For your business needs
Favorable terms
- Starting from 1.95% per annum + EURIBOR – for the purchase of a new car on lease*
A commission fee of 1.5% of the car price is applied.
*The offer is valid until 31st August 2025.
Calculate the best deal for you
Types of leasing
Financial
Suitable, if you plan to use the car for a long period of time and want to become the owner at the end of the lease.
Operating
Suitable, if you plan to use the car for a certain period and want to return the car at the end of the term, not wishing to sell it. If you wish to use the car for a longer period, you may replace the operating lease with the financial lease.
Example comparison
| Price of the vehicle | 10 000 EUR (incl VAT) |
| Term | 5 years |
| Down payment | 10% or 1 000 EUR |
| Commision fee | 1.5% or 150 EUR |
| Criteria | Financial lease | Operating lease |
|---|---|---|
| Monthly instalment (60 months) | 161 EUR | 122 EUR |
| Residual value at the end of lease | 0 EUR | 2500 EUR |
| Total costs | 10 810 EUR | 8470 EUR |
| Ownership | Vehicle is transferred into the ownership of the customer. | Vehicle is returned to SEB Leasing. |
The annual interest rate in the calculated sample is 3.49%.
Lease conditions depend on the chosen vehicle and your ability to pay. To get a personal lease offer, please submit an application.
Simple to apply
Submit a leasing application
We will send you an offer in 1-2 working days
After a positive decision, sign the agreement
EIF Guarantee
Contracts entered into between the European Investment Fund (EIF) and SEB enable us to provide loans and leasing services to micro, small and medium-sized enterprises in Estonia, Latvia, and Lithuania. The Guarantee is provided with the ultimate purpose of enhancing access to finance in line with defined policy objectives. The objective of this program is to increase access to finance for enterprises by offering additional guarantee from the EIF.
To get the EIF-supported financing, fill in application.
Insurance for your assurance
Get insurance from SEB in cooperation with the insurer If P&C Insurance AS Latvian branch
| Service | Fee |
|---|---|
| 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 issuing of document copies from archive by clients' initiative | 34.00 EUR (incl. VAT) |
| Issuing statements of paid contract interest (submission to Rural Support Service) |
11.00 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 | 1,5% of the issued outstanding lease amount, min 50.00 EUR (incl. VAT) |
| 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) | 1,5% of the outstanding lease payments, min 260.00 EUR (incl. VAT) |
| Fee for renewal of lease agreement by the Customer initiative without changes in the leasing agreement1 | 95.00 EUR (incl. VAT) |
| Commission fee for giving consent to transfer a vehicle to a trading company | 95.00 EUR (incl. VAT) |
| Fee for uninsured Lease object monitoring2 | 12.10 EUR (incl. VAT) |
| Fee for preparing the final invoice for a third party | 50.00 EUR (incl. VAT) |
1 In cases when expropriation process of leased asset is not started.
2 The fee is charged if the Lease object is not insured for more than 30 days.
- Sum insured must be: new value or market value;
- Insured risks: damage, carjacking, robbery, theft;
- SIA SEB līzings, reg. No. 50003334041, for which the payment of the insurance indemnity in the amount of the unfulfilled leasing obligations is provided upon the occurrence of the insured event;
- Deductible may not exceed 20% of the sum insured.
More leasing options
Electric cars interest rate starting from 1,45%
To support sustainable decisions in your daily life we offer special interest rate for battery powered electric vehicles.
- A special interest rate for electric cars 1,45% + Euribor
Commercial vehicle leasing
- Cargo trucks, trailers and specialised transport
- Buses, minibuses
- Other commercial vehicles
- New and used vehicles
Other financing solutions
Investment loan
Expand your business and acquire fixed assets without using working capital.
Microloan
Financing up to 20,000 EUR without a commercial or real estate collateral.
Financing for agricultural companies
Different financing options to support the growth of companies active in agricultural sector.
Want to make sure you find a suitable solution?
