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Car Leasing and Operational Leasing

A businesswoman next to a new electric car financed with car leasing business or operational leasing.

Car Leasing and Operational Leasing for Business

Car maintenance services 40% discount on the "PRO BRO" subscription One payment for leasing and Casco

Calculate leasing payment

EUR
EUR
Financial lease
Operational lease (rent)
Full-service operational lease

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Monthly payment
Monthly payment 335 EUR 245 EUR 356 EUR
Residual value*
Residual value* no 6000EUR 6000EUR
Choose additional services
Choose additional services
Comprehensive insurance*
The insurance agreement covers all types of risks (unexpected, unforeseen events leading to damage or destruction of the insured property, for example, fire-related accidents, traffic accidents, cases of vandalism, natural disasters, thefts or similar cases). Insurance contributions for Financial lease and Operational lease without services may change within a year with regard to the property market value and valid fees.
MTPL (Mandatory third party liability insurance of vehicle users)
The insurance covers the damages caused by the vehicle driver to the health or property of a third person.
Invoice administration
We will offer a VIP customer discount on purchases of goods or services in the whole network of our partners, and all invoices will be issued to “Swedbank lizingas”, which will perform the payments. The settlement of the customer with the lease company for the purchased goods or services is postponed until the end of the next month.
Road assistance 24/7
The service is aimed to assure the mobility of vehicle users 24 hours a day (for example, starting up the vehicle, replacement of a flat tyre, provision of petrol, pulling of a bogged-down vehicle, etc.).
Processing of insured events
Representation of customers’ interests in examining cases of insured events, organisation of vehicle recovery repairs, administration of payment of costs of accomplished works.
Winter tyres
Winter tyres will be provided for your car.
Regular maintenance
We take care of the technical condition of the leased cars, i.e. we organise maintenance and repairs, which are performed in line with the requirements of the vehicle manufacturer.
Replacement and storage of tires
Tyre replacement and balancing, wheel replacement and storage of off-season tyres during the whole validity period of the agreement.
Vehicle delivery service
The car will be delivered as specified in the agreement (delivery of a new car from the car dealership, technical maintenance, tyre replacement, management of insured events).
Fuel credit card
A “Swedbank lizingas” fuel credit card offers you exceptional discounts, the possibility to postpone the payment for fuel until the next month.
Mandatory inspection
We ensure timely performance of the compulsory technical inspection of the car.
Financial lease

Show chart

Monthly payment
Monthly payment 335 EUR
Residual value*
Residual value* no
Choose additional services
Choose additional services
Comprehensive insurance*
The insurance agreement covers all types of risks (unexpected, unforeseen events leading to damage or destruction of the insured property, for example, fire-related accidents, traffic accidents, cases of vandalism, natural disasters, thefts or similar cases). Insurance contributions for Financial lease and Operational lease without services may change within a year with regard to the property market value and valid fees.
Comprehensive insurance*
The insurance agreement covers all types of risks (unexpected, unforeseen events leading to damage or destruction of the insured property, for example, fire-related accidents, traffic accidents, cases of vandalism, natural disasters, thefts or similar cases). Insurance contributions for Financial lease and Operational lease without services may change within a year with regard to the property market value and valid fees.
Road assistance 24/7
The service is aimed to assure the mobility of vehicle users 24 hours a day (for example, starting up the vehicle, replacement of a flat tyre, provision of petrol, pulling of a bogged-down vehicle, etc.).
Road assistance 24/7
The service is aimed to assure the mobility of vehicle users 24 hours a day (for example, starting up the vehicle, replacement of a flat tyre, provision of petrol, pulling of a bogged-down vehicle, etc.).
-

* Type of insurance – Standard Comprehensive insurance, deductible for all events, except for theft – EUR 200, theft – 10%, but not less than EUR 200, broken glass – EUR 0 (if the repairs are performed in the repair centre specified by the insurance company).

The calculation is approximate and it is not a commitment to provide financing.

Purchase amount value is too low, financing is not possible. Please enter a value greater than or equal to 10000.
Down payment entered incorrectly!

Customer testimonials

No interuptions - highly recommend

Application was clear and with detailed calculations.

Donatas

I was surprised how smooth the process was

Information was clear and simple, quick application process. I was satisfied.

