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Leasing

0 EUR processing fee and interest rate 3.99% + 3 months EURIBOR* when submitting an application on Leasing portal with the promo code BLACK2025. Offer valid 01–30.11.2025.

Special offer!
Leasing Portal Find out your options

Interest rate from 2.40 %

Financing of up to 90% and for up to 7 years.

Fast application processing

Can be combined with your monthly insurance payment.

Financing from 5000 EUR

The age of the car at the end of the lease term is up to 15 years.

Great deal!

Special offer in November!

  • 0 EUR processing fee.*
  • Interest rate 3.99% + 3 months EURIBOR.*
  • Offer valid when submitting an application on Leasing portal with the promo code BLACK2025.
Apply

* Promo code must be entered in Leasing Portal section Additional Information. The interest rate offer applies to all types and ages of leased objects. Promotion period: 01–30.11.2025.
A finance lease example: by purchasing a vehicle for 24 000 EUR, the down payment is 2400 EUR (10% of the purchase price) and a financing amount is 21 600 EUR. The interest rate is 3.99% + 3 months EURIBOR per year, the APR (Annual Percentage Rate) is 6.178%. Processing fee is 0.00 EUR. The monthly leasing payment over a 60 month lease period is 417.75 EUR. The total sum to be paid (excluding down payment) – 27 464.86 EUR. When calculating the APR, it is assumed that the initial interest rate is maintained for the entire leasing (financing repayment) period and there are no late payments.

Leasing portal

Check your applications, active agreements and apply for new leasing.

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Payments and billing

  • Pay your monthly invoices easily and quickly.
  • View up-to-date information on your leasing agreement.
  • Review your payment history.
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Contract and asset details

  • See your financed amount, contract number and term.
  • Track changes to interest rates and payment schedule.
  • View asset details: brand, model, VIN, etc.
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Other Information

  • Update your contact details (email, phone number or address).
  • Manage your consent for personal data processing.
  • View information on the asset’s insurer.
  • Apply for a new leasing.

Electric car at a great rate from 1.49 % + 3-mon. EURIBOR**

  • Financial or operating lease (car rental).
  • Interest rate from 1.49 % + 3-mon. EURIBOR.**
  • Down payment from 0 % when you choose an operating lease.
  • Leasing term up to 84 months.
  • Special CASCO offers in collaboration with CL Insurance Broker.
Apply Electric car offers

** When you take out an operating lease with a down payment of less than 10%, the interest rate is from 1.99% + 3-mon. EURIBOR. A finance lease example: by purchasing a vehicle for 15 000 EUR, the down payment is 1500 EUR (10% of the purchase price) and a financing amount is 13 500 EUR. The interest rate is 1.49% + 3 months EURIBOR per year, the APR (Annual Percentage Rate) is 5.476%. The commission fee for processing the agreement is 225.00 EUR. The monthly leasing payment over a 72 month lease period is 216.55 EUR. The total sum to be paid (excluding down payment) - 15 816.99 EUR. When calculating the APR, it is assumed that the initial interest rate is maintained for the entire leasing (financing repayment) period and there are no late payments.

Leasing calculator

Vehicle price cannot be lower than 6000 EUR Vehicle price cannot exceed 999999 EUR
Contract term in years cannot be lower than 2 Contract term in years cannot exceed 7
2 years
7 years
Down payment cannot be lower than 10 % Down payment cannot exceed 90 % Down payment cannot be lower than 2000 EUR Down payment cannot exceed 18000 EUR
Remaining value cannot be lower than 11 % Remaining value cannot exceed 72 % Remaining value cannot be lower than 2200 EUR Remaining value cannot exceed 14400 EUR
×
Interest rate cannot be lower than 1.40 % Interest rate cannot exceed 7.00 %
335.75 EUR
Monthly payment
Repayment schedule icon
The calculation of the calculator is only informative and each customer's situation is evaluated individually.
Apply
Monthly income cannot be lower than 700 EUR Monthly income cannot exceed 5000 EUR
Monthly liabilities cannot be lower than 0 EUR Monthly liabilities cannot exceed 100 EUR
Maximum monthly payment
0.00 EUR
0.00 EUR
Maximum leasing amount
The calculation of the calculator is only informative and each customer's situation is evaluated individually.
Apply

* A finance lease example: by purchasing a vehicle for 15 000 EUR, the down payment is 1500 EUR (10% of the purchase price) and a financing amount is 13 500 EUR. The interest rate is 2.49% + 3 months EURIBOR per year, the APR (Annual Percentage Rate) is 6.644%. The commission fee for processing the agreement is 225.00 EUR. The monthly leasing payment over a 60 month lease period is 260.70 EUR. The total sum to be paid (excluding down payment) - 15 866.74 EUR. When calculating the APR, it is assumed that the initial interest rate is maintained for the entire leasing (financing repayment) period and there are no late payments.

