What will be leased in: from passenger cars to agricultural machinery

Leasing has long ceased to be exotic - today it is one of the most popular ways to purchase a car, special equipment or equipment without one-time costs. But if 10 years ago mostly commercial vehicles were leased, now the list of available assets has expanded to passenger cars for individuals, electric cars, and sometimes even yachts or airplanes. At the same time, the rules of the game for each type of property are radically different: in some places you will need a down payment of 30%, and in others you can get by with 5%.

In this article we will look at current list for 2026 of what can actually be leased in Russia, taking into account changes in legislation (for example, new requirements for lessors from January 1, 2026) and market trends. We will pay special attention cars - from budget Lada Granta up to bonus Mercedes-Benz S-Class — and we will also reveal the nuances of leasing for Individual entrepreneurs, self-employed and legal entities. Plus you will find out what assets banks and leasing companies will never agree, even despite high demand.

1. Passenger cars: which cars will be leased in 2026

Passenger cars are the most popular leasing segment among individuals. According to Association of Russian Leasing Companies (ARLC), they account for 42% of all transactions with individuals. But not all models are equally available: lessors have strict requirements for age, mileage and even blossom car (yes, this is not a joke - some companies refuse to lease cars yellow or green flowers due to low liquidity on the secondary market).

Here's what you can lease right now:

• 🚗 New cars (up to 1 year from the date of issue) - almost any brand, from Kia Rio up to Porsche Cayenne. The main condition: the car must be in the showroom of an official dealer.
• 🔄 Used car (up to 5 years, mileage up to 100 thousand km) - but only if they certified dealer (for example, programs Toyota Plus or Volkswagen Das WeltAuto).
• ⚡ Electric cars - here leasing is often more profitable than a loan due to government subsidies (for example, a preferential rate of 3% for Moskvich 3e or Geely Atlas Pro New Energy).
• 🏎️ Premium and sports cars - but with a down payment of 30% and strict solvency checks (for example, BMW M5 or Audi RS Q8).

Here's what impossible arrange for leasing:

• 🚘 Cars over 7 years old (even if they are in perfect condition).
• 🔧 Car after an accident with serious damage to the body or load-bearing structures.
• 🎨 Cars with non-standard painting (matte, chameleons, aeography).
• 📄 Car without PTS or with a problematic history (pledge, arrest, traffic police restrictions).

⚠️ Attention: On July 1, 2026, a new procedure for checking leased property came into force. Companies are now required to request extended vehicle history through EAISTO (Unified automated information system for technical inspection). If there is an entry in the database about failure to pass maintenance or unresolved faults, leasing will be refused.

Vehicle type	Max. age	Max. mileage	Down payment	Average rate, %
New cars	up to 1 year	up to 10 thousand km	from 0%	8–12%
Used (dealer)	up to 5 years	up to 100 thousand km	from 10%	10–15%
Electric cars	up to 3 years	up to 50 thousand km	from 5%	3–9% (preferential programs)
Premium class	up to 3 years	up to 60 thousand km	from 30%	12–18%

2. Commercial vehicles: trucks, vans, minibuses

For businesses, commercial vehicle leasing often turns out to be cheaper than buying - especially when it comes to trucks or buses, which quickly lose value. Leasing companies are more willing to work with legal entities and individual entrepreneurs, offering flexible conditions: from deferred payments up to seasonal payment (relevant for agricultural enterprises).

List of available commercial vehicles:

• 🚛 Trucks - from GAZon Next (3.5 t) up to Volvo FH (40 t). Leasing programs with buyback (sale-and-leaseback).
• 🚐 Vans and minibuses — Ford Transit, Mercedes-Benz Sprinter, PAZ-3204. Often used for delivery services or passenger transportation.
• 🚌 Buses - from PAZ-3205 (25 seats) up to Scania Touring (60 seats). Valid for buses preferential rates when purchasing Russian models.
• 🛻 Special equipment on chassis — tow trucks, garbage trucks, aerial platforms. It is important here that the technology is certified and had a passport for a self-propelled vehicle (PSM).

Features of leasing commercial vehicles:

• Leasing term - from 1 to 7 years (for trucks often up to 5 years).
• Down payment - from 10% to 25% (for individual entrepreneurs it may be higher).
• Requirements for the borrower: business experience of 6 months (for individual entrepreneurs) or revenue from 5 million rubles/year (for LLC).
• Additional options: CASCO insurance, service, changing tires according to the season.

⚠️ Attention: When leasing trucks or buses be sure to check for VTTS (vehicle type approval). Without this document, the car will not be registered with the traffic police, and the leasing transaction will be declared invalid. This is especially true for equipment imported from abroad after 2022.

