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Leasing

Q: How is an operating lease different from a financial lease?

Financial leasing is a type of leasing in which the customer pays the full value of the car in monthly installments and becomes the owner at the end of the lease term. During the leasing period, the customer fully covers the value of the car and pays interest. At the end of the financial lease term, the client receives a deed of termination of the covered liability and re-registers the asset in its own name. Private persons may conclude only financial leasing. Operating leases are essentially long-term leases. During the lease period, the customer pays the rent, which is the difference between the purchase value of the car and the determined residual value. During the term of the contract, the customer pays only a part of the price of the car, paying for its depreciation or amortization. In the case of a finance lease, the car does not automatically become the property of the customer at the end of the lease term. At the end of the contract, the customer can redeem the car for its residual value (with an additional redemption fee), transfer the redemption right to a third party or return it to the seller.

Q: How does leasing with residual value differ from leasing without residual value?

Leasing with residual value – a type of leasing where the lessee covers part of the property price specified in the leasing contract during the planned leasing period, and the remaining part of the property price is left to be paid together with the last payment, which is paid by the Lessee himself or the property is bought out by a third party – the buyer (if a buyout contract has been signed). Leasing without residual value – A way of leasing where the client pays the entire value of the vehicle in equal parts, after which he becomes the owner of the vehicle.

Get more! 0 EUR contract fee for used car leasing¹. Offer valid until 06.05.2026.

Special offer!

Leasing Portal Lease calculator

Lease term up to 7 years

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

Fast financing solution

Available financing even you are not our customer yet.

Leasing with insurance

Pay insurance premiums together with leasing monthly payments.

¹Standard example: If you were to purchase a car worth 30 000 EUR through leasing, the down payment would be 10% (3 000 EUR) and the residual value 30% (9 000 EUR), assuming the leasing agreement term is 60 months. The total consumer credit amount (the financed amount) would then be 27 000 EUR. The annual variable interest rate would be 4.489% (consisting of a fixed part of 2.49% and a variable 3‑month EURIBOR base rate). The agreement (administration) fee would be 0 EUR. The total cost of the consumer credit would be 4 210.72 EUR, the annual percentage rate of charge (APR) – 4.63%, the monthly instalment –370.18 EUR, and the total amount payable by the consumer –31 210.72 EUR. When concluding a leasing agreement, you may be required to take out insurance for the leased asset. Failure to properly fulfil financial obligations increases financing costs and may negatively affect your credit history. If the agreement is terminated due to a material breach, debt recovery procedures may be initiated. In such a case, you may lose not only the payments already made, but also the rights to the financed asset.

Get more!

Special offer for purchasing a car!

Open an account with “Citadele” bank and take advantage of a 0 EUR contract fee for used car leasing¹. Submit your application in the leasing portal by 06.05.2026..

Apply now

A man and a woman eating at a table, looking at each other and smiling.

Special offer!

15% off borrower’s life insurance

Get insured until 31.05.2026 and receive a 15% discount for the entire policy term. Protect your loved ones, take care for your financial future and save money while you're at it!

Apply for consultation

Leasing portal

Check your applications, active agreements and apply for new leasing.

Payments and billing

Pay your monthly invoices easily and quickly.
View up-to-date information on your leasing agreement.
Review your payment history.

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.

Other Information

Update your contact details (email or phone number).
Manage your consent for personal data processing.
View and update information on the asset’s insurer and submit a request to receive an insurance offer.
Apply for a new leasing agreement.

Leasing calculator

If you're interested in leasing a new car, the calculator is a quick and convenient way to assess your financial possibilities and find out what the car leasing interest rate could be.

Leasing type

Vehicle price

Vehicle price cannot be lower than 10000 EUR Vehicle price cannot exceed 999999 EUR

Contract term

Contract term in years cannot be lower than 2 Contract term in years cannot exceed 7

2 years

7 years

Down payment

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

Residual value cannot be lower than 10 % Residual value cannot exceed 72 % Residual value cannot be lower than 2000 EUR Residual value cannot exceed 14400 EUR

Interest rate

Interest rate cannot be lower than 1.40 % Interest rate cannot exceed 7.00 %

335.75 EUR

Monthly payment

Repayment schedule

Leasing type Finance lease

Currency EUR

Vehicle price 20000 EUR

Contract term 5 years

Interest rate 4.521%

Down payment 10% (2000 EUR)

Monthly payment 335.75 EUR

The calculation is approximate and may differ from the conditions offered to the customer.

