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Leasing

Whether you desire a car, van or a motorcycle – Coop Pank leasing will surely meet your needs. Choose vehicle you desire and fill in the leasing application online, in a bank branch, or at the vehicle dealership. We will make sure to respond with an offer quickly!

Leasing calculator

10000

... ...

60 months

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%
or
%
or
Flexible solutions
to bring your
ideas to life!

0

Monthly payment is calculated on the basis of an average annual interest rate of 3.7%. The calculation is approximate and may differ from the terms and conditions offered to you.

Interest from
3,7%
Downpayment
0%
Amount from
5000
Period up to
72 months

Leasing with 0% downpayment

With Coop Pank’s leasing, both new and used cars may now be leased with a 0% downpayment and 3,7% interest!

Accessible everywhere

You can submit the application any time online, at the nearest bank branch, or at the vehicle dealership. However, if you would like to consult our leasing administrator before you fill in the application, contact us on 669 0937 and let us discuss your leasing matters.

Quick and easy

Submitting the application is simple and we will quickly respond with an initial offer. We are able to provide you professional advice on how to get the vehicle quickly and find the best insurance deals.

Flexible terms and conditions

If you wish to change the leasing term or amount, register your operating lease as a financial lease or agree on other terms and conditions, please feel free to contact us. We will find the best solution for you.



Apply now

Our leasing offers

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€146 per month
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€196 per month
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€197 per month
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€205 per month
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€224 per month
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€261 per month
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€340 per month
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€469 per month

More information

Anna Mineeva

Anna Mineeva
anna.mineeva@cooppank.ee

Merle Lepik.png

Merle Lepik
merle.lepik@cooppank.ee

Jelizaveta Slessareva.png

Jelizaveta Slessareva
jelizaveta.slessareva@cooppank.ee

Kaire Järvamägi

Kaire Järvamägi
kaire.jarvamagi@cooppank.ee

Kaja Kruusmaa

Kaja Kruusmaa
kaja.kruusmaa@cooppank.ee

 

 

 

 

 

  Leasing Small leasing
Lease amount From €5000 (incl. VAT) Up to €10 000 (incl. VAT)
Interest rate The interest rate from 3,7%,
linked to the 6 months’
EURIBOR
From 8%

 
Vehicle age Not more than 16 years
at the end of the
leasing term
Not more than 20 years
at the end of the
leasing term
Downpayment From 0% From 0%
Leasing term Up to 6 years Up to 6 years
Insurance Motor own damage
insurance
is mandatory

Coop Pank’s insurance
partners

Motor own damage
insurance
is recommended

Agreement fee 1% of the acquisition cost
(minimum of €180)
1,5% of the acquisition cost
(minimum of €99)
  • An applicant must be at least 21 years old and an Estonian citizen or a foreign national holder of a residence permit
  • Income has to be proven, regular and capable of being checked
  • The monthly payment of the leasing sought, together with the other existing obligations, may account for up to 40% of the net income in total
  • Leasing may be guaranteed by a spouse or life partner, in which case the earnings of both are taken into account

Documents required to apply for leasing

  • Leasing application
  • Certified full account statements for the past 6 months (except for a Coop Pank account)
  • If needed, other documents proving earnings (tenancy agreements and the like)
  • In the case of a guarantee by a private individual, guarantor data form and a certified bank account statement for the past 6 months
  • Vehicle sales quote (also a valuation report in the case of a used vehicle)

To purchase a transport vehicle, you may choose between operational leasing and financial leasing.

  • In the case of financial leasing, the cost of the vehicle plus interest are paid during the leasing term, with ownership of the vehicle acquired upon expiry of the leasing term.
  • In the case of operational leasing, use of a car is paid for. Operational leasing involves the car seller’s (that is, car dealer’s) obligation to buy back the vehicle at its residual value upon expiry of the leasing period. If desired, there is the option of also buying the car outright or extending the agreement on the terms and conditions of financial leasing.

Financial lease
The provisional annual percentage rate of charge is 4.06% on the following sample terms: price of asset inclusive of value-added tax €15 000, loan term 5 years, number of repayments 60, downpayment 0%, agreement fee €180, interest 6 months’ EURIBOR + margin 3.5% per annum (as at 11 March 2019, the 6 months’ EURIBOR was -0.232% per annum; in the case of a negative EURIBOR, the value of EURIBOR is considered to be 0; EURIBOR may change every 6 months), leasing amount €12 500.00 , last payment 30% of the acquisition cost, total cost of credit €12 134.97 and total of repayments €11 954.97.
The rate is calculated on the assumption that the principal and interest will be repaid in monthly annuity payments. Possible asset registration costs, state fees, valuation report fee and the amount of vehicle insurance or motor third party liability insurance are not allowed for in the sample conditions. When leasing is sought, additionally motor own damage insurance and motor TPL insurance have to be taken out. Leasing is provided by Coop Liising AS.

