Car leasing

Car leasing

Flexible and fast financing solutions for acquiring new or used property

  • Convenient overview of leasing contracts in the Internet bank.
  • All car-related expenses on a single invoice.
  • We offer casco insurance as well as motor third party liability insurance.

Flexible solutions

Our long experience and wide selection of products enables us to offer you the best solutions. We offer new and used car leases according to the needs of your business.

Everything from the same place

Sign a Motor Own Damage Insurance contract online (in the internet bank) or in any Swedbank branch along with a lease agreement.

Convenient settlements

Once you sign a Motor Own Damage Insurance contract with Swedbank, insurance costs will be added to monthly lease payments.

Contract information in the Internet bank

You can review lease agreements in your internet bank.

Financial Terms and Conditions
  • Funding available for passenger and light commercial vehicles (up to 3.5 tonnes);
  • The funded amount shall be no less than EUR 3,000;
  • At the end of the contract property must be not older than 15 years old;
  • Initial deposit: starting from 10% of the value of vehicle to be purchased;
  • Period of contract range from 6 months to 6 years.

General Conditions

General Part

This service allows to finance the purchase, meanwhile also enjoying services related to car maintenance such as CASCO insurance, technical maintenance and repairs, tyre replacement and storage at warehouse, 24-hour emergency service, etc. The client agrees with the leasing company on the additional services and the costs of such services are distributed evenly over the leasing period and added to monthly payments.

Financial Terms and Conditions
  • funding is available for passenger and light commercial vehicles, both new and used (up to 3.5 tonnes);
  • a vehicle can be purchased from official dealers of passenger vehicles only;
  • vehicle price must exceed EUR 5,000 (incl. VAT);
  • at the expiry of the contract, the vehicle must be no more than 11 years old;
  • initial contribution – from 10% on the value of the purchased vehicle;
  • contract duration – from 1 to 5 years.

The following advantages come with vehicle operating lease (including services):

Financial advantages:

  • we offer most favourable funding conditions (including period of the contract, initial contribution, vehicle repurchase price, etc.);
  • equal distribution of maintenance costs, allowing you to plan your transport costs more efficiently;
  • you avoid any risk related to increase in the car maintenance costs;
  • you can benefit from discount available to large customers when leasing and running maintenance of new vehicles;
  • difference between the purchase price and residual value is paid only.

Accounting advantages:

  • payment for goods and/or services purchased shall be extended until the next payment;
  • you have an option to use a vehicle (even without purchasing it);
  • part of full vehicle VAT is paid only (i.e. difference between the residual value and purchase price);

Advantages to a user:

  • simple, time-efficient, and convenient use of vehicles;
  • full fleet management services – at single spot;
  • we shall arrange for sale of the returned vehicles;
  • no need to manage cooperation agreements with the service providers;
  • full professional maintenance of the vehicles;
  • individually designed maintenance packages.

Dispersed costs

Administration services

  • Invoice administration

    Once you select an invoice administration service, the vehicle you lease will appear on the list of vehicles serviced by Swedbank lizingas. This will make you eligible to benefit from a discount available to large customers when you pay for goods and services in the network of our partners, while all invoices will be issued and paid on behalf of Swedbank lizingas.

    Major advantages include:

    • payment for goods and/or services purchased shall be extended until the next payment of a lease fee;
    • payment card or cash is no longer required for payment, no need to wait for the issue of a relevant invoice;
    • a discount available to large customers when they pay for goods and services in the network of our partners;
    • no need to sign cooperation agreements with relevant suppliers;
    • control of the maintenance costs of your vehicles.

    Click here to see if your vehicle is included in the list of vehicles served by Swedbank lizingas.

    Click here for the list of our partners and discounts available.

  • Fuel credit card

    Fuel credit card* issued on behalf of Swedbank lizingas entitles you to some exclusive discounts.

    Major advantages include:

    • payment for the fuel purchased shall be extended until the next payment of a lease fee;
    • payment card or cash is no longer required for payment, no need to wait for the issue of a relevant invoice;
    • fuel expense statements will be issued for each fuel card;
    • no need to sign cooperation agreements with relevant fuel suppliers.

    *For holders of Circle K Europe INT64 international credit card:

    • you can buy fuel, carwash services and other goods directly related to the maintenance of your vehicle without exceeding relevant limit provided by the lease contract or certificate on acceptance of a card, with Swedbank lizingas reserving right to review the limit unilaterally;
    • you can also pay for fuel and other goods at Circle K fuel stations in Lithuania and other Routex fuel stations across Europe (for more details on payment places see www.circlek.lt);
    • the following discounts are available at Circle K fuel stations in the territory of the Republic of Lithuania**:
      • EUR 0.052 for all types of fuel and D miles-type diesel;
      • EUR 0.043 for D miles Plus-type diesel and LNG-type of fuel;
      • 25% for carwash services, for each carwash;
      • 10% for car care goods.

