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Leasing – a convenient way of
buying your car


8000 EUR

The minimum price of a car

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 Register of road vehicles
  • 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 Calculate the best deal for you


  • A special interest rate 1,45%+Euribor*
  • First deposit for operating and financial lease starting form 10%
  • Lower car maintenance costs
  • Your responsible choice for our planet

*A special interest rate for new and used battery powered electric vehicles

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

* A second-hand car cannot be older than 13 years at the end of the lease period

Lease financing is available both for new and used cars*
Reviewing your application within 1-2 business days
Apply and sign the agreement and other related documents remotely
Individual interest rate
Insurance without a worry from our trusted partners

You need to get CASCO (Casualty and Collision) insurance coverage for the car you are buying on lease from an insurance company acceptable to SEB Bank.

Please send your CASCO insurance policy to

Insurance and leasing payments could be in one invoice.

Leasing calculator

Say, you are getting a leasing on a car priced at EUR 20 000 and you pay the car seller a down payment of EUR 4 000 from your own funds, so the total amount of credit would be EUR 16 000, total amount payable by the consumer would be EUR 17 128,65. Total cost of the credit to the consumer (calculated by including leasing interest paid over the leasing maturity (EUR 868,65), the administration fee (EUR 200), the account maintenance fee (EUR 1 per month)) would be EUR 1 128,65 assuming that the leasing period is 5 years, currency - euros, the variable interest rate - 2,10% (2,10% margin and Euribor 6 months). The annual percentage rate of charge would be 2,75 %, monthly instalment – EUR 281,14. The customer has also an obligation to insure a car at the insurance company acceptable to AB SEB bankas under the terms set in the leasing agreement (the insurance price is not included in the annual percentage rate of charge). In case of a negative Euribor it will be treated that Euribor is equal to zero.

Financing methods


You can buy the car once you have signed a lease (hire-purchase) agreement. Under this agreement payments can be made in two ways:


  • The payment may be broken down in equal portions and spread over the whole lease period.
  • Payment of the larger portion of the car's fixed price (residual value) may be postponed. This portion is paid with the last payment while over the whole period small regular payments plus interest calculated from the non-repaid price of the car are paid.
Main contractual terms and conditions Financial leasing Financial leasing when payment of residual value is postponed

Car price including VAT

EUR 15,000 EUR 15,000
Down payment (20%) EUR 3,000 EUR 3,000
Residual value of the car 0% 20%*
Annual interest 3.5 + 6-month EURIBOR 3.5 + 6-month EURIBOR
Agreement preparation and administration fee EUR 150 EUR 150
Lease agreement period 5 years 5 years
Monthly instalment EUR 218.30 EUR 172.48*

* The residual value is paid together with the last lease payment. Extending the lease agreement is also available.

This is an example only. SEB Bank does not assume the obligation to finance on these terms.


Leasing agreement administration and amendment fees  
Agreement fee

From 1% of the asset value, but not less than EUR 200, if applied on-line

From 1% of the asset value, but not less than EUR 250, if applied at bank

Additional fee for drawing up an agreement (finance lease, operating lease, purchase and sale, repurchase, etc.) in the English language EUR 150
Change of the debt roll-over agreement / leasing agreement term 1% of the outstanding asset value, but not less than EUR 200
Agreement amendment or payment schedule change at the customer’s initiative fee or resumption of an agreement EUR 100.00
Change of the leasing payments date EUR 30
Deferment of leasing instalments (except change of leasing term) Free of charge
Agreement termination and sale of assets fees in the event of termination or expiry of a finance lease or an operational lease agreement  
For early termination of agreement  EUR 100.00
Sale of property to a third party in Lithuania 1.5 %, but at least EUR 300.00
Sale of assets to a third party outside Lithuania or sale of assets in case of complete damage 1.5 % of residual value, but at least EUR 500.00
Certificate issue and other fees  
Drawing up of additional documents (sublease, lease, access and other consents, official letters, authorisations, document copies, statements of annual turnover,  etc.) or reissue of previously drawn up documents at customer’s request EUR 20.00
Mailing of VAT invoices EUR 3.00
Handling of administrative penalty documents as well as other documents received in customer’s name EUR 10 per each document received
  • International money transfer charges if payment for the customer’s property is being made: to another country; in a foreign currency to another bank in Lithuania; under an urgent payment order
  • Transportation, customs and similar expenses
  • Mortgage fees (including when a car is pledged)
  • Express mail (e.g. DHL Lietuva) costs
compensated by the customer

For more information about leasing and related services, terms or rates please call +370 5 268 2800 or visit a SEB bank unit of your choice.

Have a question about leasing or car purchase?

For more information about leasing and related services, terms or rates please call +370 5 268 2800 .