Operational lease
The provisional annual percentage rate of charge is 3.98% on the following sample terms: price of asset inclusive of value-added tax €15 000, loan term 5 years, number of repayments 60, downpayment 0%, agreement fee €180, interest 6 months’ EURIBOR + margin 3.5% per annum (as at 11 March 2019, the 6 months’ EURIBOR was -0.232% per annum; in the case of a negative EURIBOR, the value of EURIBOR is considered to be 0; EURIBOR may change every 6 months), leasing amount €15 000.00, last payment 30% of the acquisition cost, total cost of credit €16 912.26 and total of repayments €16 732.26.
The rate is calculated on the assumption that the principal and interest will be repaid in monthly annuity payments. Possible asset registration costs, state fees, valuation report fee and the amount of vehicle insurance or motor third party liability insurance are not allowed for in the sample conditions. When leasing is sought, additionally motor own damage insurance and motor TPL insurance have to be taken out. Leasing is provided by Coop Liising AS.

A guarantee is a promise to fulfil a financial obligation of another person or company (borrower) instead of them. Provide a guarantee only for a person or company whom you know and trust.

Do not forget! A guarantee is your obligation to ensure the performance of the agreement being guaranteed.

Since you are assuming a financial obligation with a guarantee, it always makes sense to ask a specialist for advice.

Before you provide a guarantee

  • Consider carefully whether you would be able to meet your obligations
  • Assess your solvency carefully and provide a guarantee only in the amount you are able to pay (maximum rate of guarantor liability).
  • Review carefully the drafts of the guarantee agreement and the loan agreement.
  • Do not hesitate to contact a bank staff member to find answers to any questions that have come up.

When you are about to sign a guarantee agreement

  • Listen very carefully to the explanations of the bank staff member about both the loan agreement and the guarantee agreement.
  • Do not be hesitate to ask if anything remains unclear.
  • Check to make sure that your contact details (address, telephone number, e-mail address) in the guarantee agreement are correct.

Once a guarantee agreement has been signed

  • Be proactive and take an interest in how the performance of the loan agreement is proceeding. If the borrower does not reply to your questions, make sure to contact the bank.
  • Always communicate any changes in your contact details (address, telephone number or e-mail address). Only in this way you can be certain that the necessary information will reach you.
  • Carefully review any notices sent by the bank and make sure to collect any registered letters.

The borrower is unable to meet their obligations

  • The bank will contact you and provide you with an opportunity to fulfil the obligation.
  • Do not forget that you have assumed an obligation and have to fulfil the obligation instead of the borrower.
  • By paying the debt, you can avoid incurring further costs and litigation in court.
  • You are entitled to require the borrower to indemnify any amounts paid by you.

Guarantor data form

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Elke Mustakivi AS Eurostauto OÜ Fakto Auto AS
Inchcape Motors Estonia OÜ Inchcape Motors Estonia OÜ Paldiski mnt Mariine Auto AS Tallinn
Moller Auto Tallinn OÜ Mustamäe Moller Auto Tallinn OÜ Ülemiste Moneklar OÜ
Nordauto Grupp OÜ Reval Auto Esindused OÜ Roheline Laine OÜ
Silberauto Eesti AS Järve Silberauto Eesti AS Ülemiste Silberauto AS Maardu
SKO Motors OÜ Topauto AS United Motors AS Peetri
Veho Eesti AS Laagri Veho Eesti AS Paldiski mnt Veho Eesti AS Sõpruse pst
Viking Motors AS Viking Motors AS Ülemiste ValueExpert OÜ
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Aasta Auto AS Aasta Auto Pluss AS Amserv Auto AS Tähe esindus
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Mariine Auto AS Tartu Silberauto Eesti AS Tartu esindus Tauf Auto OÜ
Tehase Auto OÜ Topauto Tartu AS Veho Eesti AS Tartu
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Autoesindus OÜ Inchcape Motors Estonia OÜ Mariine Auto AS Jõhvi
Silberauto Eesti AS Jõhvi esindus    
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Kuressaare Autoteenindus ML Autoservice Reval Auto Esindused OÜ Kuressaare
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NARVA    
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PAIDE    
Amserv Paide    
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Import Auto AS Mariine Auto AS Topauto Pärnu OÜ
Moller Auto Pärnu OÜ Reval Auto Esindused OÜ Silberauto Eesti AS Pärnu
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Elke Rakvere AS Rakvere Autotehnika OÜ Silberauto Eesti AS Rakvere esindus
Wiru Auto OÜ    
VILJANDI    
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