Check OTTS and PSM (for special equipment)|Check the requirements for business experience|Compare rates for buy-back programs|Estimate the cost of CASCO (for trucks it can reach 8% of the cost)|Check if the contract has an early repayment clause-->

3. Special equipment and agricultural machines: tractors, combines, excavators

Leasing of special equipment is a separate niche with its own rules. The key players here are Rosselkhozbank Leasing, SberLeasing and regional companies such as AgroLeasing or TractorLeasing. Main advantage: government subsidies (up to 5% per annum for agricultural machinery under the program "Agro-industrial complex").

What can be leased:

• 🚜 Tractors - from MTZ-82 up to John Deere 6R. For Russian models they apply reduced rates (from 5% per annum).
• 🌾 Harvesters — Rostselmash RSM 161, CLAAS DOMINATOR. It is important here that the technology is new — Used combine harvesters are rarely leased.
• 🏗️ Construction equipment — excavators (JCB JS220), bulldozers (Chetra T25), truck cranes (KS-55713).
• 🌳 Forestry equipment — harvesters, forwarders, loppers. They often lease with the right to buy in 3–5 years.

Features of leasing special equipment:

• Leasing term - up to 10 years (for expensive combines or excavators).
• Down payment - from 0% to 15% (depending on the subsidy program).
• Requirements for the borrower: availability of land (for agricultural machinery) or licenses for the type of activity (for construction equipment).
• Additional options: warranty service, replacement of consumables, operator training.

What documents are needed to lease a tractor?

To arrange leasing of agricultural machinery you will need:

1. Passport and TIN of the borrower (for individuals) or constituent documents (for legal entities).

2. Certificate of ownership of land (if equipment is purchased for processing a specific area).

3. Technical passport of the tractor or combine (with a mark on passing the technical inspection).

4. Agreement with the dealer for the supply of equipment (if leasing is issued for a new car).

5. Certificate of income for the last 6 months (for individual entrepreneurs) or financial statements (for LLC).

4. Equipment and production lines: from machine tools to medical equipment

Equipment leasing is business modernization tool without large one-time investments. The popularity of such leasing has grown by 28% in 2023–2026, according to the report Expert RA. Main advantage: equipment can be written off as expenses (depreciation or leasing payments reduce the tax base).

What is leased:

• ⚙️ Machines and production equipment — turning, milling, laser (for example, Bystronic Xpert 150).
• 🏥 Medical equipment — Ultrasound machines (GE Voluson), x-ray units (Siemens Multix Impact), dental chairs.
• 🖥️ IT equipment — servers, workstations, data storage systems (for example, Dell PowerEdge).
• 🍽️ Equipment for HoReCa — industrial refrigerators, ovens, coffee machines (Rancilio Classe 7).

Conditions for leasing equipment:

Equipment type	Leasing term	Down payment	Rate, %
Production machines	3–7 years	10–20%	9–14%
Medical equipment	2–5 years	5–15%	7–12%
IT infrastructure	1–3 years	0–10%	10–16%
Equipment for restaurants	2–4 years	5–10%	11–15%

⚠️ Attention: When leasing medical equipment Be sure to check whether the supply of consumables is included in the contract (for example, MRI contrast agents or ultrasound probes). Some leasing companies impose expensive service contracts that increase the final cost by 20–30%.

5. What cannot be leased: black list of assets

Despite the wide range of available assets, there are categories of assets that no self-respecting leasing company will agree. The reasons are different: from high risks to Central Bank bans. Here's the full list:

• 🏠 Real estate - apartments, houses, commercial premises. Exception: modular buildings (for example, cabins or hangars), but only if they not tied to the ground.
• ✈️ Airplanes and helicopters - only if you are not a large airline with a turnover of 1 billion rubles per year. This is not available to individuals.
• ⛵ Yachts and boats — some companies offer water transport leasing, but rates start from 18% per annum, and the down payment is from 50%.
• 💍 Jewelry and valuables - even if it is equipment for jewelry production (for example, laser engraver), leasing of precious metals itself is prohibited by law.
• 🎮 Game consoles and computers for gaming - leasing companies think this consumer goodsrather than a business asset.
• 🚬 Equipment for the production of tobacco and alcohol - due to high regulatory risks.

It is also worth remembering hidden restrictions:

• Some companies don't work with foreign cars, collected in unfriendly countries (list approved by the government of the Russian Federation).
• Auto with HBO (gas equipment) are often leased only on condition official installation from a certified dealer.
• Technology with diesel engine over 5 years old may not pass environmental standards (e.g. Euro 5), and they will refuse to insure her.

6. Leasing for individuals, individual entrepreneurs and legal entities: who can take it and under what conditions

Leasing terms vary greatly depending on borrower status. Not all programs are available to individuals, but more flexible schemes are open to businesses - for example, leasing with buyback or operating leasing (lease without ownership). Let's look at it in detail.

