehicles. This must be done within 5 days from the day of issuing the deed of transfer of ownership to you. Then, we, in our turn, will declare the change of ownership within 5 days after you have provided the required data.

If the vehicle is intended to participate in public traffic, it must be registered within 10 calendar days after the declaration of the change of ownership. Otherwise, it will be automatically deregistered.

Transfer of lease, change of lessees

If you don’t want to use the leased vehicle any longer, we advise you to find a new user for it and terminate the lease agreement.

  • Submit a request to terminate your lease agreement early
  • We’ll ask a new user of the vehicle to fill in a lease application

If the lease is taken over by a private person, we’ll ask them to submit the following in addition to the lease application

  • A passport or personal identity card
  • If any other documents are required, we will let you know

If the lease is taken over by a legal entity, we’ll ask them to submit the following in addition to the lease application

  • Balance sheets and profit and loss statements (not older than six months)
  •  A copy of the ID of the person signing the agreement (and the Power of Attorney if the agreement will be signed by the authorized person acting on the basis of Power of Attorney issued by the legal entity)

Frequently asked questions

Answering your most popular questions

- Can I terminate my lease agreement early?
- Can I make additional payments against my lease agreement during the lease term? 
- What should I do if an insured event occurs?

Frequently asked questions

Ready to get your own car

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 2.29 % + 3‑month Euribor
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