Car Leasing and Operational Leasing

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

Car Leasing and Operational Leasing for Business

New! Take advantage of leasing with the InvestEU Micro guarantee - down payment starting from 4.9%!
Exclusive conditions for environmentally friendly cars.
Swedbank exclusive: special conditions for Lexus, Toyota and other cars.

Car maintenance services

40% discount on the "Švaros broliai" subscription

One payment for leasing and Casco

New
Used

EUR

	Financial lease	Operational lease (rent)	Full-service operational lease
	Show chart	Show chart	Show chart
Monthly payment	0 EUR	0 EUR	0 EUR
Residual value*	no	EUR	EUR
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	0 EUR
Residual value*	no
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.
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	Additional services	Total
0	0.00	0.00	0.00	0.00	0.00	0.00

Example of a car rental payment schedule

Monthly payment	Residual value*	Asset redemption fee	Interest payments	Document processing fee	Additional services	Total
0	0.00	0.00	0.00	0.00	0.00	0.00

Example of a car rental payment schedule

Monthly payment	Residual value*	Down payment	Rent fee	Document processing fee	VAT 21%	Additional services	Advance compensation	Total
0	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

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
0	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

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.

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.

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.

Along with the leased car, you will receive selected maintenance services. For example: Casco insurance, technical maintenance, repairs, tire replacement and storage, 24/7 assistance. The costs of services are simply added to the monthly payment.

The main advantages of car operational leasing with services:

One monthly invoice for all services for your car.
Discounts for VIP clients when purchasing goods or services throughout the Swedbank partner network.
During the operational leasing period, both rental and operating costs are fixed.

Fill in an application via Internet Banking or apply for consultation.
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.
You can sign the business leasing or car operational leasing agreement in internet bank for business.
Pay the initial deposit and contract formation fee.
Register the car with AB "Regitra". You can find how to do this here.
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.

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.

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.

Service or operation name	Fee
Fee for concluding the agreement
Fee for concluding a lease/operating lease agreement	From 1 % of the property value, minimum EUR 200 (plus VAT in the case of operating lease)
Additional fee for concluding/changing a lease/operating lease agreement when a car appraisal report¹ is not provided (in that case the property value shall be determined by Swedbank itself; a car is delivered for examination to the place and at the time specified by Swedbank (if Company does not specify that car appraisal will be done without car delivery for examination))²	EUR 90 (plus VAT in the case of operating lease)
Fee for amendment to the agreement
Fee for amendment to the agreement	EUR 150 (plus VAT in the case of operating lease)
Fee only for extension of the operating lease agreement for up to 2 months	EUR 75 plus VAT
Fee for changing the date of payment	EUR 30 (plus VAT in the case of operating lease)
Unless the agreement provides otherwise, the fee for amendment to the agreement shall not be charged in the case of the following amendments: - adjustment of the property value after import; - deferral/shortening of the term of periodic payments when the seller delays the delivery of the property/delivers the property earlier; - inclusion, change, refusal of the property insurance organisation service; - inclusion of services in the agreements of lease with services; - refusal or inclusion of the service of the organisation of compulsory insurance of civil liability of the property user; - adjustment of the property specification (without changing the price of the property).
Fee for the authorisation for the sub-rent, sublease, loan-for-use of the property (the fee shall be charged per each agreement separately)	EUR 30 plus VAT
Fee for the arrangement on the conditional pledge of the property or for a trilateral arrangement on the redemption of the property	EUR 100 plus VAT
Fee for the issue of a certificate: a certificate for audit purposes and different other certificates	EUR 25 plus VAT
Fee for the issue of a certificate granting the right to travel abroad (the fee shall not be charged when the certificate is issued to a customer (manager of the customer's company))	EUR 10 plus VAT
Fee for the issue of documentary copies
Agreement copy with annexes	EUR 10 plus VAT
Copies of other documents (a fee for copies of VAT invoices shall be charged only for the invoices issued more than 2 months before)	EUR 3 plus VAT per page
Duplicates of completion deeds shall be issued free of charge.
Private customers submitting a written request shall have the right to receive free of charge the relevant schedule of payments. The schedule of payments shall also be posted on the internet bank of Swedbank.
Fee for resumed validity of agreements upon cancellation of their termination
When agreements are resumed during the same month in which they were terminated	For one agreement - from EUR 90, for each additional agreement - from EUR 30 (plus VAT in the case of operating lease, and also in the case of lease, without making changes in the schedule)
When agreements are resumed which were terminated during the previous or earlier month	For one agreement - from EUR 90, for each additional agreement - from EUR 30 (plus VAT in the case of operating lease), also paying the amount of interest unpaid during the termination period according to all agreements being resumed (issuing one single invoice)⁴
Operating lease agreement termination fee (is charged when the agreement is terminated on the customer's initiative and consent of Swedbank, when the property is transferred to the customer for use)⁵
When, at the same time, a new lease or operating lease agreement is concluded with Swedbank	EUR 80 plus VAT
In all other cases	EUR 160 plus VAT
Property sale administration fee upon expiry or early termination of the operating lease agreement (when Swedbank agrees to sell the property)⁵:
Property sale to the customer who has leased it	From EUR 450 plus VAT
Property sale to a third party	From EUR 600 plus VAT
Additional one-time services (if not included in the agreement): handing of the insured event, performance of technical maintenance and roadworthiness testing, roadside assistance for 24 hr, delivery of a replacement car to another city, car wash, etc.	EUR 40/h plus VAT
Replacement car (if not included in the agreement)
A replacement car service shall also cover a short-term car rent service, provided that at least one operating lease agreement or parking maintenance agreement concluded with the customer is valid.