No.	Payment date	Remaining sum	Leasing payment	Interest	Total payment
			0.00	0.00	0.00

Standard example for having (opening) an account in "Citadele" bank. If you lease a car worth 30 000 EUR and the initial payment is 10% (3 000 EUR), assuming that the term of the leasing contract is 60 months, then the total amount of consumer credit (financed amount) is 27 000 EUR, annual variable interest rate – 6,338% (which consists of the fixed part of the interest rate – 2,49% and variable base interest rate 3 months EURIBOR), contract conclusion (administration) fee – 300 EUR, Citadele bank card minimum fee – 2 EUR/month, the total price of the consumer credit is 5 139,1 EUR, the annual rate of the total price of the consumer credit is 7,157%, the monthly payment is 530,25 EUR, the total amount paid by the recipient of the consumer credit is 32 139,1 EUR. When concluding a leasing contract, the obligation to conclude an insurance contract for the leased property may be stipulated.
Standard example without having an account in "Citadele" bank. If you lease a car worth 30 000 EUR and the initial payment is 10% (3 000 EUR), assuming that the term of the leasing contract is 60 months, then the total amount of consumer credit (financed amount) is 27 000 EUR, annual variable interest rate – 7,338% (which consists of the fixed interest rate part – 3,49% and variable base interest rate 3 months EURIBOR), contract conclusion (administration) fee – 300 EUR, total cost of consumer credit – 5 915,51 EUR, total cost of consumer credit the annual rate of the price is 8,247 %, the monthly payment is 545,59 EUR, the total amount paid by the consumer credit recipient is 32 915,51 EUR. When concluding a leasing contract, the obligation to conclude an insurance contract for the leased property may be stipulated.

Repayment schedule

Leasing type Leasing with residual value

Currency EUR

Vehicle price 20000 EUR

Contract term 5 years

Interest rate 4.521%

Down payment 10% (2000 EUR)

Monthly payment 335.75 EUR

The calculation is approximate and may differ from the conditions offered to the customer.

No.	Payment date	Remaining sum	Leasing payment	Interest	Total payment
			0.00	0.00	0.00

The calculations made using the calculator are of an informative nature and each client's situation is assessed individually.

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Borrowers

Monthly income

Monthly income cannot be lower than 700 EUR Monthly income cannot exceed 5000 EUR

Monthly liabilities

Monthly liabilities cannot be lower than 0 EUR Monthly liabilities cannot exceed 100 EUR

Maximum monthly payment

0.00 EUR

Maximum leasing amount

The calculations made using the calculator are of an informative nature and each client's situation is assessed individually.

Apply

Standard example: If you lease a car worth 30 000 EUR and the initial payment is 10% (3 000 EUR), assuming that the term of the leasing contract is 60 months, then the total amount of consumer credit (financed amount) is 27 000 EUR, annual variable interest rate – 5.769% (which consists of the fixed part of the interest rate – 2.49% and variable base interest rate 3 months EURIBOR), contract conclusion (administration) fee – 300 EUR, the total price of the consumer credit is 4 508.62 EUR, the annual rate of the total price of the consumer credit is 6.43%, the monthly payment is 520.14 EUR, the total amount paid by the recipient of the consumer credit is 31 508.62 EUR. When concluding a leasing contract, the obligation to conclude an insurance contract for the leased property may be stipulated.
Improper fulfillment of financial obligations increases financing costs and can negatively impact your credit history. If the contract is terminated due to a fundamental breach of the agreement, forced debt collection may be initiated. In such a case, you may lose not only the payments already made but also the rights to the financed assets.

“Citadele Leasing“ and partners special offers

Leasing for electric vehicles – special conditions!

Interest rate from 1.49% + 3 months EURIBOR

New "Lexus" cars

1.50% + 3 months EURIBOR

New "Toyota" cars

0% + 3 months EURIBOR

New "Tesla" cars

1.39% + 3 months EURIBOR

Used "Toyota" cars

1.50% + 3 months EURIBOR

New "BYD SEAL U DM-i“

0.99% + 3 months EURIBOR

Leasing for electric vehicles – special conditions!

Interest rate from 1.49% + 3 months EURIBOR

New "Lexus" cars

1.50% + 3 months EURIBOR

New "Toyota" cars

0% + 3 months EURIBOR

New "Tesla" cars

1.39% + 3 months EURIBOR

Used "Toyota" cars

1.50% + 3 months EURIBOR

New "BYD SEAL U DM-i“

0.99% + 3 months EURIBOR

Do you have questions? Contact us!

We will advise and help you make the best decision.

Adelė

Find answer instantly at any time of the day.

Call +370 5 221 9091

Email support@citadele.lt

3 simple steps towards your own car

Fill in an application

Get a fast financing solution

Sign the agreement

Fill in an application

Get a fast financing solution

Sign the agreement

Do you have any questions? Contact us!

We will advise and help you make the best decision.

