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Leasing

Whether you desire a car, van, ATV 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!

You can get a new vehicle from the Coop leasing e-shop with good equipment and favorable conditions. See offers here.

Leasing calculator

10000

... ...

60 months

... ...

%
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 2.9%. The calculation is approximate and may differ from the terms and conditions offered to you.

Downpayment
0%
Interest from
2,19%
Period up to
72 months

Green leasing

Together, we are taking steps towards a greener future. To this end, we offer even better conditions for buying greener electric and hybrid cars.
 

See more

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

More information

  Leasing
Lease amount From €5000 (incl. VAT)*
Interest rate From 1,99% + 6 months’
EURIBOR
Vehicle age Not more than 16 years
at the end of the
leasing term
Downpayment From 0% **
Leasing term Up to 6 years
Insurance Casco insurance for vehicles with purchase price up to 10 000 euros is not mandatory but recommendable.

Coop Pank’s insurance
partners
Agreement fee 1% of the acquisition cost
(minimum of €190)

* Car lease in the amount of €5000 applies only when the seller is an official cooperation partner of Coop Liising. In case of other sellers the minimum amount is €10 000
** Costing up to € 25,000

  • An applicant must be at least 21 years old and an Estonian citizen or a foreign national holder of a residence permit
  • Monthly income from €600. Income has to be regular and proven
  • 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
  • Digitally signed account statements in bdoc or asice format 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 11,65% on the following sample terms:

  • price of asset inclusive of value-added tax €30 000,
  • downpayment €3000
  • loan term 5 years,
  • number of repayments 60,
  • agreement fee €250,
  • interest 6 months’ EURIBOR + margin 2.5% per annum (as at 07. March 2023, the 6 months’ EURIBOR was 3,418% 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 €22 500.00,
  • last payment 35% of the acquisition cost,
  • total cost of credit €21 498.06 and
  • total of repayments €24 498.

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 9.51% on the following sample terms:

  • price of asset inclusive of value-added tax €17 000,
  • loan term 6 years,
  • number of repayments 72,
  • downpayment 0%,
  • agreement fee €190,
  • interest 6 months’ EURIBOR + margin 3.7% per annum (as at 01 February 2023, the 6 months’ EURIBOR was 2,832% 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 €17 000.00,
  • last payment 25% of the acquisition cost,
  • total cost of credit €16 557.02 and
  • total of repayments €16 747.02.

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

TALLINN    
ABC Motors AS Amserv Auto AS Järve esindus Amserv Auto AS Sõpruse esindus
Ascar Auto AS Auto 100 Tallinn AS Auto Forte Tallinn OÜ
AutoHalle Laagri AutoHalle Peetri AutoHalle Rocca
Autolink OÜ Autospirit AS Autotest OÜ
Autowelt Baltic OÜ Catwees OÜ Tallinna keskus City Motors AS Laagri esindus
Elke Mustamäe AS Elke Mustakivi AS Eurostauto OÜ
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 SKO Motors OÜ Topauto AS
United Motors AS Peetri ValueExpert OÜ Veho AS Järve
Veho AS Maardu Veho AS Ülemiste Viking Motors AS Ülemiste
TARTU    
Aasta Auto AS Aasta Auto Pluss AS Amserv Auto AS Tähe esindus
Autospirit Tartu OÜ Carring AS Catwees OÜ Tartu keskus
City Motors AS Tartu esindus Inchcape Motors Estonia OÜ Mariine Auto AS Tartu
Tauf Auto OÜ Tehase Auto OÜ Topauto Tartu AS
Veho AS Tartu    
HAAPSALU    
Aktronte Grupp OÜ Tradilo OÜ Uuemõisa Autokeskus
JÕHVI/KOHTLA-JÄRVE    
Autoesindus OÜ Mariine Auto AS Jõhvi  
KURESSAARE    
Kuressaare Autoteenindus Tesman Auto OÜ Warma Auto OÜ
     
NARVA    
Moller Auto Viru OÜ Elke Narva OÜ  
PAIDE    
Amserv Paide    
PÄRNU    
Amserv Pärnu Catwees OÜ Pärnu keskus Import Auto AS
Mariine Auto AS Moller Auto Pärnu OÜ Topauto Pärnu OÜ
Veho AS Pärnu esindus    
RAKVERE    
Elke Rakvere AS Rakvere Autotehnika OÜ Veho AS Rakvere esindus
Wiru Auto OÜ    
VILJANDI    
Amserv Viljandi Folk Auto OÜ LX Motors OÜ
Siller Auto OÜ    
VÕRU    
Cars.ee OÜ    

Upon entry into the lease agreement, the Lessee can enter into an agreement on a payment of the fee related to the insurance of the lease payment and use the insurance cover offered by If Kindlustus.

Lease payment insurance helps if:

•    you lose the capacity for work as a result of an accident or illness;
•    you lose your job;
•    you have been temporarily away from work due to your own or your child’s illness.

In the event of the Lessee’s death, insurance will pay the lease balance to the Lessor so that the obligation will not transfer to the heirs.

Read the.information leaflet and insurance terms and conditions.

•    What should I do in the case of an insured event?

The claim must be submitted as soon as possible on the If Kindlustus website. You must enter ‘Coop Liising’ in the policy number field.

You will be contacted and instructed on what to do next.

•    Example of expenses related to lease payment insurance

Lease payment insurance means an additional monthly expense. Example: vehicle cost €15,000, contract period 60 months, initial deposit 10%, residual value 30%, interest rate 3.7% per year. Monthly lease payment €180.95, monthly lease payment insurance fee €11.93.
 

Interest from 1.99%* + 6 months Euribor for new and used cars with CO2 emissions not exceeding 95 g/km.

Interest from 2.20%* + 6 months Euribor for new and used cars with CO2 emissions of 95–130 g/km.

*This offer applies to the financing of new vehicles and vehicles up to 1 year which are being sold by a partner of Coop Liising AS. A list of our partners can be found here.