Price per day, EUR, plus VAT
Number of days	Economic	Compact	Medium	Large
1-7 days	29 EUR	35 EUR	41 EUR	53 EUR
8-14 days	24 EUR	29 EUR	35 EUR	47 EUR
15-21 days	21 EUR	24 EUR	29 EUR	41 EUR
22-29 days	18 EUR	21 EUR	27 EUR	35 EUR
Price per month, EUR, plus VAT
1-11 months	377 EUR	435 EUR	522 EUR	638 EUR
Price per month, EUR, plus VAT, when a replacement car is rented until delivery of the property ordered by the customer
1-11 months	290 EUR	348 EUR	435 EUR	551 EUR

Where monthly fees are charged, mileage shall be limited to 3 000 km/month.

Additional fees
Fuel supply fee	According to actual costs
Fuel supply administration fee	EUR 15 plus VAT

¹ A car appraisal report issued by the appraiser acceptable to Swedbank shall be required when the obligations by existing contract are transferring to the new customer or car is purchased from the seller who is not included in the List of Sellers Acceptable to Swedbank.

² This option is available: (1) in the cities of Vilnius, Kaunas and Klaipėda, when the car is delivered for inspection at a place and time specified by Swedbank; (2) in other cases, Swedbank may waive the requirement to deliver the car for inspection by specifying a different valuation procedure.

³ A separate fee for the issuance of a certificate shall apply for each period of twelve calendar months or for each commitment date specified in the application. A fee of EUR 25 plus VAT shall be charged for a certificate not relating to a time period or commitment date.

⁴ Foregone interest shall be calculated by multiplying the amount of interest on the first unbilled invoice in the schedule by the number of unbilled invoices/periods (until reinstatement of the agreement).

⁵ This fee may be included in the sale price of the leased property or paid separately.

General conditions of corporate client leasing agreement

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.

If you want to buy out the leased vehicle earlier than planned:

Submit a request via "Swedbank" business internet bank, by email at verslas@swedbank.lt, or by phone at +370 5 268 4422.
After paying the specified amount, you will become the owner of the vehicle.

At the end of the financial leasing agreement term and after fulfilling financial obligations, you will become the owner of the vehicle. If you have a financial leasing agreement with a residual value, you can apply for its extension.

If more than a month remains until the end of the contract, please contact us by email at verslas@swedbank.lt and indicate how long you wish to extend the leasing period.
If we do not receive your message, we will assume that you plan to continue payments according to the set schedule, including the residual value of the asset.