How does EURIBOR impact finance lease and operative leasing (hire) payments?

  • EURIBOR (European Interbank Offered Rate) is the average European interbank rate for a set period. An interest rate is comprised of a fixed part and a variable part, which is the EURIBOR rate. Citadele offers its customers a three- or six-month EURIBOR rate. This means that the variable part of the interest rate is fixed for a period of three or six months. If the EURIBOR rate increases within those three or six months, then your leasing or rental payment will also increase at the end of the period.
  • Considering these changes to interest rates and monthly payments, it is important to evaluate whether you will be able to fulfil your obligations if your monthly payment increases. For example, if the loan amount is 30,000 EUR, an overall interest rate increase of 1 % means that the monthly interest payment will increase by around 26 EUR (around 255 EUR per year.) The larger the loan amount, the greater the impact of interest rate changes on your monthly payment.
  • If you already have a leasing agreement or you wish to sign a new agreement, you can calculate the impact of rate increases on your monthly payment in our leasing calculator.
EURIBOR rate

4 simple steps towards your own car

Step one.

Fill in an application

Fill in an application through the online bank or Leasing portal
Step two.

Get a reply within 2h

as well as the terms and conditions
Step three.

Sign the agreement

and make the down payment
Step four.

Re-register your car with CSDD

and sign up for a CASCO insurance policy
Step one.

Fill in an application

Fill in an application through the online bank or Leasing portal
Step two.

Get a reply within 2h

as well as the terms and conditions
Step three.

Sign the agreement

and make the down payment
Step four.

Re-register your car with CSDD

and sign up for a CASCO insurance policy

Specialists

Special offer

Attractive leasing offers on ex-lease assets!

  • 0% down payment on operate leasing.
  • No contract processing fee.
  • Leasing term up to 5 years.

Offer valid until February 1, 2026. When choosing financial leasing, the down payment starts from 10%.

Ex-lease assets

All vehicles

Looking for a new car?

When you purchase a vehicle from our auto partners, you will receive a valuable application consultation.

List of auto leasing partners

CASCO insurance for your car

  • Your CASCO policy will give you financial support in case of traffic accidents, vandalism or car theft.
  • Depending on the policy you choose, the insurer may offer free roadside assistance or even a courtesy car while yours is being repaired.
  • Sign a one-year CASCO policy and divide the premium into 12 payments at no additional cost.
  • When the CASCO policy nears its end, your broker will prepare and send you an offer for the next 12 months
Receive an offer

This insurance offer is in collaboration with Citadele subsidiary SIA "CL Insurance Broker".

Need help?

Get instant answers to your questions 24/7 from our website help tool: our virtual financial consultant, Adele.

The Annual Percentage Rate (APR) is the total cost of a finance lease expressed in the annual percentage of the amount of financing issued, including the total costs of the financing. APR is calculated in accordance with the Cabinet of Ministers Regulation No. 691 of 25.10.2016. "Regulations on Consumer Lending", assuming that: 

  • the lease agreement is valid from the day it is signed until the end of the term; 
  • the financing sum is issued in one payment; 
  • the interest rate valid on the day the agreement is signed applies for the entire lease agreement term; 
  • the customer (consumer) fulfils his obligations in accordance with the agreement. 

The costs of insuring and registering the leased object, as well as other costs not set by the financer, are not included towards the total cost of the lease when calculating APR.

APR is calculated for the benefit of the customer (consumer) and is for his information only. APR is not recalculated during the agreement validity term, including if the figures and amounts change. APR is calculated so that the customer (consumer) can compare different offers. 

You should return operate lease (rental) object to the buy-back agent named in the agreement. The object must meet the requirements stated in the agreement when it is returned.

