Please send us a leasing application that you can easily fill in on our website or in our internet bank (Applications → Car leasing).
Enclose the following with your application:

• the seller’s offer;
• your personal ID document (if you are married, we will ask you to provide your spouse’s ID document);
• if any additional documents will be needed, we would inform you.

Prior to granting leasing, we assess many criteria, but the most important the amount of the leasing shall depend on your financial capacities – your income and liabilities. Taking to account your family's monthly income and necessary expenses, it must be enough money left to repay the loan installment and other loan‑related fees. The total amount of the loan installments per month you have shall not exceed 40 % of your and your family's income (depending on whether the loan is granted only on your income or on the family income). To use the leasing service, you must be at least 21 years old.

The maximum age of the car can be 13 years by the expiry of a financial leasing. In case of the leasing with residual value, maximum age of the car can be 10 years by the expiry of a leasing agreement.

The maximum lease term is 7 years in the case of a financial lease.

Yes, please send us your request by e‑mail [email protected]. The request must be signed with an electronical signature, in the absence of the possibility to sign with an electronical signature, the request can be signed in the presence of a Luminor employee.

In the case of financial lease, you will have to pay the price of the car to us during the term of the leasing. We will send you the leasing agreement termination documents and you can initiate the change of ownership in Regitra.

Financial lease – this type of leasing allows you to become the owner of the property after the end of the leasingl period, when the entire amount of property acquisition price, interest is paid.

Yes, it can. If you would like to terminate your agreement early, please send us your request by e‑mail [email protected]. The request must be signed with an electronical signature, in the absence of the possibility to sign with an electronical signature, the request can be signed in the presence of a Luminor employee. After we receive your signed request, we will send you the invoice for buying out the vehicle. Once you’ve paid this amount to us, we will send you the termination documents and you can initiate the change of ownership in Regitra.

In case you make a full early repayment of the financial leasing, a proportional part of the leasing iexecution fee will be automatically returned to your account for the period the leasing was not used.

In case the leasing with residual value, the lessee pays part of the price of the property specified in the leasing agreement during leasing term, and the remaining part of the property is paid together with the last installment paid by the lessee or repurchased by a third party (car dealer). The residual value (car repurchase guarantee) at the end of leasing agreement is determined by the car dealer, considering the desired leasing term, planned mileage and future market value of the car.

Yes, but the lease agreement must then be amended. If you would like to change the leasing agreement, please send us your request by e‑mail [email protected].

Please send us your request by e‑mail [email protected] and we will review it individually.

Yes, Casco insurance is mandatory. Insurance manages the main risks that may emerge when the leased asset is damaged or destroyed.

For further information on insurance terms and conditions, click here.

Yes, in that case please send us a copy of your insurance to our insurance partner for authorization by e-mail [email protected].

For further information on insurance terms and conditions are provided here.

In case of an insured event notify Luminor Leasing and the respective institutions immediately (police, fire protection service, etc.), and your insurance company.

For this information, please contact us by e‑mail [email protected] or by phone +370 5 239 3444.

Yes, you can. In this case, the existing leasing agreement must be terminated, and a new agreement must be entered into for the new car (new agreement conditions may differ from the current agreement conditions).

No.