https://www.citadele.lt/en/private/leasing

Notification on Cookie Use

On our website, we use our own and third-party cookies. Essential cookies, which help us run and secure the website, do not need your consent. For the use of statistics, analytics and marketing cookie, we need your consent in order to provide more convenient website and online service usage, and offer you relevant content and services depending on your usage habits. You can agree to this use of cookies by clicking Agree, and you can cancel or adapt this at any time using the following link: Cookie Settings. Find out more: Cookie Terms and Conditions.

Leasing

Turn on the green light! Take a chance to get your vehicle in a short time and on favorable terms.

photo
icon

Individual interest rate

icon

Financing up to 100 % of the car value

icon

Lease term up to 7 years

photo

Electric car at a great rate from 1.49%*!

  • When buying electrical car from official dealers interest rate from 1.49 % + 3 month EURIBOR, down payment 10 %.*
  • Interest rate from 1.49 % + 3 month EURIBOR, down payment 0 %.**
  • Lease term up to 7 years.
  • Take advantage of the compensation provided by APVA to purchase an electric car. More information here.

* 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 – 5,067 % (which consists of the fixed part of the interest rate – 1,49 % and the variable base interest rate 3-month EURIBOR), contract conclusion (administration) fee – 300 EUR, total cost of consumer credit – 3 978,85 EUR, total cost of consumer credit the annual rate of the price is 5.74 %, the monthly payment is 466,31 EUR, the total amount paid by the consumer credit recipient is 31 428,85 EUR. When concluding a leasing contract, the obligation to conclude an insurance contract for the leased property may be stipulated.

** If you lease a car worth 30 000 EUR and the initial payment is 0 % (0 EUR), assuming that the term of the leasing contract is 60 months, then the total amount of consumer credit (financed amount) is 30 000 EUR, annual variable interest rate – 5,567 % (which consists of the fixed part of the interest rate – 1,99 % and the variable base interest rate 3-month EURIBOR), contract conclusion (administration) fee – 300 EUR, total cost of consumer credit – 4 437,78 EUR, total consumer the annual rate of the credit price is 6,22 %, the monthly payment is 573,96 EUR, the total amount paid by the consumer credit recipient is 34 887,78 EUR. When concluding a leasing contract, the obligation to conclude an insurance contract for the leased property may be stipulated.

Choose your method of financing

Financial leasing
A method of leasing whereby the customer pays the entire value of the vehicle in monthly installments, after which they become the owner of the vehicle.

Operating leasing (hire)
A method of leasing which is essentially a long-term hire. During the contract, the customer does not purchase the vehicle in full. Rather, the vehicle is given to the customer to use for a set amount of time, and for no more than 6 years.

Smallest monthly payment
Smallest monthly payment

Monthly payment 352,19 EUR
icon

Monthly payment 267,29 EUR
icon

Repayment schedule Repayment schedule
Financing
from 5000 EUR and up
from 5000 EUR and up
Interest rate
from 3,20% + 3 month EURIBOR
from 3,20% + 3 month EURIBOR
Commission fee
1% of the vehicle price, min. 200 EUR
1% of the vehicle price, min. 200 EUR
Age of car
No older than 15 years at the end of the leasing term
No older than 15 years at the end of the leasing term
CASCO
Special conditions with our partner, insurance broker, Aon Baltic, UADBB.
List of approved insurance companies
Special conditions with our partner, insurance broker, Aon Baltic, UADBB.
List of approved insurance companies

Financial leasing
A method of leasing whereby the customer pays the entire value of the vehicle in monthly installments, after which they become the owner of the vehicle.

Smallest monthly payment
Monthly payment 352,19 EUR
Repayment schedule Apply

Financing

from 5000 EUR and up

Interest rate

from 3.20 % + 3 months EURIBOR

Commission fee

1.5 % of the vehicle price, min. 120 EUR

Age of car

No older than 15 years at the end of the leasing term

Operating leasing (hire)
A method of leasing which is essentially a long-term hire. During the contract, the customer does not purchase the vehicle in full. Rather, the vehicle is given to the customer to use for a set amount of time, and for no more than 6 years.

