Leasing for businesses

Financial leasing will be most suitable if you want to own your car. Monthly payments, compared with an operating lease, will be higher, however, the car will be yours after the final payment. 

Operating leasing is suitable if you want to use a car for a certain amount of time and aren’t sure whether you wish to keep it. Monthly payments, compared with financial leasing, will be smaller. At the end of the lease period, you will be able to choose whether to return the car or purchase it for the remaining value.

Initial costs that you have to take into account when concluding a leasing transaction: down payment, agreement fee, car appraisal (if a used car is purchased), car registration with the Traffic Register Bureau of the Transport Administration, CASCO and traffic insurance. In the following period - monthly leasing payments, insurance, fuel and car maintenance costs.

Citadele leasing provides an answer on financing opportunities within 2 business days after receiving all documents necessary for the evaluation of the transaction.

If you are a natural person, we recommend that you find out your personal leasing limit by logging in and filling in the application here.

Citadele Leasing finances purchase of cars, motor vehicles, commercial vehicles, various types of machinery and equipment. The leasing object can be new or second hand.

Please send copy of  CASCO insurance policy to kindlustus@citadeleleasing.ee.

The object of leasing must be insured with CASCO and traffic insurance for the entire period of the lease. 

At your request, our partner, Smart Kindlustusmaakler AS, will make you a CASCO and traffic insurance offer.

Yes, lease agreement can be terminated early.

In this case, leased object is bought out by the lessee or sold to a third party.

To receive final invoice, please send us your request to liising@citadele.ee. 

Invoice will be prepared within 1 working day.

After payment of the final invoice, leasing initiates the change of ownership in the e-service of the Transport Administration in the name of the buyer within two working days.

A service fee might be charged in accordance with the price list:

• private customer
• business

If you have found an interested party who wants to transfer your lease agreement to their name and become the new user of the leased object, it essentially involves applying for a new lease.  Therefore, we kindly ask the interested party to submit a lease application with the additional documents required.

If the credit decision is positive and interested party wishes to enter into a lease agreement with us, you will need to submit an application to terminate your lease agreement prematurely.

In general, the rate in your leasing/rental agreement is made up of a fixed rate and the EURIBOR rate or variable rate (base rate). The frequency and date of changes to your variable (EURIBOR) rate is set out in your rental/leasing agreement. You can keep up with your updated monthly invoices and payment schedule in the emails we regularly send to the email address in your agreement. Private customers can also conveniently see their monthly invoices from Citadele Leasing in the Leasing Portal. Please bear in mind that the repayment schedule we send to your email address is for your information only, and does not reflect potential fees for missed payments and other additional fees in accordance with the agreement.

If you are Citadele Leasing customer, you can find detailed information about your leasing agreement in our Leasing portal.
If you are Citadele Factoring customer, then please send your questions regarding your leasing agreement to liising@citadele.ee.