Vaida

Everything was just great!

I would describe application process as simple, clear, easy and quick.

Tomas

Example of a car rental payment schedule

Monthly payment Residual value* Asset redemption fee Interest payments Document processing fee Total
020000.002000.000.00200.0020200.00
118000.00268.5466.47335.01
217731.46269.5465.47335.01
317461.92270.5364.48335.01
417191.39271.5363.48335.01
516919.86272.5362.48335.01
616647.32273.5461.47335.01
716373.78274.5560.46335.01
816099.23275.5659.45335.01
915823.67276.5858.43335.01
1015547.09277.6057.41335.01
1115269.49278.6356.38335.01
1214990.86279.6655.35335.01
1314711.20280.6954.32335.01
1414430.51281.7353.28335.01
1514148.79282.7752.24335.01
1613866.02283.8151.20335.01
1713582.21284.8650.15335.01
1813297.36285.9149.10335.01
1913011.45286.9748.04335.01
2012724.48288.0246.99335.01
2112436.46289.0945.92335.01
2212147.37290.1644.85335.01
2311857.21291.2343.78335.01
2411565.99292.3042.71335.01
2511273.68293.3841.63335.01
2610980.30294.4740.54335.01
2710685.84295.5539.46335.01
2810390.28296.6438.37335.01
2910093.64297.7437.27335.01
309795.90298.8436.17335.01
319497.06299.9435.07335.01
329197.12301.0533.96335.01
338896.07302.1632.85335.01
348593.91303.2831.73335.01
358290.63304.4030.61335.01
367986.24305.5229.49335.01
377680.72306.6528.36335.01
387374.07307.7827.23335.01
397066.29308.9226.09335.01
406757.37310.0624.95335.01
416447.31311.2023.81335.01
426136.11312.3522.66335.01
435823.75313.5121.50335.01
445510.25314.6620.35335.01
455195.59315.8319.18335.01
464879.76316.9918.02335.01
474562.77318.1616.85335.01
484244.61319.3415.67335.01
493925.27320.5214.49335.01
503604.75321.7013.31335.01
513283.06322.8912.12335.01
522960.17324.0810.93335.01
532636.09325.289.73335.01
542310.81326.488.53335.01
551984.34327.687.33335.01
561656.65328.896.12335.01
571327.76330.114.90335.01
58997.65331.333.68335.01
59666.33332.552.46335.01
60333.78333.781.23335.01
0.0020000.002100.59200.0022300.59

Example of a car rental payment schedule

Monthly payment Residual value* Asset redemption fee Interest payments Document processing fee Total
020000.002000.000.00200.0020200.00
118000.00268.5466.47335.01
217731.46269.5465.47335.01
317461.92270.5364.48335.01
417191.39271.5363.48335.01
516919.86272.5362.48335.01
616647.32273.5461.47335.01
716373.78274.5560.46335.01
816099.23275.5659.45335.01
915823.67276.5858.43335.01
1015547.09277.6057.41335.01
1115269.49278.6356.38335.01
1214990.86279.6655.35335.01
1314711.20280.6954.32335.01
1414430.51281.7353.28335.01
1514148.79282.7752.24335.01
1613866.02283.8151.20335.01
1713582.21284.8650.15335.01
1813297.36285.9149.10335.01
1913011.45286.9748.04335.01
2012724.48288.0246.99335.01
2112436.46289.0945.92335.01
2212147.37290.1644.85335.01
2311857.21291.2343.78335.01
2411565.99292.3042.71335.01
2511273.68293.3841.63335.01
2610980.30294.4740.54335.01
2710685.84295.5539.46335.01
2810390.28296.6438.37335.01
2910093.64297.7437.27335.01
309795.90298.8436.17335.01
319497.06299.9435.07335.01
329197.12301.0533.96335.01
338896.07302.1632.85335.01
348593.91303.2831.73335.01
358290.63304.4030.61335.01
367986.24305.5229.49335.01
377680.72306.6528.36335.01
387374.07307.7827.23335.01
397066.29308.9226.09335.01
406757.37310.0624.95335.01
416447.31311.2023.81335.01
426136.11312.3522.66335.01
435823.75313.5121.50335.01
445510.25314.6620.35335.01
455195.59315.8319.18335.01
464879.76316.9918.02335.01
474562.77318.1616.85335.01
484244.61319.3415.67335.01
493925.27320.5214.49335.01
503604.75321.7013.31335.01
513283.06322.8912.12335.01
522960.17324.0810.93335.01
532636.09325.289.73335.01
542310.81326.488.53335.01
551984.34327.687.33335.01
561656.65328.896.12335.01
571327.76330.114.90335.01
58997.65331.333.68335.01
59666.33332.552.46335.01
60333.78333.781.23335.01
0.0020000.002100.59200.0022300.59