Smallest monthly payment
Monthly payment 267,29 EUR
Repayment schedule Apply

Financing

from 5000 EUR and up

Interest rate

from 3.20 % + 3 months EURIBOR

Commission fee

1.5 % of the vehicle price, min. 120 EUR

Age of car

No older than 15 years at the end of the leasing term

The calculated result is indicative only and is not a commitment to provide financing. We will provide specific financing conditions only after checking the information provided in your leasing application.

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 – 6.538 % (which consists of the fixed part of the interest rate – 3.50 % 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 4 925.62 EUR, the annual rate of the total price of the consumer credit is 7.36 %, the monthly payment is 532.09 EUR, the total amount paid by the recipient of the consumer credit is 32 345.62 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 – 7.538 % (which consists of the fixed interest rate part – 4.50 % and variable base interest rate 3 months EURIBOR), contract conclusion (administration) fee – 300 EUR, total cost of consumer credit – 5 725.58 EUR, total cost of consumer credit the annual rate of the price is 8.42 %, the monthly payment is 545.43 EUR, the total amount paid by the consumer credit recipient is 33 025.58 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.

How does EURIBOR impact financial leasing 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.
photo

3 simple steps towards your own car

icon

Fill in an application

icon

Get a reply within 2h

icon

Sign the agreement

icon

Fill in an application

icon

Get a reply within 2h

icon

Sign the agreement

Do you have any questions? Contact us!

We will advise and help you make the best decision.
image

Do you have any questions? Contact us!

We will advise and help you make the best decision.

For sale

All vehicles
New
BMW I3

11 500 EUR

(with VAT)

175 EUR/month

BMW I3

Engine ** cm³ Fuel type Electric Year 2015 Country Latvia
See more
icon

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.
image

CASCO insurance for your car

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

Didn’t find the answer to your question?

Visit our interactive assistant and find the information you need

Interactive assistant
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 on leasing opportunities?

Citadele Leasing provides a response on financing opportunities within 1-2 business days after receiving all the documents required to evaluate the transaction. If you are a private person, we recommend finding out your personal leasing limit by logging in and filling in the application at www.citadeleleasing.lt.

Does the leased property have to be insured with CASCO insurance?

The object of leasing must be insured with CASCO insurance for the entire period of the lease, the beneficiary must be Citadele Leasing. The Client must provide a copy of the valid CASCO insurance, if CASCO has not been concluded through Citadele Leasing.

What costs do I have to take into account when concluding a leasing contract?

Initial costs you need to consider when concluding a leasing transaction: down payment, commission fee for concluding the transaction documents, car appraisal (if a used car is purchased), car registration fees, CASCO and civil insurance. In the next period - monthly leasing payments, insurance, fuel and car maintenance costs.

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 can I pay leasing installments?

  • By logging into the “Citadele” leasing portal, you can view your contract information, monthly accounts, make a payment and find personal offers for you.
  • Pay quickly and conveniently using the “Citadele” bank payment solution “Klix”, the link to which you will find in the email where your monthly payment account is sent.
  • You can receive and pay for leasing invoices even more conveniently – by ordering the e. invoice service in your internet banking account.
    • When concluding an e. invoice agreement, choose the service provider SIA “Citadele Leasing” Lithuanian branch and specify the client code, which you can find by logging into your “Citadele” leasing portal account or in the email sent every month with leasing invoices.
    • When ordering the e. invoice service, we also recommend setting up automatic payment.
  • You can also make a payment to the Citadele Leasing settlement bank account:
    Recipient: SIA “Citadele Leasing” Lithuanian branch
    Account No.: LT467290099010317502
    Don’t forget to specify the contract number and client code in the payment purpose, which you can find by logging into your “Citadele” leasing portal account or in the email that you receive every month with the leasing invoices.

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.

Where can I check the leasing balance?

You can view the leasing balance of the leased property by logging into the leasing portal.

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 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.

What is the Leasing portal? What information can I see, what actions can I take?

