Car Lease Calculator
Simulate your car lease payment — enter the vehicle price, down payment, term, and interest rate. Compare financial vs. operational leasing and view the full amortization table.
Lease Parameters
Amount paid at the end of the contract to become the owner
Simulation Results
Monthly Payment Chart
Amortization Table
| Month | Payment | Principal | Interest | Remaining Balance |
|---|
Financial vs Operational Leasing
Financial Leasing
- ✓ Vehicle becomes your property at the end
- ✓ Minimum down payment 10-20% of vehicle price
- ✓ VAT recoverable for companies (paid with each installment)
- ✓ Fixed or variable interest rate (EURIBOR 3M + margin)
- ! CASCO + RCA insurance is your responsibility
- ! Service and maintenance at your expense
Operational Leasing
- ✓ Includes CASCO, RCA, service, tires, ITP
- ✓ Single monthly invoice — everything included
- ✓ Ideal for fleets and companies
- ✓ Fully deductible expense
- ! Higher monthly payment (includes services)
- ! Return the vehicle at the end (or pay the residual)
Car Leasing Tips
Compare APR, not the nominal interest rate. APR (Annual Percentage Rate) includes all costs: fees, mandatory insurance, administration fee. Two offers with the same interest rate can have very different APRs.
Pay attention to the residual value. A low residual = higher payments but you pay less at the end. A high residual = low payments but the final amount can be significant (20-30% of the initial price).
Check for hidden costs. Processing fee (1-2%), analysis commission, AEGRM registration fee, GAP insurance — can add 3-5% to the total cost.
Negotiate the vehicle price separately. Get the best cash price from the dealer before discussing financing. The dealer receives a commission from the leasing company, so the cash price may be lower.
EURIBOR 3M affects the payment. If you choose a variable interest rate (EURIBOR 3M + margin), the payment adjusts quarterly. Check the EURIBOR page for current rates.
Car Leasing Romania 2026
Leasing Companies Romania
Required Documents
Individuals:
- • ID card/passport
- • Income certificate / pay slips (3 months)
- • Bank statement (3 months)
- • Vehicle proforma invoice
Legal entities:
- • CUI + registration certificate
- • Balance sheet + trial balance (last year)
- • Administrator ID card
- • Vehicle proforma invoice
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