Car lease

Danske Bank helps your business to quickly and comfortably purchase a suitable car, van or small bus. You may lease both new and used vehicles.

What we can do for you?

Call us at 6 800 800 or contact your Relationship Manager.
Let's discuss your needs and find the best solution to your company.

Financial lease

With a financial lease you pay the full price of the vehicle plus interests over the leasing period. When the agreement expires, you become the owner of the vehicle.


Financed amount: €5,000 or more
Interest rate: variable or fixed
Leasing period: up to 5 years
Down payment: 10% or more of purchase price
Age of vehicle at end of rental period: up to 10 years 

Operating lease

An operating lease gives you use of a vehicle for an agreed time and you return the vehicle at the end of the leasing period. The vehicle must be in good condition and should only show signs of normal wear at return.


Financed amount: €5,000 or more
Interest rate: variable or fixed
Leasing period: up to 5 years
Down payment: 10% or more of purchase price
Age of vehicle at end of rental period: up to 10 years

More about car lease

  • How to apply

    A lease is a fast and convenient way to purchase a car. You have three options:

    • Complete a lease application and we will contact you.
    • Visit your most conveniently located Danske Bank office.
    • Fill in the lease application at a car sales dealership, where a sales representative will help you complete all the steps from filling out the application to getting your car.

    Required documents

    • Lease application
    • Personal identification document
    • Audited annual report of the previous year, financial statements of the latest quarters (balance sheet and income statement)
    • Sales quote, value assessment or invoice from car seller

    A relationship manager will contact you if any additional documents are needed.

  • Insurance

    In order to fully manage your risks you need to sign motor insurance and casco insurance agreements in addition to your lease agreement.

    Motor third party liability insurance is mandatory insurance that compensates damages you have caused to third parties.

    Casco insurance compensates damages not covered by mandatory insurance in case of an accident: traffic accidents, natural disasters, fires, vandalism, robbery, theft. You can add roadside assistance services to your casco insurance agreement to cover other unexpected situations: a broken tyre, problems starting the engine etc. There are various other supplementary insurance covers to choose from.

    The leased vehicle must be insured at a bank-approved insurance provider, while taking into account the insurance criteria.

    IIZI Kindlustusmaakler, our partner, provides you with insurance offers from the following insurance providers:

    • If P&C Insurance
    • BTA Insurance
    • Seesam Insurance
    • Salva Insurance
    • Gjensidige Insurance
    • ERGO Insurance SE
    • Inges Insurance (only Motor third party liability insurance)
    • AB “Lietuvos draudimas” Estonian branch (PZU)
    • Compensa Vienna Insurance Group, UADB Estonian branch

    If you get your insurance through IIZI Kindlustusmaakler we will also offer you the following additional benefits:

    • You can make your monthly casco and mandatory motor insurance payments with your lease payments. No VAT added to your insurance payments.
    • IIZI Kindlustusmaakler will let you conveniently renew your insurance policies during the leasing period.
    • In case of a loss event you can get help from IIZI Kindlustusmaakler at 16660.

  • Vehicle use autorisation

    In addition to insurance you will also need authorisation to use the vehicle in order to avoid complications in traffic, when crossing borders and handling accidents. Please fill in the authorisation request and send it to to receive your authorisation document. Find out more by calling us at 6 800 800 (Mon-Fri 8:30-17:30).

    Vehicle use authorisation requirements

    • Estonia: you do not need authorisation to use your vehicle. If the person using the vehicle is not listed on the registration certificate, they need to carry the registration certificate with them when using the vehicle.
    • European Union: always carry the registration certificate with you. An authorisation is recommended if the driver is not listed on the registration certificate. You may be asked for an authorisation document along with vehicle documentation at border crossing in the Republic of Estonia and the European Union, but also in the case of traffic accidents and insurance cases.
    • Outside the EU and CIS countries (Russia, Belarus, Ukraine, Armenia, Azerbaijan, Kazakhstan, Kyrgyzstan, Moldova, Tajikistan, Uzbekistan, Georgia) you need a certified authorisation even if the driver is listed on the registration certificate as the main user or user of the vehicle. You also need the registration certificate and the Green Card. You will need to purchase additional coverage for the area (country) you are visiting in addition to your casco insurance.

    Authorisation will be granted if the purchased insurance is valid on the territories of the countries to be visited.

    The need for additional insurance protection in the European Union and in other countries will depend on the terms and conditions of the motor and casco insurance policies of the vehicle. It is always recommended to have the Green Card with you when driving abroad.

    For additional insurance coverage contact IIZI Kindlustusmaakler at 666 0300 or by e-mail at

  • Partners


     Aasta Auto AS Tartu
     Aasta Auto Pluss AS Tartu
     ABC Motors AS Tallinn
     Agdeck-Auto AS Narva, Jõhvi
     AGR Autokeskus OÜ Tallinn
     Albion Motors OÜ Narva
     Amserv Auto AS Tallinn, Tartu, Paide, Viljandi, Pärnu
     Ascar Auto AS Tallinn, Pärnu, Tartu
     Auto 100 AS Tallinn
     Auto 100 Tallinn AS Tallinn
     Auto Forte Tallinn OÜ Tallinn
     Autoesindus OÜ Jõhvi
     Autolink OÜ (E-autoline) Tallinn
     Autospirit OÜ Tallinn
     Autowelt Baltic OÜ Tallinn


     Balti Realiseerimiskeskus OÜ (BRC Autokeskus) Tallinn


     Carring AS Tartu
     Catwees OÜ Tallinn, Tartu, Pärnu
     City Motors AS Tallinn, Tartu


     Elke Auto AS Tallinn
     Eurostauto OÜ Tallinn, Pärnu


     Fakto Auto AS Tallinn


     Hat-Auto AS Rakvere


     Import Auto OÜ Pärnu
     Inchcape Motors Estonia OÜ Tallinn
     Info Auto AS Tallinn, Tartu, Pärnu

     LX Motors OÜ Viljandi


     Mariine Auto AS Tallinn, Tartu, Jõhvi, Pärnu
     MDM Auto OÜ Pärnu
     Metro Auto OÜ Tallinn
     Moller Auto Pärnu OÜ Pärnu
     Moller Auto Tallinn OÜ Tallinn
     Moller Auto Viljandi OÜ Viljandi
     Moller Auto Viru OÜ Jõhvi
     Moneklar OÜ Tallinn
     Mustakivi Auto OÜ Tallinn


     Pereauto OÜ Pärnu
     Pilot Motors OÜ Tallinn


     Rael AS Viljandi
     Rakvere Autotehnika OÜ Rakvere
     Renneks Kaubandus OÜ Tallinn
     Reval Auto Esindused OÜ Tallinn, Pärnu, Kuressaare
     Ropka Autopood OÜ Tartu

     Silberauto AS Tallinn, Maardu, Tartu, Pärnu, Rakvere, Kuressaare, Viljandi, Jõhvi
     Siller Auto OÜ Viljandi


     Tauf Auto AS Tartu
     Tehase Auto OÜ Tartu
     Topauto AS Tallinn
     Topauto Tartu AS Tartu

     Unelmauto AS Tallinn
     United Motors AS Tallinn, Peetri, Tartu, Kohtla-Järve, Pärnu

     Veho Eesti AS Tallinn, Laagri, Tartu
     Viking Motors AS Tallinn


     Wiru Auto OÜ Rakvere


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