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Leasing for businesses

Bring power to your business

Leasing Portal Lease calculator

For new and used objects

Repay within up to 7 years

Financing of up to 90%

Even if you are not yet a Citadele customer

Fast application processing

For cars

For commercial transport

For farmers

For industrial machinery and equipment
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Leasing portal

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

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Electric car at a great rate from 1.49%

  • Financial or operating lease (car rental).
  • Interest rate from 1.49%.
  • Leasing term up to 72 months.
Apply Electric car offers

* The annual percentage rate is 5.14% on the following example conditions: purchase amount 49 000 EUR (with VAT); down payment 10%; residual value 30%; the sum of the credit 44 100 EUR (with VAT); contract period 72 months; number of repayments 73; contract fee 250 EUR; floating interest rate 1.49% per annum + 3 months' Euribor (30.09.2024 3-month Euribor rate was 3.279%); the total sum of the credit 41 827.04 EUR. A motor third party liability insurance contract and CASCO insurance contract need to be concluded.

Leasing calculator

The interest rate consists of fixed interest rate determined by Citadele Leasing and 3- or 6-month variable EURIBOR interest rate. For each transaction, the interest rate is calculated individually, taking into account the cooperation relationships between the client and the Citadele, leasing asset criteria, down payment, etc.
0 EUR
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The calculator is just for your information and each customer's situation is evaluated individually.
Apply

The interest rate consists of fixed interest rate determined by Citadele Leasing and 3- or 6-month variable EURIBOR interest rate. For each transaction, the interest rate is calculated individually, taking into account the cooperation relationships between the client and the Citadele, leasing asset criteria, down payment, etc.
0 EUR
Payment schedule icon
The calculator is just for your information and each customer's situation is evaluated individually.
Apply

Car leasing

  • Financing of up to 90% of the car value.
  • Financing from 10 000 EUR.
  • Leasing period up to 7 years.
  • The age of the car at the end of the lease term is up to 15 years.
Apply Lease Calculator

Specialists

Commercial transport leasing

  • Operating or financial lease.
  • Financing of up to 90% of the value of the object.
  • Repay within 6 years.
  • For vehicles no older than 10 years by the end of the lease period.
Apply Lease Calculator

Specialists

Leasing or leasing loans for agriculture

  • Financing of up to 90% of the value of the object.
  • Contract term of up to 10 years.
  • EU funding can be obtained for the purchase of agricultural machinery. Object is included on the business’ balance sheet as a fixed asset.
Apply Lease Calculator

Specialists

Industrial technology and equipment leasing

  • For new and used objects.
  • Financing of up to 90% of the object price.
  • Lease term of up to seven years.
  • You can use leasing if the age of the agricultural equipment by the repayment date is under 18 years. Road building, construction and industrial equipment, as well as other unregistered technology must be under 15 years.
Apply Lease Calculator

Specialists

For sale

All vehicles

Didn’t find the answer to your question?

Visit our interactive assistant and find the information you need

Interactive assistant
What is the difference between operational leasing and financial leasing?

Financial leasing will be most suitable if you want to become the owner of the leased object after the final payment. During the leasing period, the entire cost of the leased object will be paid in monthly installments.

Operating leasing is suitable if you want to use a leased object for a certain amount of time and aren’t sure whether you wish to keep it. At the end of the lease period, you will be able to choose whether to return the object, sell it to third oarty or purchase it for the remaining value.

Where should I submit copy of CASCO insurance policy?

Use Leasing portal to submit CASCO insurance policy digitally or send copy of policy to kindlustus@citadeleleasing.ee.

Does object of leasing need insurance?

The object of leasing must be insured with casco/property and traffic insurance (if required by the law) for the entire period of the lease. 

At your request, our partner, Howden Kindlustusmaakler OÜ, will make you a casco, prorerty and/or traffic insurance offer.

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

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.

What is financed by Citadele Leasing?

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.

Can a lease agreement be terminated early?

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:

How does the increase in value-added tax (VAT) affect my lease agreement concluded until December 31, 2023?

Starting from January 1, 2024, the VAT rate in Estonia is 22%, instead of the previous 20%. 

For finance lease agreements, there will be no changes in the payments due to the increase in VAT if the selling price of the leased object has been paid to the seller and the leased object has been handed over to you by December 31, 2023. 

