Failure to properly and timely fulfill your financial obligations will increase the costs of financing services. It may also adversely affect your credit history and ability to obtain financing on favorable terms in the future. If the lease agreement is terminated due to material breach (e.g., failure to make timely payments), forced debt recovery may be commenced and you may lose the payments you have already made as well as the rights to the leased asset.
Terms and conditions
- Age of the applicant is at least 21 years
- Leasing amount at least EUR 8,000, down payment, starting from 10 %
- Special offer for new cars – leasing interest rate 1.99 % per year + 3-month Euribor (not less than 0 %). Leasing interest rate for used cars - starting from 2.24 % per year + 3-month Euribor (not less than 0 %).
- Agreement fee of 1% of the vehicle price, a minimum of EUR 200
- The lease period is up to 7 years
- The maximum age of the vehicle at the end of the lease period is 13 years
- Become the owner of the vehicle at the end of the lease period, when the entire amount of property acquisition price and interest is paid
Representative example. 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).
Leasing service is provided by Luminor Lizingas UAB.
Terms and conditions for environmentally friendly cars
We offer more favorable terms for electric cars, hybrid cars and all cars with a CO2 emission level not exceeding 130 g/km.
- Interest rate for electric cars 1.45 %* per year + 3 month Euribor (not less than 0 %)
- Interest rate for hybrid cars and low-emission cars (CO₂ ≤ 130 g/km) 1.89 %* per year + 3 month Euribor (not less than 0 %)
- Down payment starting from 10 %
- Lease period up to seven years
* Interest offer applies to new cars (manufactured less than 12 months ago) and cars used for up to 6 months with mileage up to 6,000 km.
Representative example: 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 1.45 % + 3 month Euribor (value on calculation day 2.29 %), the total payment amount paid would be EUR 23,956.20, the annual rate of the total consumer credit price - 4.28 %, and the monthly payment - EUR 395.27. 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).
Leasing service is provided by Luminor Lizingas UAB.