    **An additional discount of EUR 0.017/l is available at self-service fuel stations of Circle K Automat. Swedbank lizingas reserves the right to review the discount unilaterally.

    The following additional conditions apply:

    1. An invoice for goods and services purchased during current month shall be issued the following month (an invoice for goods and services purchased abroad maybe issued within the next 3 consecutive months) and delivered to customer for payment. Value of purchases abroad shall be converted into euros using a currency exchange rate applicable at Routex.
    2. If your card is lost or you have a reason to believe your card is used illegally, or PIN number of your card becomes available to the third parties, you must block your card immediately and call Swedbank lizingas on +37052586616, and on weekends, public holidays and after office hours, you must also call UAB Circle K Lietuva on 1877. Make sure to indicate the number of card you want to block. As soon as you require your card blocked, you will remain responsible for all purchases effected using your card until 12.00 a.m. of the next business day. A new card replacing the blocked one will be issued based on a request of a client, and subject to a fee listed under rates applicable at Swedbank lizingas.
    3. The card shall be blocked automatically if the PIN code is entered wrongly 3 times in a row. You can unblock your card by calling 1877. Your card will be unblocked within an hour.
    4. If you do not use your card for the last 3 months before its expiry date, your card will not be renewed automatically.
  • Driver’s assistance

    We look after vehicles used by our clients throughout the lease period

    • We are ready to offer advice and guidelines on operation of your vehicle.
    • We are ready to issue statements on the assets used by the client.
    • We shall remind our clients of the following:
      • performance of a regular vehicle maintenance;
      • performance of a mandatory vehicle inspection;
      • duty to pay fee payable by managers and users of vehicles;
      • purchase of additional tires;
      • approaching expiry date of the contract.

Insurance

  • Comprehensive insurance

    We shall provide the vehicles you lease with comprehensive insurance cover and at best conditions.

    Major advantages include:

    • no need to have your insurance contract renewed yearly, since you shall enter into a long term contract until expiry of the contract of operating lease;
    • insurance premiums will be included into monthly lease fees;
    • insurance premiums shall remain stable throughout the period of the contract (regardless previous history of damages caused by the client, his/her driving experience or age);
    • no deduction of depreciation of genuine spare parts in case of restoration repairs (for 5 years after the first registration of your vehicle).
  • Mandatory third party liability insurance of vehicle users

    We shall provide the vehicles you lease with mandatory third party liability insurance cover and at best conditions.

    Major advantages include:

    • insurance premiums shall be included into monthly lease fees;
    • insurance premiums shall remain stable throughout the period of the contract (regardless previous history of damages caused by the client, his/her driving experience or age);
    • we shall renew your insurance policy.
  • Driver’s insurance

    We shall insure the driver at the amount of your choice.

    Major advantages include:

    • insurance premiums shall be included into monthly lease fees;
    • insurance premiums shall remain stable throughout the period of the contract.

Services offered by Swedbank lizingas

  • Processing of insured events

    We represent the interests of our clients during insurance proceedings, and arrange for restoration repairs of the vehicles.

    Major advantages include:

    • we offer advice in case of traffic accident;
    • we register insured traffic accidents;
    • we arrange for transport of your vehicle to the nearest service station;
    • we arrange for restoration repairs efficiently (including ordering of spare parts required, coordination of repairs with service shop, and review quality of repairs);
    • we settle and process invoices for restoration repairs related to insured events;
    • we can provide you with history of insured events of your fleet.
  • Vehicle delivery service

    Vehicle delivery service gives you an option to use the services below without spending time on maintenance of your vehicle:

    • processing of insured events;
    • regular maintenance;
    • replacement vehicle;
    • wash of your vehicle;
    • change and storage of tires.

    Major advantages include:

    • the vehicle will be delivered for scheduled works and returned immediately after;
    • vehicle users can save time;
    • overall state of your vehicle is verified when delivered;
    • an option to use vehicle delivery service (in single cases) when the service is not included.
  • Road assistance 24/7

    Road assistance insures mobility of vehicle users around the clock.