Example of a car rental payment schedule

Monthly payment Residual value* Down payment Rent fee Document processing fee VAT 21% Advance compensation Total
016528.932000.000.00200.0042.000.002242.00
114528.93229.7648.25-33.33244.68
214386.15229.7648.25-33.33244.68
314242.84229.7648.25-33.33244.68
414099.00229.7648.25-33.33244.68
513954.63229.7648.25-33.33244.68
613809.73229.7648.25-33.33244.68
713664.30229.7648.25-33.33244.68
813518.33229.7648.25-33.33244.68
913371.81229.7648.25-33.33244.68
1013224.76229.7648.25-33.33244.68
1113077.17229.7648.25-33.33244.68
1212929.02229.7648.25-33.33244.68
1312780.34229.7648.25-33.33244.68
1412631.10229.7648.25-33.33244.68
1512481.31229.7648.25-33.33244.68
1612330.97229.7648.25-33.33244.68
1712180.08229.7648.25-33.33244.68
1812028.62229.7648.25-33.33244.68
1911876.61229.7648.25-33.33244.68
2011724.04229.7648.25-33.33244.68
2111570.90229.7648.25-33.33244.68
2211417.20229.7648.25-33.33244.68
2311262.93229.7648.25-33.33244.68
2411108.09229.7648.25-33.33244.68
2510952.67229.7648.25-33.33244.68
2610796.69229.7648.25-33.33244.68
2710640.13229.7648.25-33.33244.68
2810482.99229.7648.25-33.33244.68
2910325.27229.7648.25-33.33244.68
3010166.97229.7648.25-33.33244.68
3110008.08229.7648.25-33.33244.68
329848.61229.7648.25-33.33244.68
339688.54229.7648.25-33.33244.68
349527.89229.7648.25-33.33244.68
359366.65229.7648.25-33.33244.68
369204.80229.7648.25-33.33244.68
379042.36229.7648.25-33.33244.68
388879.33229.7648.25-33.33244.68
398715.68229.7648.25-33.33244.68
408551.44229.7648.25-33.33244.68
418386.59229.7648.25-33.33244.68
428221.13229.7648.25-33.33244.68
438055.05229.7648.25-33.33244.68
447888.37229.7648.25-33.33244.68
457721.07229.7648.25-33.33244.68
467553.15229.7648.25-33.33244.68
477384.61229.7648.25-33.33244.68
487215.45229.7648.25-33.33244.68
497045.67229.7648.25-33.33244.68
506875.26229.7648.25-33.33244.68
516704.21229.7648.25-33.33244.68
526532.54229.7648.25-33.33244.68
536360.23229.7648.25-33.33244.68
546187.29229.7648.25-33.33244.68
556013.71229.7648.25-33.33244.68
565839.49229.7648.25-33.33244.68
575664.62229.7648.25-33.33244.68
585489.11229.7648.25-33.33244.68
595312.95229.7648.25-33.33244.68
605136.14229.7648.25-33.33244.68
4958.6813785.69200.002936.99-2000.0016922.68

