Choose the right solution for you

The calculator's result is based on estimates and provided for illustrative purposes only. For an advice or personalised offer, please contact the bank representative.
EUR
2,000
100,000
EUR
For Car loan down payment is not needed
For leasing – a minimum of 10 % of the car price
EUR
Loan – EUR 2,000, leasing – EUR 8,000
Loan – up to EUR 20,000, leasing – no limit
years
1 year
7 years
year
1970
2023
Find out the best solution
Enter an amount between EUR 2,000 and EUR 100,000
No down payment is required for a car loan. For leasing – a down payment of a minimum of 10 % of the car price is required.
The maximum repayment period for a car loan/leasing is 7 years.
For car loans, there is no car age limit. For financial leasing – at the end of the leasing term, the car's age may not exceed 13 years; at the end of the operating lease term – 10 years.
For current options, there is no suitable solution. For a leasing solution, a down payment of at least 10 % of the car price is required, and the age of the car age may not exceed 13 years at the end of the lease period.
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Car Loan
Loan for car purchase without a down payment and no car age limit
Recommended
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Leasing
Leasing for a car purchase with a lower interest rate compared to a car loan, but there is a car age limit and down payment
Down payment
Down paymentNot needed
Down paymentFrom 10 % of car value
Amount
AmountFrom EUR 2,000 to EUR 20,000
AmountFrom EUR 8,000
Annual interest rate
Annual interest rateFixed interest rate starting from 7.9 %, for a Green car loan fixed interest rate starting from 6.9%
Annual interest rateVariable interest rate starting from 1.99 % + 3 months Euribor, for environmentally friendly cars – variable interest rate starting from 1.45 % + 3 months Euribor
Car age limit
Car age limitNo limit
Car age limitAt the end of the leasing term, the car's age may not exceed 13 years
CASCO insurance
CASCO insuranceNot mandatory, but recommended
CASCO insuranceMandatory
Ownership
OwnershipOn car owner’s name
OwnershipOn creditor's name
Minimum age of the customer
Minimum age of the customer18 years old
Minimum age of the customer21 years old
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Representative examples

If the loan amount is EUR 7,000, the fixed annual interest rate is 10 %, the loan term is 72 months, the agreement fee is EUR 105, the monthly account commission fee is EUR 1.30, then the monthly payment is EUR 129.68, total repayment amount – EUR 9,535.56, the annual percentage rate of charge (APR) – 11.49 %.

Assuming that the price of a car selected is EUR 24,000, the financial lease period is 5 years (60 months), and the down payment is EUR 2,400, i.e., 10 %, so the total amount of credit would be EUR 21,600. The administration fee for preparation of the agreement is EUR 240 and the variable leasing interest rate is 1.99 % + 3 month Euribor (value on calculation day 2.29 %), the total payment amount paid would be EUR 24,271.80, the annual rate of the total consumer credit price – 4.84 %, and the monthly payment – EUR 400.53. The example is informative. The car must be insured with CASCO insurance, at the expense of the consumer, with an insurance undertaking acceptable to Luminor Lizingas UAB (the insurance costs are not included in the annual rate of the total consumer credit price).