    Major advantages include:

    • efficient arrangement for road assistance in Lithuania and abroad;
    • an option of a replacement vehicle;
    • control of repairs of the vehicle.
  • Temporary vehicle

    A temporary vehicle offered will ensure your mobility pending delivery of another vehicle ordered.

    Major advantages include:

    • affordable rates and favourable payment conditions;
    • maintenance service package of temporary vehicle ordered individually.

Services of related costs

  • Regular maintenance

    We look after technical condition of our fleet and arrange for maintenance and repairs in line with requirements applicable by vehicle manufacturer. We also coordinate the time of service works with users of the vehicle and repair shops and oversee progress of repairs.

    Major advantages include:

    • equal distribution (periodization) of costs of regular maintenance throughout period of lease contract;
    • in case the costs are distributed, the rates of works and spare parts shall be fixed throughout the period of the contract (guarantee against price increase);
    • we shall arrange for mandatory technical inspection and periodic maintenance of your vehicle;
    • you can use single contact number to access full details on maintenance and repairs of your vehicle;
    • we shall ensure cost control.
  • Replacement and storage of tires

    Swedbank lizingas makes sure your fleet will run on conditions depending on the season.

    Major advantages include:

    • equal distribution of costs of tyres, their re-mounting and balancing, tyre replacement and storage of tyres (not required for the season) throughout period of lease contract;
    • special rates for tyres and their replacement shall be fixed throughout the period of the contract (guarantee against price increase);
    • we shall advise you of approaching replacement of seasonal tires and coordinate replacement time;
    • there is an option to deliver tires to another town/city;
    • you will have priority when booking time for seasonal replacement of tires;
    • we shall make sure your tires are suitable for use.
  • Replacement vehicle

    Replacement vehicle services give you mobility when the vehicle leased is unavailable.

    Major advantages include:

    • a number of days when a replacement vehicle can be used shall be set individually in each contract;
    • replacement vehicle shall be available whenever your vehicle cannot be used;
    • we shall make sure the class of replacement vehicle is not below the class of your regular vehicle (however it shall not exceed the middle class);
    • the service is available throughout the Baltics.
  • Carwash

    Swedbank lizingas helps you to keep you fleet clean.

    Major advantages include:

    • special cleaning fees shall be fixed throughout the period of the contract (guarantee against price increase);
    • service fee will appear in the single monthly invoice (along with a lease fee);
    • you can use wide network of our partners, cleaning centres.
  • Mandatory inspection and road tolls

    We make sure you do not miss the mandatory periodic inspection of your vehicle (at UAB Tuvlita) and tolls of main roads are paid.

    Major advantages include:

    • fees of mandatory inspection and road tolls shall be fixed, distributed and included in monthly payments;
    • we shall arrange for purchase of road toll stickers and deliver these to the vehicle user;
    • we shall remind of approaching expiry date of the mandatory inspection;
    • we shall coordinate time for mandatory periodical technical inspection.
  • Additional limit

    An agreed amount for vehicle operating costs shall be included in a contractual maintenance fee and shall be paid in equal instalments on a monthly basis throughout the period of the contract. This is to say that maintenance costs shall be covered by Swedbank lizingas, deducting these costs from the agreed limit of the service.

    • neither scheduled nor unscheduled costs for your vehicle will put you in an inconvenience, since these will be settled by Swedbank lizingas and subsequently deducted from the agreed service limit.
    • If the service limit is exceeded, the client shall be required to pay the excess.
  • Administration of parking at the airports

    The service gives an option to park your vehicle at parking sites close to the airports of Vilnius and Kaunas.

    Major advantages include:

    • payment for parking service purchased shall be extended until the next payment of a lease fee;
    • payment card or cash is no longer required for payment, no need to wait for the issue of a relevant invoice;
    • safe parking facilities close to the airports of Vilnius and Kaunas;
    • affordable parking rates;
    • no need to sign cooperation agreements with relevant suppliers;

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Reikalingi dokumentai:

Types of leasing

Financial lease

This type of lease allows you to become the owner of the property after the end of the lease period, when the entire amount of property acquisition price, interest and VAT are paid.

Operating lease

The principle of the lease transaction: a leasing company acquires property that is desired by the client and transfers it to the client for use before the established date. The client pays lease payments during the contract duration, and when the contract expires the property can be returned to the leasing company, the lease agreement can be extended or a new contract can be signed for new property.

Operating lease with services

It is a transaction when Swedbank purchases your desired vehicle and transfers it to you for use. You pay lease payments during the period of the contract for the use of the vehicle and the chosen maintenance services, and when the contract expires, you become the owner of the vehicle.

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