Example of a car rental payment schedule

Monthly payment Residual value* Down payment Rent fee Document processing fee VAT 21% Additional services, incl. VAT Advance compensation Total
016528.932000.000.00200.0042.000.000.002242.00
114528.93229.7648.25111.73-33.33356.41
214386.15229.7648.25111.73-33.33356.41
314242.84229.7648.25111.73-33.33356.41
414099.00229.7648.25111.73-33.33356.41
513954.63229.7648.25111.73-33.33356.41
613809.73229.7648.25111.73-33.33356.41
713664.30229.7648.25111.73-33.33356.41
813518.33229.7648.25111.73-33.33356.41
913371.81229.7648.25111.73-33.33356.41
1013224.76229.7648.25111.73-33.33356.41
1113077.17229.7648.25111.73-33.33356.41
1212929.02229.7648.25111.73-33.33356.41
1312780.34229.7648.25111.73-33.33356.41
1412631.10229.7648.25111.73-33.33356.41
1512481.31229.7648.25111.73-33.33356.41
1612330.97229.7648.25111.73-33.33356.41
1712180.08229.7648.25111.73-33.33356.41
1812028.62229.7648.25111.73-33.33356.41
1911876.61229.7648.25111.73-33.33356.41
2011724.04229.7648.25111.73-33.33356.41
2111570.90229.7648.25111.73-33.33356.41
2211417.20229.7648.25111.73-33.33356.41
2311262.93229.7648.25111.73-33.33356.41
2411108.09229.7648.25111.73-33.33356.41
2510952.67229.7648.25111.73-33.33356.41
2610796.69229.7648.25111.73-33.33356.41
2710640.13229.7648.25111.73-33.33356.41
2810482.99229.7648.25111.73-33.33356.41
2910325.27229.7648.25111.73-33.33356.41
3010166.97229.7648.25111.73-33.33356.41
3110008.08229.7648.25111.73-33.33356.41
329848.61229.7648.25111.73-33.33356.41
339688.54229.7648.25111.73-33.33356.41
349527.89229.7648.25111.73-33.33356.41
359366.65229.7648.25111.73-33.33356.41
369204.80229.7648.25111.73-33.33356.41
379042.36229.7648.25111.73-33.33356.41
388879.33229.7648.25111.73-33.33356.41
398715.68229.7648.25111.73-33.33356.41
408551.44229.7648.25111.73-33.33356.41
418386.59229.7648.25111.73-33.33356.41
428221.13229.7648.25111.73-33.33356.41
438055.05229.7648.25111.73-33.33356.41
447888.37229.7648.25111.73-33.33356.41
457721.07229.7648.25111.73-33.33356.41
467553.15229.7648.25111.73-33.33356.41
477384.61229.7648.25111.73-33.33356.41
487215.45229.7648.25111.73-33.33356.41
497045.67229.7648.25111.73-33.33356.41
506875.26229.7648.25111.73-33.33356.41
516704.21229.7648.25111.73-33.33356.41
526532.54229.7648.25111.73-33.33356.41
536360.23229.7648.25111.73-33.33356.41
546187.29229.7648.25111.73-33.33356.41
556013.71229.7648.25111.73-33.33356.41
565839.49229.7648.25111.73-33.33356.41
575664.62229.7648.25111.73-33.33356.41
585489.11229.7648.25111.73-33.33356.41
595312.95229.7648.25111.73-33.33356.41
605136.14229.7648.25111.73-33.33356.41
4958.6813785.69200.002936.996704.00-2000.0023626.68

Car Leasing for Businesses

  • At the end of the car leasing contract, you will become the owner of the car.
  • During the lease period, you will pay its purchase price and interest.

Car Operational Leasing

  • It is a long-term car rental alternative for your company.
  • At the end of the rental period, you can return the car to us, buy it at market price, or extend the rental agreement.
  • During the rental period, you will pay car rental fees.

Car Operational Leasing with Services

  • It is a long-term car rental and car maintenance service package for a fixed monthly fee.
  • At the end of the rental period, you can return the car to us, buy it at market price, or extend the rental agreement.

  1. Fill in an application via Internet Banking or apply for consultation.
  2. If needed, please provide asset valuation. It is requested when a car is bought from a seller who is not an official seller of passenger cars for “Swedbank”. You may order asset valuation at Swedbank.
  3. You can sign the business leasing or car operational leasing agreement in internet bank for business.
  4. Pay the initial deposit and contract formation fee.
  5. Register the car with AB "Regitra". You can find how to do this here.
  6. The car must be insured with valid Casco insurance and compulsory civil liability insurance for vehicle owners. If you purchase Casco insurance not from Swedbank, send us a copy of the policy by email at hl.draudimas@swedbank.lt.