When you sign a lease agreement, you will have the following up-front costs: first payment, commission fee for document processing, valuation fee (if you lease a used object), fee for registering the leased object with CSDD/VTUA, KASKO and OCTA insurance. 
Ongoing costs during the lease period: monthly lease payments, insurance, fuel and maintenance costs for the leased object. 

Yes, you need a valuation if you plan to lease a used car. You can submit a valuation after receiving an indicative offer from Citadele Leasing. To find out more on valuation options and confirmed appraisers, view our list of appraisers.

The total sum is made up of the financing sum and the total costs of the lease (including interest and commission fees). It is calculated on the day the agreement is signed in accordance with the current legislation of the Republic of Latvia. 

The total sum is calculated for consumers and is for their information only. It is not recalculated during the agreement validity term, including if the figures and amounts change. This means that actual costs may differ from the initial figure. 

You can set up a lease for cars registered in Latvia.

  1. The customer fills in an application through the Leasing Portal.
  2. Citadele Leasing prepares an indicative offer within 1-2 business days.
  3. The customer submits any additional documents requested (such as the seller's information or a car valuation,* among others). 
  4. Citadele Leasing decides on whether to issue financing and the terms of the transaction. 
  5. Citadele Leasing signs the agreement and any other documents necessary for the transaction. 
  6. The customer pays the first payment  as detailed in the agreement, and an administration fee.
  7. The customer re-registers the leased object in Citadele Leasing's name and takes out a KASKO insurance policy. If the leased object needs to be registered with CSDD/VTUA, then the customer also takes out an OCTA policy. If you do not yet have KASKO and OCTA policies, you can contact CL Insurance Broker. 

*Citadele Leasing's list of confirmed appraisers can be found here.

  1. Fill in a leasing application in the Leasing Portal or download an application form here. 
    Send your electronically-signed application to lizings@citadele.lv.
  2. Citadele Leasing will send you a solution by email for the continued financing of your rental object.

Invoice payment dates:

  • If you are a Citadele Leasing customer, the invoice must be paid on the last day of the month.
  • If you are a Citadele Factoring customer, the invoice must be paid on the 15th or 30th of the month, depending on what you selected when you signed the agreement.

To change the email address to which we send your monthly invoices, fill in the Application for email communications, sign it, and email it to lizings@citadele.lv or make changes in the Settings of the Leasing Portal in the Contacts section.

For legal persons, the application may only be signed by a person with signing authority or a duly authorized representative. Upon receipt of the application, the email address will be updated in the system.

The Annual Percentage Rate (APR) is the total cost of a finance lease expressed in the annual percentage of the amount of financing issued, including the total costs of the financing. APR is calculated in accordance with the Cabinet of Ministers Regulation No. 691 of 25.10.2016. "Regulations on Consumer Lending", assuming that: 

  • the lease agreement is valid from the day it is signed until the end of the term; 
  • the financing sum is issued in one payment; 
  • the interest rate valid on the day the agreement is signed applies for the entire lease agreement term; 
  • the customer (consumer) fulfils his obligations in accordance with the agreement. 

The costs of insuring and registering the leased object, as well as other costs not set by the financer, are not included towards the total cost of the lease when calculating APR.

APR is calculated for the benefit of the customer (consumer) and is for his information only. APR is not recalculated during the agreement validity term, including if the figures and amounts change. APR is calculated so that the customer (consumer) can compare different offers. 

You should return operate lease (rental) object to the buy-back agent named in the agreement. The object must meet the requirements stated in the agreement when it is returned.

When you sign a lease agreement, you will have the following up-front costs: first payment, commission fee for document processing, valuation fee (if you lease a used object), fee for registering the leased object with CSDD/VTUA, KASKO and OCTA insurance. 
Ongoing costs during the lease period: monthly lease payments, insurance, fuel and maintenance costs for the leased object. 

Yes, you need a valuation if you plan to lease a used car. You can submit a valuation after receiving an indicative offer from Citadele Leasing. To find out more on valuation options and confirmed appraisers, view our list of appraisers.

The total sum is made up of the financing sum and the total costs of the lease (including interest and commission fees). It is calculated on the day the agreement is signed in accordance with the current legislation of the Republic of Latvia. 

The total sum is calculated for consumers and is for their information only. It is not recalculated during the agreement validity term, including if the figures and amounts change. This means that actual costs may differ from the initial figure. 

