The easiest way to buy a vehicle You will get an answer to your application in less than one business day, no down payment or casco insurance is required, and the vehicle will immediately belong to you

We will transfer the amount of auto24 leasing to your settlement account not later than on the next business day after signature of the contract and completion of identification. After that you can conclude the contract of sale with the seller. All actions related to purchase of the vehicle will have to be performed by you. For example, the change of the owner of the vehicle will have to be registered with the Estonian Road Administration within 7 days following the purchase of the vehicle. We strongly advise you to read useful tips when purchasing a vehicle published by the Consumer Protection Board. The most convenient way to conclude the purchase and sale transaction is to conclude it thee-service environment of the Estonian Road Administration.

Yes, documents regarding purchase and sale of the vehicle must be submitted to Inbank not later than within 7 days after transfer of the amount of auto24 leasing. After that Inbank will establish a registered security over the vehicle, which means that we will have the right to demand sale of the vehicle if you experience difficulties with repayment of auto24 leasing. If you do not present the required documents within 14 days, the bank has the right to unilaterally change the terms and conditions of the leasing contract, increasing the interest rate by the amount stated in the contract. The changes result in application of the contract change fee.

Since the amount of auto24 leasing is transferred directly to your settlement account, and you conclude the contract of sale directly with the seller, the vehicle belongs to you as during the effective period of the contract, so after its expiry. Inbank establishes a registered security over the vehicle until the end of the loan period, which means that we will have the right to demand sale of the vehicle if you experience payment difficulties. If you want to sell the vehicle yourself, you must inform our customer support thereof in advance.

We recommend to choose a vehicle using our partner portal auto24 which provides the biggest choice of offers in Estonia. If you choose a vehicle from auto24.ee, mototehnika.ee or veetehnika.ee portal, you will instantly see the amount of a monthly payment of auto24 leasing next to the ad. By clicking on it you will be able to immediately start competing the application. If you cannot find a suitable vehicle on those portals, you can still apply for a loan on the auto24 car leasing website .

auto24 leasing does not require conclusion of a Casco insurance contract. Still, we advise to do that, because such insurance allows to mitigate risks of the most common types of damage, no matter who the responsible party was. Still, the motor third party liability insurance contract must be concluded for the vehicle.

auto24 leasing offers many advantages that allow you to buy exactly the vehicle that you are looking for:

• You will receive an answer to your application within one business day.
• No down payment is required.
• Casco insurance is not required.
• Monthly payments are affordable – the interest rate is from 4.9% + 6 months’ EURIBOR per year, and the repayment period is from 24 to 96 months.
• There are no limitations on the age of the vehicle.
• In case of standard leasing the vehicle during the leasing period belongs to the lessor, however, in case of auto24 leasing the vehicle will immediately belong to you.
• No presentation of a valuation report or the vehicle itself is required for conclusion of the contract.

You can apply for auto24 leasing for purchase of cars, vans, motorbikes, minibuses and other vehicles.

The interest rate of auto24 leasing can be between 4.9%-8.9% + 6 months’ EURIBOR per year. The exact interest rate depends on the personal offer made to you, which you can review immediately after submitting your application. The loan repayment period is from 2 to 8 years.

The amount of auto24 leasing can be between 15,000 and 40,000 euros. The sale price of the vehicle is not limited - you can buy a vehicle the price of which exceeds the loan amount. We require no down payment.

Yes, auto24 leasing can be repaid in part or in full before expiry of its period. In order to do that, please submit a respective request at the address info@inbank.ee, which states the date when you want to repay the amount of auto24 leasing. After that we will communicate to you the final amount that will have to be paid on that date. Terms and conditions of early repayment can be found in the Pricelist of Inbank.

Upon the end of the period of auto24 leasing you will have to pay to the bank together with the last monthly payment the residual value of the car, the amount of which is 25% of the initial loan amount. The residual amount can be paid together with the last partial payment, however, if you do not wish to do that, we can conclude a new loan contract for payment of the residual amount in instalments for a period of 6-72 months.

Yes, the payment date can be changed. In order to do that you must submit a request to address info@inbank.ee. The payment date change fee can be found in the Pricelist of Inbank.

Yes, if necessary you can apply for a grace period. In order to do that you must submit a request to the address info@inbank.ee. Continuous length of one grace period is up to three months. If you want to use a grace period again, all loan and interest payments for the previous three months must be paid. During the effective period of the contract a grace period can be taken not more than two times and for a total length of six months within the period of auto24 leasing. An exact length of the grace period and its conditions are established taking the needs and possibilities of the customer into account.

If a loan payment was not transferred to us by the payment due date, we will send a reminder of the payment due date via text message. Delay of payment results in additional expenses, and a late payment penalty is applied to the delayed payment. You can find the fees related to delay of payment in your contract and in the Pricelist of Inbank. If you foresee long-term difficulties with loan payments, please definitely contact Inbank, so that together we could find a flexible solution.

Irrespective of the reasons for difficulties with payments, Inbank wants to meet the needs of its customers in any situation, offering the most flexible solution possible. Therefore, please make sure that you immediately notify us of any difficulties with loan payments. For example, it may be possible to take a grace period or extend the payment period, which will mean lower monthly payments. Please note that if Inbank’s customers experience payment difficulties, the bank has the right to demand forced sale of the vehicle.

We will submit to you monthly invoices which you will find in the Internet bank of your bank. E-mails will be sent for payment from the account which you chose for transfer of the amount of auto24 leasing. For convenient payment we recommend to conclude a contract for standing payment service. Invoices are to be paid to the bank account of Inbank in SEB bank. An invoice is considered as paid if it was paid with a correct reference number which you will find in your contract or on your e-invoice.

Inbank calculates interest starting from the transfer of the loan amount. Therefore, the amount of the invoice for the first period may be smaller than the amount stated in the payment schedule.