Conditions for Leasing New and Used Passenger Cars for Companies

  • Passenger and commercial vehicles up to 3.5 tons.
  • Financing amount – from 10,000 EUR.
  • Interest rate from 2.29% + 6 months Euribor (not less than 0%).
  • Down payment - from 10%. Reduced options available with EIF guarantee.
  • Contract period – up to 6 years.
  • Please note that at the end of the leasing period, the car must be no more than 15 years old.

The leased car needs to be insured with Kasko insurance. You can find the list of acceptable insurance companies here. Review Swedbank Casco conditions here.

Offer! Eco-friendly Car Leasing Conditions

For cars with CO2 emissions not exceeding 50g/km:

  • Interest rate – from 1.49% + 6 months Euribor (not less than 0%).
  • 10% discount on Casco insurance for the first year of the contract.
  • For both used and new cars.

For cars with CO2 emissions between 51-130 g/km:

  • Interest rate – from 1.89% + 6 months Euribor (not less than 0%).
  • 10% discount on Casco insurance for the first year of the contract.
  • Only for new cars.

These conditions apply when submitting a leasing application through online banking or at a seller, and signing the contract in business online banking.

CO2 emissions are measured according to the WLTP (Worldwide Harmonized Light-Duty Vehicle Test Procedure) standard.

Car leasing and operational leasing services, including operational leasing with services, are provided by "Swedbank lizingas", UAB. Insurance services are provided by "Swedbank P&C Insurance AS" Lithuanian branch through the representative "Swedbank lizingas", UAB.

Car leasing and operational leasing services, including operational leasing with services, are provided by Swedbank, AB. Insurance services are provided by "Swedbank P&C Insurance AS" Lithuanian branch through the representative Swedbank, AB.

During the whole contract period:

  • You can ask to extend your Leasing or Operational Lease agreement if you need more time.
  • You can request a payment deferral if you're facing financial difficulties.
  • Make partial payments or buy the car outright before the contract ends.

To change the contract, just fill out an application form.

Important! Changes without authorization are only possible if you're the vehicle manager. Check this info in section C.1 of your vehicle registration certificate.

Not all changes that need registering with AB "Regitra" require our approval. For example, you don't need authorization for changing your company's details, repainting the car, updating technical data, or switching the license plate. This agreement will do. It's handy when applying for a lost or new registration document or extending vehicle manager's registration. Have it with you when making changes at AB "Regitra".

Permission to use the vehicle:

  • In Lithuania and EU, no special permission is needed.
  • If you're planning to travel to other countries with your car, fill out an application form. Before leaving, make sure your Casco insurance covers those countries.
Charging of environmentally friendly car, purchased using corporate car leasing.

More friendly for the environment and business

Did you know that transport is responsible for 30% of the total CO2 emissions? But car industry also brings lots of new possibilities. Eco-friendly cars are not only better for the environment; they also tend to have lower ownership costs. Even if the initial cost of the car is higher, the investment pays off during the use. A win-win for both the environment and the business!

CO₂ calculator

Calculate how much carbon footprint does your transport choice create monthly?
60 km
0 km300 km
1
120
  • 12
  • 276
  • 151

Calculator's methodology based on ClimateCare.

Fuel economy and environmental label

When buying a new car, pay attention to the fuel economy and environmental labels, designated by the abbreviation WLTP. They indicate how much CO2 emissions your car produces.

Zero & low emission
vehicles (electric, plug-in vehicles)

Low & average emission
vehicles (mostly hybrid vehicles)

Average & high emission
vehicles (diesel, petrol vehicles)

For small businesses in Lithuania, Latvia, and Estonia, we can offer leasing with an EIF guarantee. This guarantee helps finance investments when the company does not have sufficient collateral.

InvestEU SME Guarantee

InvestEU SME Guarantee program for medium-sized enterprises

Main conditions:

  • The maximum leasing amount – up to 500 000 €.
  • Financing of vehicles, machinery, or equipment.
  • The guarantee is free of charge.

Applies to companies with:

  • Up to 250 employees.
  • The annual turnover up to 50 million EUR, or the balance sheet total up to 43 million EUR.
  • Operating for more than 12 months.

To get the EIF-supported financing, ask your contact person in the bank or fill out an application.

InvestEU Micro Guarantee

InvestEU Micro Guarantee guarantee for very small enterprises

Main conditions:

  • The maximum lease amount per company is 500,000 EUR.
  • A smaller down payment is required.
  • Financing of vehicles, machinery, or equipment.
  • The guarantee is free of charge.