Contacts

Insurance options

Special offer for leaseholders: 15% off the entire insurance period.
Offer applies until 31.05.2026.

Take care of your financial obligations today.

Insure your life for the sum of your lease and provide additional financial support for your loved ones, so that they don’t have to take on your leasing payments if an accident results in your death. If you want, you can also get coverage for a larger sum for additional financial support.
You can also insure the life of the guarantor or co borrower for the sum of the lease. This strengthens financial protection for all involved parties.

* The policyholder must inform the insured persons and additionally insured persons about their insurance, familiarize them with the terms and conditions of the insurance contract, ensure that they comply with their obligations, and also inform the beneficiary about the concluded contract and its related conditions.

Learn more about the life insurance terms for leasing beneficiaries.

The service is provided by AS “CBL Life”, represented by the insurance agent AS “Citadele banka”.

Find out more Apply for a consultation

Pay insurance premiums together with leasing monthly installments.
Insurance proposals are provided by leasing insurance Partners.
Insurance partners offer special insurance terms.

Apply

Special offer

Attractive leasing offers on ex-lease assets!

0% down payment.
No contract processing fee.
Leasing term up to 5 years.

Offer valid until September 1, 2026.

Standard example: If you lease a car worth 30 000 EUR and the initial payment is 10% (3 000 EUR), assuming that the term of the leasing contract is 60 months, then the total amount of consumer credit (financed amount) is 27 000 EUR, annual variable interest rate – 4.516% (which consists of the fixed part of the interest rate – 2.49% and variable base interest rate 3 months EURIBOR), contract conclusion (administration) fee – 0 EUR, the total price of the consumer credit is 3 262.03 EUR, the annual rate of the total price of the consumer credit is 4.62%, the monthly payment is 504.37 EUR, the total amount paid by the recipient of the consumer credit is 30 262.03 EUR. When concluding a leasing contract, the obligation to conclude an insurance contract for the leased property may be stipulated. Improper fulfillment of financial obligations increases financing costs and can negatively impact your credit history. If the contract is terminated due to a fundamental breach of the agreement, forced debt collection may be initiated. In such a case, you may lose not only the payments already made but also the rights to the financed assets.

Ex-lease assets

All vehicles

Special offer

Reduced price

34 700 EUR

(with VAT)

35 900 EUR

Hyundai Staria

Engine 2199 cm³ Fuel type Diesel Year 2021 Country Latvia

Special offer

Reduced price

31 900 EUR

(with VAT)

33 000 EUR

Audi E-TRON 50

Engine 230 kW cm³ Fuel type Electric Year 2021 Country Latvia

New

16 200 EUR

(with VAT)

Volkswagen TAIGO

Engine 999 cm³ Fuel type Petrol Year 2021 Country Latvia

Information about potential risks

Improper fulfillment of financial obligations increases financing costs and can negatively impact your credit history. If the contract is terminated due to a fundamental breach of the agreement, forced debt collection may be initiated. In such a case, you may lose not only the payments already made but also the rights to the financed assets.

How does EURIBOR impact finance lease and operative leasing (hire) 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 or rental payment will also increase at the end of the period.
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 EUR (around 255 EUR 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.

List of consumer credit intermediaries (in Lithuanian)

Approved insurance companies

The Leasing's approved valuers

General terms and conditions (in Lithuanian)

Complaint procedure

EURIBOR interest rates (in Lithuanian)

Lease application

Agreement with VĮ 'Regitra' to perform listed actions in the document without a separate power of attorney from SIA 'Citadele Leasing' Lithuanian branch

Need help?

Get instant answers to your questions 24/7 from our website help tool: our virtual financial consultant, Adele.

How is an operating lease different from a financial lease?

Financial leasing is a type of leasing in which the customer pays the full value of the car in monthly installments and becomes the owner at the end of the lease term. During the leasing period, the customer fully covers the value of the car and pays interest. At the end of the financial lease term, the client receives a deed of termination of the covered liability and re-registers the asset in its own name. Private persons may conclude only financial leasing.

Operating leases are essentially long-term leases. During the lease period, the customer pays the rent, which is the difference between the purchase value of the car and the determined residual value. During the term of the contract, the customer pays only a part of the price of the car, paying for its depreciation or amortization. In the case of a finance lease, the car does not automatically become the property of the customer at the end of the lease term. At the end of the contract, the customer can redeem the car for its residual value (with an additional redemption fee), transfer the redemption right to a third party or return it to the seller.

How long can it take to get an answer after submitting leasing agreement?

After you submit the application and provide all the documents required for evaluating the transaction, you will receive a response within 5 business days. We would also like to remind you that if you're interested in car leasing, the calculator helps you quickly estimate preliminary payments and choose the most suitable financing option. If the mentioned period has already passed and you have not received a response, please contact us by phone at +370 5 221 9091.