The Leasing portal is a tool introduced by SIA “Citadele Leasing” Lithuanian branch. By logging into the portal, you can view your contract information, invoices, make a payment, find personal offers for you. You can log in to the portal using “Citadele” internet banking, M. signature or “Smart-ID”.
In the Leasing portal you can:

  • Quickly and easily view your leasing balance, invoices, contract information.
  • Make a payment.
  • Apply for a special offer for KASKO insurance.
  • Return the lease and buy out the property before the term.
  • Get a refund for the lease.
  • Fill out an application for deferral of payments.
     

Where can I view the leasing payment schedule?

You can view the current leasing payment schedule by logging into the leasing portal.

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.

Why has my lease/rental interest rate/monthly payment suddenly changed/increased?

The size of the monthly payment depends on several factors, one of which is the variable part of the interest rate of the loan, i.e. EURIBOR. EURIBOR is an index (rate) set by the European Money Market Institute (EMMI) at which banks borrow funds in the interbank market of European Union countries. Since 2015, the EURIBOR rate has been negative, but in view of rising inflation, the European Central Bank (ECB) decided to raise the base interest rates. As the EURIBOR rate rises, so does the monthly payment. The amount of the payment can be changed every 3 or 6 months - depending on what part of the variable interest is specified in your contract.

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.

Where can I see what my lease rate is?

The interest rate specified in the leasing contract consists of a fixed (margin) and EURIBOR (variable) part. The frequency of interest rate changes and the date when EURIBOR changes are possible are specified in the general leasing conditions. We invite you to follow the current changes in monthly bills and the EURIBOR rate, which we regularly send to the e-mail address specified in the contract, and you can also conveniently view this information on the Citadele Leasing leasing portal. Please note that the payment schedule sent to your email regularly. mail, is informative in nature, i.e. does not reflect possible payments for late days and other additional payments.

How to use the leasing portal?

  • You can log in to the leasing portal using “Citadele” internet banking, M. signature or “Smart-ID”. 
  • In the „My Account“ section, you will find up-to-date information about paid leasing payments and leasing balance, make a payment for leasing, view payment history.
  • In the “Contract Information“ section, you can view the main contract information and leasing conditions.
  • In the „Property“ section, you will find information about the financed property – purchase price, body and registration numbers, information about the seller.
  • In the „Insurance“ section, you will find the KASKO insurance expiration date.

What is the maximum age of a leased car?

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

Is it possible to change the payment day?

There is no possibility to change the payment day of the installment, you can pay the monthly installments by the end of the month.

Where to turn if an insurance event occurs?

In the event of an insurance event, contact your insurance company and the police or assistance services, if necessary. Insurance company contacts are indicated in the insurance policy and on the website. The bank needs to be informed only in case of total destruction, loss or theft of the property.

More questions
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 on leasing opportunities?

Citadele Leasing provides a response on financing opportunities within 1-2 business days after receiving all the documents required to evaluate the transaction. If you are a private person, we recommend finding out your personal leasing limit by logging in and filling in the application at www.citadeleleasing.lt.

Does the leased property have to be insured with CASCO insurance?

The object of leasing must be insured with CASCO insurance for the entire period of the lease, the beneficiary must be Citadele Leasing. The Client must provide a copy of the valid CASCO insurance, if CASCO has not been concluded through Citadele Leasing.

What costs do I have to take into account when concluding a leasing contract?

Initial costs you need to consider when concluding a leasing transaction: down payment, commission fee for concluding the transaction documents, car appraisal (if a used car is purchased), car registration fees, CASCO and civil insurance. In the next period - monthly leasing payments, insurance, fuel and car maintenance costs.

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 can I pay leasing installments?