Applies to companies with:

  • Up to 9 employees.
  • The annual turnover up to 2 million EUR, or the balance sheet total up to 2 million EUR.
  • Operating for more than 12 months.

To get the EIF-supported financing, ask your contact person in the bank or fill out an application.

Financing is provided using European Union support from the InvestEU fund. The goal of the InvestEU fund is to support EU policy objectives. Measures contribute to:

- Competitiveness of the European Union.
- Economic growth and employment within the EU, sustainability of the EU economy and its environmental protection and climate change aspects.
- Social resilience; advancement in science and technology; promotion of culture, education, and training.
- Integration of EU capital markets and strengthening of the internal market.
- Promotion of economic, social, and territorial cohesion.
- Sustainable and inclusive recovery of the EU economy after the crisis caused by the Covid-19 pandemic.

Additional information is available on the European Commission's information page.

European Investment Fund

Car leasing offers

Leasing offer to acquire a new environmentally friendly Toyota car for business.

Used Toyota Cars

From 1.5 % + 6-month EURIBOR
(minimum 0%).

Used Toyota Cars Leasing Offer

  • Interest Rate: 1.5% + 6-month EURIBOR (not less than 0%) for cars not older than 5 years.
  • Interest Rate: 1.99% + 6-month EURIBOR (not less than 0%) for cars aged 6-10 years.
  • Initial Deposit: Starting from 10%.
  • Leasing Term: From 12 months to 60 months.
  • Maximum Residual Value after 60 months: 35%.
  • Offer Valid Until: June 30, 2025.

This offer is valid only for applications submitted through official Toyota representatives in Lithuania: "Mototoja", "Tokvila", "Autotoja", "Solorina", "Sovli", and "Auresa".

Leasing offer to acquire a new environmentally friendly Toyota car for business.
Instructions for ordering a discounted 'PRO BRO' subscription for new 'Swedbank' car leasing clients.

Swedbank partner offers

- 200 Eur
Up to 200 EUR discount on the integrated accounting system RoboLabs.

RoboLabs integrated accounting system

Up to EUR 200 discount on accounting services for Swedbank customers.

View the offer
Free
3 months free for the Finpass early warning system.

Finpass Early Warning System

Get 5 reports and monitor changes in customers and suppliers, manage risks and grow sales for free for 3 months.

View the offer
- 30 %

Directo business management system

Conveniently manage all your company's business processes in a single online system and digitise your business processes. 30% discount on the basic package of the Directo Business Management System for the first 12 months + import module for free!

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Mokesčių SUFLERIS - Remote tax advisor to accountants

Free 1-month subscription to Swedbank customers.

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Jūsų Internet Explorer naršyklė nebepalaikoma.

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Nuo 2021 03 23 nebebus galima jungtis prie „Swedbank“ interneto banko naudojantis naršykle „Internet Explorer“.

Taip pat nebebus galima tvirtinti ar vykdyti mokėjimų iš „Swedbank“ kituose tinklalapiuose naudojantis „Internet Explorer“.

Siūlome Jums naudotis naršyklėmis „Google Chrome“, „Mozilla Firefox“ ar naujausia „Microsoft Edge“ versija. Norėdami sužinoti, kaip įdiegti naršykles spauskite čia.

С 23.03.2021 Интернет-банк Swedbank недоступен в браузере Internet Explorer.

С помощью Internet Explorer невозможно авторизоваться или осуществлять платежи через Swedbank на сторонних веб-страницах.

Вместо браузера Internet Explorer мы рекомендуем использовать браузеры Google Chrome, Mozilla Firefox или Microsoft Edge. Инструкции по установке упомянутых браузеров можно найти здесь.

From 23.03.2021 Swedbank Internet Bank and Banklink is no longer available using Internet Explorer browser.

It is not possible to authorize or make payments from Swedbank on other web pages using Internet Explorer.

Instead, we suggest using Google Chrome, Mozilla Firefox or the newest version of Microsoft Edge. To find out how to install the suggested browsers, please click here.

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E-shop payment

More conversions for your e-shop!

  • The most popular payment methods with no monthly fee.
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  • Easy integration by using plugins, „Cloud“ platforms or API.