What is financed by Citadele Leasing?

Citadele Leasing finances the purchase of cars, motor vehicles, commercial vehicles, various types of machinery and equipment. The leased object can be new or used.

How does leasing with residual value differ from leasing without residual value?

Leasing with residual value – a type of leasing where the lessee covers part of the property price specified in the leasing contract during the planned leasing period, and the remaining part of the property price is left to be paid together with the last payment, which is paid by the Lessee himself or the property is bought out by a third party – the buyer (if a buyout contract has been signed).

Leasing without residual value – A way of leasing where the client pays the entire value of the vehicle in equal parts, after which he becomes the owner of the vehicle.

What actions can I, as a vehicle owner, perform at AB “Regitra” without a separate power of attorney from SIA “Citadele Leasing”?

According to the agreement between SIA “Citadele Leasing” and AB “Regitra”, clients of SIA “Citadele Leasing” do not need a separate authorization to order the services listed in the document from AB “Regitra”. The agreement is valid only for the services listed in the document:
1.   Change the name, surname, or address details of the current vehicle owner (individual), or the details of a legal entity (without changing the personal/legal entity code, i.e., changing the owner to another owner is not allowed without the separate power of attorney from the Lithuanian branch of SIA “Citadele Leasing”).
2.   Change the vehicle registration data due to a change in color or fuel type.
3.   Specify additional technical data in the vehicle registration certificate, such as CO2 emissions, etc.
4.   Change the license plates to a new combination or obtain new ones to replace the lost ones.
5.   Order a vehicle registration certificate in place of a lost or damaged one.
6.   Order a new vehicle registration certificate.
7.   Order an extension of the validity period of the owner’s registration.
Link to the joint agreement between the Lithuanian branch of SIA “Citadele Leasing” and AB “Regitra”: Susitarimas

Save this agreement on your mobile device or print it out and present it at an AB “Regitra” branch or upload on their website if you order services online.
Instructions on how to order the mentioned services online on the AB “Regitra” website: Instrukcija

If you want to order an AB “Regitra” service that is not listed in the joint agreement between SIA “Citadele Leasing” and AB “Regitra”, please fill out a “other request” form for a separate power of attorney in the Lizingo portale or contact us by email at support@citadele.lt, specifying the leasing contract number and the service you wish to order at AB “Regitra”. The service is paid, more information can be found in our Service Price List: Fees for private clients, Fees for business clients.

I want to sell a car, the leasing contract of which has not yet expired. What should I do?

You need to submit a request on the leasing portal for the buyout of the car. Upon receipt of the invoice and payment you become the owner of the property and you can then sell the car.

Is it possible to buy out the property ahead of time – when the leasing contract term has not yet expired?

Before the end of the leasing contract term, it is possible to buy out the property by paying the entire remaining leasing balance. For individuals – free of charge (if variable interest rates are provided in the contract), for legal entities – 1.5% of the unpaid amount, but not less than 150 EUR. Detailed information in the leasing price list.

What to do after the end of the leasing contract (end of leasing act)?

After the end of the Financial Leasing Agreement and all payments have been made (if there are no debts under other contracts), the client does not need to apply additionally. Upon receiving a message in the system that the client has settled – End documents are issued within 1-2 business days along with instructions on how to submit a property acquisition declaration in the Eketris (Regitra) system. After confirmation, contact Regitra for property registration.

Is it necessary to pledge a leased car?

Necessary car registration in Regitra, car owner – leasing company, and you are the vehicle operator.

What is the maximum age of a leased car?

Not older than 15 years at the end of the leasing term.

How to submit a request for partial/early leasing coverage?

After paying a larger installment than planned in the payment schedule, you can submit a request for partial/early leasing coverage on the leasing portal. Upon receipt of the request, the payment schedule will be recalculated. You can always find the actual recalculated schedule on the leasing portal. The prepayment fee is set in the SIA “Citadele Leasing“ Lithuanian branch service price list for private clients: Rates for private clients | “Citadele“ Bank, business clients: Rates for business clients | “Citadele“ Bank.

How to order a certificate for auditors, about paid interest and other leasing obligations?

Any type of certificate can be ordered by sending a free-form request by e-mail to info@citadeleleasing.lt. Certificates are prepared within 10 business days from the date of submission of the request. A fee for prepared certificates is applied according to the leasing price list.

What is the maximum leasing contract term?

7 years or 84 months.

How to update contact information (phone number, address)?

Write a free-form request to support@citadeleleasing.lt, indicating the name, surname and personal code or date of birth, and the contacts to be changed.