Regarding operating lease agreements, the application of the new VAT rate depends on the moment of contract conclusion. 
If the operating lease agreement is concluded until April 30, 2023, the old VAT rate of 20% will be added to the installments (principal payments) until December 31, 2025, and the new VAT rate of 22% will apply to such agreements starting from January 1, 2026. 
If your operating lease agreement is concluded from May 1, 2023, the new VAT rate of 22% will be added to the operating lease installments (principal payments) immediately from January 1, 2024. 

When purchasing the leased object (e.g., a vehicle) of an operating lease agreement, the new VAT rate of 22% will be added from January 1, 2024.

You can find all the details of your lease agreement in the leasing portal.

What should I do if I want to change my lease agreement?

Please send digitally signed application for agreement changes to liising@citadele.ee or submit application through Leasing portal. 
Our specialist will then contact you.

For example, a partial early repayment of the lease, a change in the leasing period, the release of additional collaterals (surety, guarantee) or the request for a payment holiday are considered as changes to the contract.

A service fee will be charged in accordance with the price list.

Can I transfer lease agreement to another person?

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.

What documents are required to apply for a leasing?

Private
To apply for a leasing, please fill in leasing application in Leasing portal.
Attach bank account statement(s) for past 6 months and car valuation or car offer from dealer.

Business
To apply for a leasing, please fill in leasing application in Leasing portal. 
Attach to the application the latest balance sheet and income statement and object valuation or sales offer from dealer.

More questions
What is the difference between operational leasing and financial leasing?

Financial leasing will be most suitable if you want to become the owner of the leased object after the final payment. During the leasing period, the entire cost of the leased object will be paid in monthly installments.

Operating leasing is suitable if you want to use a leased object for a certain amount of time and aren’t sure whether you wish to keep it. At the end of the lease period, you will be able to choose whether to return the object, sell it to third oarty or purchase it for the remaining value.

Where should I submit copy of CASCO insurance policy?

Use Leasing portal to submit CASCO insurance policy digitally or send copy of policy to kindlustus@citadeleleasing.ee.

Does object of leasing need insurance?

The object of leasing must be insured with casco/property and traffic insurance (if required by the law) for the entire period of the lease. 

At your request, our partner, Howden Kindlustusmaakler OÜ, will make you a casco, prorerty and/or traffic insurance offer.

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

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.

What is financed by Citadele Leasing?

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.

Can a lease agreement be terminated early?

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:

How does the increase in value-added tax (VAT) affect my lease agreement concluded until December 31, 2023?

Starting from January 1, 2024, the VAT rate in Estonia is 22%, instead of the previous 20%. 

For finance lease agreements, there will be no changes in the payments due to the increase in VAT if the selling price of the leased object has been paid to the seller and the leased object has been handed over to you by December 31, 2023. 

Regarding operating lease agreements, the application of the new VAT rate depends on the moment of contract conclusion. 
If the operating lease agreement is concluded until April 30, 2023, the old VAT rate of 20% will be added to the installments (principal payments) until December 31, 2025, and the new VAT rate of 22% will apply to such agreements starting from January 1, 2026. 
If your operating lease agreement is concluded from May 1, 2023, the new VAT rate of 22% will be added to the operating lease installments (principal payments) immediately from January 1, 2024. 

When purchasing the leased object (e.g., a vehicle) of an operating lease agreement, the new VAT rate of 22% will be added from January 1, 2024.

You can find all the details of your lease agreement in the leasing portal.

What should I do if I want to change my lease agreement?

Please send digitally signed application for agreement changes to liising@citadele.ee or submit application through Leasing portal. 
Our specialist will then contact you.

For example, a partial early repayment of the lease, a change in the leasing period, the release of additional collaterals (surety, guarantee) or the request for a payment holiday are considered as changes to the contract.

A service fee will be charged in accordance with the price list.

Can I transfer lease agreement to another person?

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.

What documents are required to apply for a leasing?

Private
To apply for a leasing, please fill in leasing application in Leasing portal.
Attach bank account statement(s) for past 6 months and car valuation or car offer from dealer.

Business
To apply for a leasing, please fill in leasing application in Leasing portal. 
Attach to the application the latest balance sheet and income statement and object valuation or sales offer from dealer.

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