Business green car leasing
Financial leasing for companies buying new low-emission cars or new and used zero-emission cars.
Beskrivningen av den här finansieringen finns för närvarande på engelska.
Your company pays the car’s purchase price and interest over the lease period, and becomes its owner once the financial obligations are fulfilled.
For zero-emission cars, the advertised interest margin starts at 1.49% plus six-month Euribor, with Euribor treated as at least zero. Euribor is the variable reference rate added to the bank’s margin. The contract can run for up to six years. The agreement formation fee starts at 1% of the vehicle’s value, with a minimum of €200.
Eligibility
- New or used cars must have CO₂ emissions of 0 g/km for the zero-emission terms. New cars with emissions of 1–95 g/km also qualify for special leasing conditions. Emissions are measured under WLTP, the vehicle test standard used for the car’s CO₂ figure; check the car’s WLTP emissions label.
- Passenger and commercial vehicles up to 3.5 tonnes are covered. Financing starts at €10,000, and the car must be no more than 15 years old when the lease ends.
- The initial payment starts at 10%. A smaller initial payment may be available through the European Investment Fund (EIF) InvestEU Micro Guarantee, which helps the bank finance businesses without sufficient collateral—assets pledged to secure the financing. This guarantee option is for businesses in Lithuania, Latvia or Estonia with up to nine employees and more than 12 months of operations. Their annual turnover or total assets shown on the balance sheet must be no more than €2 million. The maximum leasing amount under this guarantee is €500,000 per company. Request it from your bank contact or in the application.
- The car must have comprehensive vehicle insurance, called Casco, and compulsory third-party liability insurance. If you buy Casco elsewhere, send Swedbank a copy of the policy.
- No special permission is needed to use the vehicle in Lithuania or the EU. For travel to other countries, submit a permission request and ensure your Casco insurance covers those countries.
How to apply
- Status
- Öppet löpande
Submit the leasing application through Swedbank online banking or at a vehicle seller, and sign the agreement in business online banking to receive the special terms.
A bank-acceptable valuation is required when buying from a seller outside Swedbank’s acceptable sellers list; Swedbank can instead assess the vehicle’s value itself for an additional €90 fee. This may require delivering the car for inspection in Vilnius, Kaunas or Klaipėda; in other cases, the bank may specify another valuation procedure. Pay the initial deposit and agreement formation fee, register the car with Regitra, and arrange the required insurance.
After completing financial leasing and receiving Swedbank’s end-of-contract statement, declare the change of vehicle ownership with Regitra within five working days.