If you plan to extend the contract, simply write to us at lizingas@swedbank.lt. We will need this information:

For what period do you want to extend the operating lease?
What is the actual mileage of the vehicle?
What is the expected mileage at the end of the extended contract?

Want to Buy Your Leased Vehicle?

We will prepare an offer corresponding to the market price of the vehicle;
If you accept our offer and complete payment under a new contract, ownership of the car will transfer to your company.

Planning to Return Your Vehicle? Make sure that:

The mileage does not exceed the maximum. The maximum mileage is specified in your contract. An additional fee may apply for each exceeded kilometer.
The car is clean both inside and out. Perform interior cleaning if necessary. Also, ensure that it is mechanically sound and in similar condition as when handed over to you. Normal wear and tear will be considered. Remember that all manufacturer configurations and any additional equipment provided must be present (e.g., spare key, alarm remote). The car should not have any visible or hidden defects.

A double rental fee may apply for overdue returns

At the end of a financial leasing agreement or after purchasing the asset before the term, "Swedbank Leasing" will send you an end-of-contract statement (a document confirming the end of the agreement).

Upon receiving the end-of-contract statement, you must immediately contact AB "Regitra". At AB "Regitra", you will need to declare the change of ownership in the Vehicle Owners Registry.

This must be done within 5 (five) working days from the date of receipt of the end-of-contract statement. Submit a declaration of asset acquisition in your name and a transfer declaration in the name of UAB "Swedbank Leasing" to AB "Regitra".

Have you purchased a leased vehicle?

The change of vehicle ownership must be declared within five working days at your own expense in the Vehicle Owners Registry. During registration, submit a declaration of vehicle acquisition in your name and a transfer declaration in the name of UAB "Swedbank Leasing".

At the end of your financial leasing or operating lease agreement, check whether your insurance contracts have also expired. Contracts concluded with "Swedbank P&C Insurance, AS" Lithuanian branch can be found in the "Swedbank" business internet bank.

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!

Calculate how much carbon footprint does your transport choice create monthly?

Liters of fuel spent per month
12
Kilograms of CO₂ per month
276
Trees needed to absorb your impactforest
151

Calculator's methodology based on ClimateCare.

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 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 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.

Car leasing offers

New environmentally friendly Toyota cars

Used Bravoauto cars

New Lexus LBX and UX cars

Environmentally friendly cars

Environmentally friendly Toyota car leasing offer:

Interest rate 0.99% + 6-month EURIBOR (not less than 0%).
Leasing term from 12 months to 60 months.
Initial down payment from 15%.
Maximum residual value of 40% after 60 months.
Offer valid from April 1, 2023, to September 30, 2024.

The offer is valid only for applications received through official Toyota representatives in Lithuania: Mototoja , Tokvila, Autotoja, Solorina, Sovli, Auresa.

The offer does not apply to Camry, Highlander and bZ4x models.

Interest rate from 1,5% + 6 months EURIBOR (not less than 0%).
Leasing terms from 12 months to 84 months.
Initial down payment from 10%.
Maximum residual value of 33% after 60 months.
Offer valid from June 1, 2023, to September 30, 2024.

The offer is valid only for applications received through Inchcape Motors and Krasta Auto, for the purchase of a car at the original price stated in the advert, where no discount is applied.

Leasing offer for Lexus LBX and UX cars:

Interest rate 0.99% + 6-month EURIBOR (not less than 0%).
Leasing term from 12 months to 60 months.
Initial down payment from 15%.
Maximum residual value after 60 months – 30%.
Offer valid from April 1, 2023, to September 30, 2024.

The offer is valid only for applications received through official Lexus representatives in Lithuania: Mototoja and Autotoja.

Financial and operational leasing available for passenger and light commercial vehicles (up to 3.5 tonnes).
Financed amount from 5 000 EUR.
Interest rate from 2.29% + 6 month Euribor.
Down payment from 10%.
At the end of lease period vehicle have to be not older than 15 years.
Period of contract up to 6 years.
The list of insurance companies acceptable for UAB Swedbank lizingas can be found here.

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.