You can set up a lease for cars registered in Latvia.

  1. The customer fills in an application through the Leasing Portal.
  2. Citadele Leasing prepares an indicative offer within 1-2 business days.
  3. The customer submits any additional documents requested (such as the seller's information or a car valuation,* among others). 
  4. Citadele Leasing decides on whether to issue financing and the terms of the transaction. 
  5. Citadele Leasing signs the agreement and any other documents necessary for the transaction. 
  6. The customer pays the first payment  as detailed in the agreement, and an administration fee.
  7. The customer re-registers the leased object in Citadele Leasing's name and takes out a KASKO insurance policy. If the leased object needs to be registered with CSDD/VTUA, then the customer also takes out an OCTA policy. If you do not yet have KASKO and OCTA policies, you can contact CL Insurance Broker. 

*Citadele Leasing's list of confirmed appraisers can be found here.

  1. Fill in a leasing application in the Leasing Portal or download an application form here. 
    Send your electronically-signed application to lizings@citadele.lv.
  2. Citadele Leasing will send you a solution by email for the continued financing of your rental object.

Invoice payment dates:

  • If you are a Citadele Leasing customer, the invoice must be paid on the last day of the month.
  • If you are a Citadele Factoring customer, the invoice must be paid on the 15th or 30th of the month, depending on what you selected when you signed the agreement.

To change the email address to which we send your monthly invoices, fill in the Application for email communications, sign it, and email it to lizings@citadele.lv or make changes in the Settings of the Leasing Portal in the Contacts section.

For legal persons, the application may only be signed by a person with signing authority or a duly authorized representative. Upon receipt of the application, the email address will be updated in the system.

Leasing/loan

Service Price1
Review of application Free of charge
Preparation of documents for a leasing/rental transaction 1.50% - 1.85%2 of the purchase price of the object, but not less than 150 EUR3
Preparation of documents for refinancing liabilities in another financial institution as agreed
Renewal of agreement on client’s initiative4 90 EUR

1 The price is indicated with VAT.

2 Depending on the type of transaction.

3 If transaction documents are signed in paper format, an additional EUR 50 will be applied.

4 If the process of alienation of the lease/rental object has not been initiated.

Amendments to the agreement

Service Price1
Preparation of amendments to the agreement, payment schedule and other documents 95 EUR
Cancellation of documents and amendments to the agreement, prepared on the basis of the client's application 35 EUR

1 The price is indicated with VAT.

Other Services

Service Price1
Preparation of sublease agreement 75 EUR
Preparation of contracts and other documents based on client's application 150 EUR
Preparation of a statement on the absence of debts 25 EUR
Preparation of all types of statements, consents, certificates, reports and other documents at the client's request 45 EUR
Preparation of statements, powers of attorney and other documents requested by the client in an expedited manner 75 EUR
Production of a copy, duplicate, transcript, extract and resending the electronically signed document at the customer's request 25 EUR
Verification of power of attorney 15 EUR
Preparation of a power of attorney (including the preparation of a trade transfer permit) 25 EUR
Preparation of documents in a foreign language upon client’s request As agreed
Final invoicing to a third party 95 EUR
Sending documents by post 25 EUR + actual costs
Inspection of lease/rental object before the conclusion of the transaction2 at the client's/cooperation partners place or at AS "Citadele banka" branch3 and inspection of the object of lease/rental object during the term of the contract 50 EUR + actual costs
Preparation of debt repayment agreement 50 EUR
Cancellation of the requested final invoice (if the final invoice has not been paid in full within the specified deadline) 35 EUR
Invoicing to the client for any payments made in place of the leasing company's client (including penalties) 25 EUR
Marking of marks in the Road Traffic Safety Directorate/State Technical Supervision Agency registry up to 15 EUR
Administration of OCTA insurance4 3 EUR monthly

1 The price is indicated with VAT.

2 The commission fee for the inspection of the lease/rental object is applied regardless of whether the financing is granted and the transaction is completed. The inspection report is intended for internal use only and is not issued to the client. It is necessary to agree on the inspection possibilities in advance with the representative of the leasing company.

3 For the lease/rental object with purchase price up to 100 000 EUR.

4 Not applicable for Citadele Factoring leasing services.

See full price list

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