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Leasing – a convenient way of buying your car


9000 EUR

The minimum sum of funding

Up to

7 years

Term of lease

Starting from


The first deposit

Reach your goal in just a few steps

  • Choose a car you would like to purchase
  • Apply for leasing and receive an answer about your financing opportunities
  • In the agreement you can choose the insurance for your car
  • Sign the agreement remotely
  • Make the first deposit
  • Register your car at the Road Traffic Safety Directorate (CSDD)
  • SEB leasing transfers funds to the car seller

Feedback from our customers

"I received the car before the competing bank was able to make an offer. Speed is important today. Thank you!"

Comment from NPS survey

"I have taken both a housing loan and a car lease from SEB. SEB has made good offers without excessive question-and-answer round and time delay."

Comment from NPS survey

"Pleasant and fast service remotely (by phone and e-mail)."

Comment from NPS survey

We encourage you to choose an electric car


Apply for leasing Calculate the best deal for you


  • A special interest rate 1,45% + Euribor*
  • First deposit for operating and financial lease starting from 10%
  • Lower maintenance costs
  • SEB leasing response within 2 business hours
  • Special price for CASCO insurance
  • Your responsible choice for our planet

*A special interest rate for new and used (up to 2 years) battery powered electric vehicles

When choosing leasing in SEB you can be sure about lot of things

Reviewing your application within 1-2 business days
Apply and sign the agreement and other related documents remotely
Individual interest rate
Insurance and leasing payments could be in one invoice

Insurance for protection in unexpected situations


Both CASCO and MTPL insurance are provided by If insurance.

Learn more about vehicle insurance.

Please send your CASCO insurance policy to or deliver it to any SEB branch.

Information about the distributor of insurance products (LAT)


Advantages of CASCO:


  • A special price offer for our customers
  • Unlimited car replacement cover
  • Possibility to split insurance premium in 12 payments
  • Insurance is valid in Europe without an additional cost


Now to purchase CASCO is convenient with If Insurance

Conveniently choose any of the If Insurance Casco policies via internet bank and receive 10% discount until December 31.

Leasing calculator

Interest rate – a variable interest rate, assuming that it will not change throughout the duration of the Agreement.

Residual value – with operating leasing the value of the car at which the seller agrees to repurchase it at the end of the term of the agreement. An agreement for the terms of repurchase is signed with the seller.

Annual interest rate (AIR) – the total costs of the loan expressed as a percentage of the loan principal granted to you.

The calculations made using the calculator are of an informative nature. To find out more accurate information, please apply for a consultation with the loan officer of SEB bank.

Borrow responsibly, having regard to your ability to repay the loan.

Types of leasing


Suitable if you plan to use the car for a long period of time and receive the car into ownership at the end of the lease term.


Suitable if you plan to use the car for a certain period of time and return the car at the end of the lease term without selling it. If you wish to use the car for a longer period of time, you may replace the operating lease with a financial lease.

Comparison example

Price of the vehicle 10 000 EUR

Term 5 years

First deposit 10% or 1000 EUR

Commission fee 1,5% or 150 EUR

Calculate the most beneficial leasing using the calculator

  Financial lease Operating lease
Monthly instalment (60 months) 161 EUR 122 EUR
Residual value at the end of the lease 0 EUR 2500 EUR
Total costs 10 810 EUR 8470 EUR

AIR in this example is 3.49%

Vehicle is transferred into the ownership of the customer

Vehicle is returned to the SEB leasing


Services Fees
Lease application review Free of charge
Fee for the preparation of leasing agreement 1,5% of the price of leasing object,
min 150.00 EUR (incl. VAT)
Additional commission for preparation of leasing agreement in 2 languages (Latvian and English) 150.00 EUR (incl. VAT)
Changes in leasing agreement or payment schedule by clients' initiative 150.00 EUR (incl. VAT)
Issuing of documents (accounting statements, etc.)  and document copies from archive by clients'initiative 34.00 EUR (incl. VAT)
Issuing power of attorney for going outside borders of the Latvian Republic for one person 30.00 EUR (incl. VAT)
Fee for sending invoices via post 3.50 EUR (incl. VAT)
Fee for leasing repayment before the term incl. additional invoice issuing for partial repayment (in case of floating interest rate)1 Free of charge
Fee for leasing repayment before the term cancellation 34.00 EUR (incl. VAT)
Fee for preparation, formatting or coordination of documents in case of the refinancing of leasing in another finance institution (agreements, contracts and their changes, requests, applications and others) Free of charge
Fee for renewal of lease agreement by the Customer initiative without changes in the leasing agreement2 95.00 EUR (incl. VAT)
Commission fee for giving consent to transfer a vehicle to a trading company 34.00 EUR (incl.VAT)
Fee for uninsured Lease object monitoring3 12.10 EUR (incl. VAT)

1 In case leasing agreement is with fixed interest rate, for repayment before term additionally is applied compensation for fixed interest rate termination expenses, but not more than stated in rules “Rules about crediting consumers" by The Cabinet of Ministers".

2 In cases when expropriation process of leased asset is not started.

3 The fee is charged if the Lease object is not insured for more than 30 days.

Have a question about leasing or purchasing a car?

We will contact you at the earliest convenience to find the right solution according to your needs.

  • Our client executives will help you find the right solution for your needs
  • We have a dedicated team of profesionals you can trust
  • 90% of requests get feedback in less than 2 hours

We will contact you at the earliest convenience to find the right solution according to your needs.