  • By logging into the “Citadele” leasing portal, you can view your contract information, monthly accounts, make a payment and find personal offers for you.
  • Pay quickly and conveniently using the “Citadele” bank payment solution “Klix”, the link to which you will find in the email where your monthly payment account is sent.
  • You can receive and pay for leasing invoices even more conveniently – by ordering the e. invoice service in your internet banking account.
    • When concluding an e. invoice agreement, choose the service provider SIA “Citadele Leasing” Lithuanian branch and specify the client code, which you can find by logging into your “Citadele” leasing portal account or in the email sent every month with leasing invoices.
    • When ordering the e. invoice service, we also recommend setting up automatic payment.
  • You can also make a payment to the Citadele Leasing settlement bank account:
    Recipient: SIA “Citadele Leasing” Lithuanian branch
    Account No.: LT467290099010317502
    Don’t forget to specify the contract number and client code in the payment purpose, which you can find by logging into your “Citadele” leasing portal account or in the email that you receive every month with the leasing invoices.

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.

Where can I check the leasing balance?

You can view the leasing balance of the leased property by logging into the leasing portal.

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 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.

What is the Leasing portal? What information can I see, what actions can I take?

The Leasing portal is a tool introduced by SIA “Citadele Leasing” Lithuanian branch. By logging into the portal, you can view your contract information, invoices, make a payment, find personal offers for you. You can log in to the portal using “Citadele” internet banking, M. signature or “Smart-ID”.
In the Leasing portal you can:

  • Quickly and easily view your leasing balance, invoices, contract information.
  • Make a payment.
  • Apply for a special offer for KASKO insurance.
  • Return the lease and buy out the property before the term.
  • Get a refund for the lease.
  • Fill out an application for deferral of payments.
     

Where can I view the leasing payment schedule?

You can view the current leasing payment schedule by logging into the leasing portal.

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.

Why has my lease/rental interest rate/monthly payment suddenly changed/increased?

The size of the monthly payment depends on several factors, one of which is the variable part of the interest rate of the loan, i.e. EURIBOR. EURIBOR is an index (rate) set by the European Money Market Institute (EMMI) at which banks borrow funds in the interbank market of European Union countries. Since 2015, the EURIBOR rate has been negative, but in view of rising inflation, the European Central Bank (ECB) decided to raise the base interest rates. As the EURIBOR rate rises, so does the monthly payment. The amount of the payment can be changed every 3 or 6 months - depending on what part of the variable interest is specified in your contract.

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.

Where can I see what my lease rate is?

The interest rate specified in the leasing contract consists of a fixed (margin) and EURIBOR (variable) part. The frequency of interest rate changes and the date when EURIBOR changes are possible are specified in the general leasing conditions. We invite you to follow the current changes in monthly bills and the EURIBOR rate, which we regularly send to the e-mail address specified in the contract, and you can also conveniently view this information on the Citadele Leasing leasing portal. Please note that the payment schedule sent to your email regularly. mail, is informative in nature, i.e. does not reflect possible payments for late days and other additional payments.

How to use the leasing portal?

  • You can log in to the leasing portal using “Citadele” internet banking, M. signature or “Smart-ID”. 
  • In the „My Account“ section, you will find up-to-date information about paid leasing payments and leasing balance, make a payment for leasing, view payment history.
  • In the “Contract Information“ section, you can view the main contract information and leasing conditions.
  • In the „Property“ section, you will find information about the financed property – purchase price, body and registration numbers, information about the seller.
  • In the „Insurance“ section, you will find the KASKO insurance expiration date.

What is the maximum age of a leased car?

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

Is it possible to change the payment day?

There is no possibility to change the payment day of the installment, you can pay the monthly installments by the end of the month.

Where to turn if an insurance event occurs?

In the event of an insurance event, contact your insurance company and the police or assistance services, if necessary. Insurance company contacts are indicated in the insurance policy and on the website. The bank needs to be informed only in case of total destruction, loss or theft of the property.

More opportunities

photo

Investment funds

One of the most popular financial instruments, which offers the chance to maintain and even grow the value of your savings. Apply for a consultation and achieve your goals. Service provided by Citadele subsidiary CBL Asset Management.
Learn more
photo

Consumer loan

Financing of up to 20 000 EUR to help with your plans. With no deposit, collateral and security.
Learn more
photo

Loan offer

Find out how much you can borrow within just a few minutes.
Learn more