For individuals:

• 👤Available only passenger cars, motorcycles and sometimes quad bikes.
• 📝 Requirements: age from 21 years, driving experience from 2 years, official income from 30 thousand rubles/month.
• 💰 Initial payment: from 0% to 20% (for new cars often 0%).
• ⏳ Leasing term: from 1 to 5 years.

For individual entrepreneurs (IP):

• 🛠️Available commercial transport, equipment, agricultural machinery.
• 📊 Requirements: IP experience from 6 months, revenue from 1.5 million rubles/year.
• 💰 Initial payment: from 10% to 30% (depending on the type of equipment).
• 📑Additional: may be required order of an individual (for example, a spouse or business partner).

For legal entities (LLC, JSC):

• 🏢Available all types of assets, including special equipment and production lines.
• 📈 Requirements: company experience from 1 year, net profit for the last reporting period.
• 💰 Initial payment: from 0% to 15% (for large transactions from 10 million rubles, 0% is possible).
• 🔄Additional: can be issued leasing with option to buy, operating leasing or sale-and-leaseback.

What is sale-and-leaseback?

This is a scheme in which you sell your property to a leasing company, and then lease it. Benefits:

1. Quick receipt of funds (up to 100% of the asset value).

2. The ability to continue to use technology or equipment.

3. Tax benefits (leasing payments are written off as expenses).

Cons: high interest rates (from 15% per annum) and the risk of loss of property in case of non-payment.

7. Hidden costs and pitfalls: what to look for before applying

Leasing is often advertised as a “profitable alternative to a loan”, but in practice it may be hidden in the contract additional commissions, which will increase the final cost by 20–30%. Here's what you need to pay attention to:

Top 5 Hidden Costs:

• 📄 Commission for opening a transaction - from 1% to 5% of the value of the property. Sometimes it is disguised as “organizational expenses”.
• 🔄 Early repayment penalty - up to 3% of the debt balance. Some companies prohibit early repayment in the first 12 months.
• 🚗 Mandatory CASCO — for cars, the rate can reach 8–12% per year (for example, for Toyota Camry this is ~50 thousand rubles/year).
• 🔧 Service - some lessors require maintenance to be carried out only in authorized centers, where prices are 30% higher than market prices.
• 📉 Exchange differences - if the property was purchased in foreign currency, and payments are in rubles, if the exchange rate fluctuates, the amount of debt may increase.

What to check in the contract before signing:

1. Is it indicated full payment schedule (including all commissions)?
2. Is there a clause about legality of unilateral change of conditions lessor?
3. Is it stated who pays? registration with the traffic police (for cars) or balancing (for equipment)?
4. Are there any penalties for late payment (sometimes up to 0.5% per day)?
5. Is it possible hand over the property back before the lease expires?

⚠️ Attention: If the contract contains a clause about "the lessor's right to undisputedly write off money from the account", this means that the company can withdraw the payment at any time, even if you are experiencing temporary financial difficulties. It is better to exclude such a clause or provide a notice 5 working days in advance.

8. Step-by-step instructions: how to lease property in 2026

The leasing process can be divided into 5 Key Stages. If you follow them in order, your chances of approval are 80–90% (provided that you meet the requirements of the lessor).

Step 1. Selecting property and checking its liquidity

• Check with the dealer whether he works with leasing companies (not all showrooms cooperate with leasing companies).
• Check if the equipment has certificates of conformity (especially important for special equipment and medical equipment).
• Rate asset liquidity on the secondary market - the easier it is to sell, the lower the rate will be.

Step 2. Collecting documents

The package of documents depends on the status of the borrower:

• 👤 For individuals: passport, driver's license, 2-NDFL certificate or bank form, work book.
• 🛠️ For individual entrepreneurs: passport, TIN, extract from the Unified State Register of Individual Entrepreneurs, 3-NDFL declaration, account statement for 3 months.
• 🏢 For legal entities: constituent documents, balance sheet, extract from the Unified State Register of Legal Entities, certificate of turnover.

Step 3. Selecting a leasing company and submitting an application

• Compare offers minimum 3–5 companies (you can use aggregators like LeasingPlus or Leasing.ru).
• Please note reviews — especially about hidden fees and the speed of processing applications.
• Serve preliminary application online - many companies respond within 1–2 days.

Step 4. Conclusion of the contract and payment

• Check carefully payment schedule — it must be specified in the annex to the contract.
• Find out who pays registration with the traffic police (for cars) or balancing (for equipment).
• Pay the down payment (if applicable) and sign the contract.

Step 5. Receipt of property and operation

• After signing the contract, the lessor pays the property to the seller, and you receive it for use.
• Don't forget to register CASCO insurance (for cars) or property insurance (for equipment).
• Follow timeliness of payments — delay by even 1 day can lead to fines.

Check the full cost of the lease (including all fees)|Check who pays registration and insurance|Check for early payment penalties|Make sure the lease includes a buyout option (if needed)|Check the payment schedule against your budget-->

FAQ: Frequently asked questions about leasing

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