Leasing rates in: how much interest do banks and leasing companies charge?

As of June 2026, average leasing rates for individuals start from 8.9% per annum when purchasing a new passenger car, and for legal entities - from 6,5% when registering special equipment or commercial vehicles. However, the real interest rate depends on five key factors: type of client (individual/individual/legal entity), category of property (cars, equipment, real estate), leasing term, size of the down payment and credit history. For example, leasing KIA Rio 2026 for individual entrepreneurs will cost 10–12% per annum with an advance of 20%, while corporate clients with a turnover of 50 million rubles or more will be offered the same car at 7–9%.

Important: in 2026, the Central Bank of the Russian Federation tightened the requirements for risk management of leasing companies, which led to an increase in rates for 1–1.5 p.p. compared to the beginning of the year. This especially affected individuals without a confirmed income - for them the minimum rate now starts from 11–13% (previously it was 9–10%). At the same time, for legal entities with a positive credit history and a turnover of 30 million rubles, preferential programs are available from 5,9% (for example, in SberLeasing or VTB Leasing).

Current leasing rates in 2026: comparative table

Below are the average market leasing interest rates as of June 2026 for different categories of clients and types of property. The data is based on the tariffs of the top 10 leasing companies in Russia (SberLeasing, VTB Leasing, Gazprombank Leasing, Raiffeisen Leasing etc.). Please note that the final rate may vary by ±2–3 p.p. depending on the region, contract term and additional services (CASCO, life insurance).

⚠️ Attention: Rates for used cars over 5 years old can reach 20–25% per annum due to increased risks of the lessor. In addition, some companies (for example, Europlan) completely refuse to work with used equipment older than 7 years.

What determines leasing rates in 2026: 7 key factors

The leasing interest rate is determined individually for each client. Here are the main parameters that affect its size:

• 📌 Client type: Individuals pay on 2–4 p.p. more than legal. For example, leasing Hyundai Solaris for an individual it will cost 11–13%, and for an LLC with a turnover of 10 million rubles - in 8–9%.
• 🚗 Property category: Passenger cars are cheaper to lease than special equipment or medical equipment. The rate for an excavator can reach 15%, while for the sedan - 9–10%.
• 💰 Down payment amount: The larger the advance, the lower the rate. For example, when purchasing Toyota Camry with a 10% contribution the rate will be 12–14%, and with a contribution of 30% - 9–10%.
• ⏳ Leasing term: Contracts for 1–2 years have a rate of 1–2 p.p. higher than 3–5 years. However, with long terms, the overpayment of interest increases.
• 📊 Credit history: Clients with late payments or low scoring receive a rate for 3–5 p.p. above the market average. For example, if the leasing history is bad Lada Vesta may cost 16–18%.
• 🏢 Region: In Moscow and St. Petersburg, bets on 0.5–1 p.p. lower than in the regions. For example, in SberLeasing Ford Transit in Moscow they will give under 9,5%, and in Krasnodar - under 10,5%.
• 🛡️ Additional services: CASCO, life or property insurance can increase the effective rate by 1–3 p.p..

🔍 Hidden nuance: Some leasing companies (for example, Rusfinance Leasing) offer low rates (6–7%), but include service fees in the contract, which increases the real overpayment to 10–12%. Always demand full payment schedule including all commissions.

PSK = (Total amount of payments / Cost of property - 1)  (365 / Duration in days)  100

Leasing rates for individuals in 2026: what has changed

In 2026, individuals faced tightening leasing conditions due to an increase in the Central Bank key rate (now 16%) and increasing the risk of non-return. If in 2023 the minimum rate for individuals began with 7–8%, then now - with 8,9–9,5%. In this case:

• 📉 Preferential programs preserved only for payroll clients of banks (Sberbank, VTB, Alfa-Bank) - for them the rate can be reduced to 8,5%.
• 🚫 Cancellation of leasing without proof of income: Previously, some companies (for example, Europlan) issued a lease based on two documents. Now almost everyone requires a 2-NDFL certificate or an account statement.
• 💳 Increase in down payment: If previously it was possible to arrange leasing with an advance of 0–5%, now the minimum is 10% (and for used cars - 20%).
• 📑 Additional requirements: Many companies now require surety bonds or collateral (such as real estate) for customers with bad credit.

💡 How can an individual obtain leasing at a low interest rate? Use one of the proven methods:

1. Arrange leasing through your employer (if he is a legal entity) - the rate will decrease by 2–3 p.p..
2. Select a car from the list of leasing company partners (for example, Hyundai or KIA in SberLeasing) - special rates apply for them.
3. Increase your down payment to 30–40% - this will reduce the rate by 1–1.5 p.p..
4. Take out life insurance from the lessor's partner company - some banks give a discount 0.5–1 p.p. for this.

✅ Confirm income (2-NDFL or statement for 6 months)

✅ Select a car from the list of promotional models of the lessor

✅ Collect a down payment of at least 20%

✅ Check your credit history and correct errors (if any)

✅ Compare offers from at least 3–4 leasing companies

-->

Leasing for individual entrepreneurs and legal entities: how to get a rate below 8%

For entrepreneurs and companies, leasing conditions in 2026 remain more favorable than for individuals, but have also become more stringent. If in 2023 the minimum rate for individual entrepreneurs began with 6%, then now - with 7,5%. However, businesses can reduce overpayments by using the following strategies:

• 📈 Company turnover: The higher the annual turnover, the lower the rate. For example, in VTB Leasing for companies with a turnover of 50 million ₽ the rate applies 5,9%, and for turnover up to 10 million ₽ - 9–11%.
• 🏭 Business industry: Enterprises from priority industries (IT, medicine, agriculture) receive preferential rates. For example, for the agro-industrial complex in Rosselkhozbank Leasing rate starts from 5,5%.
• 🔄 Re-leasing: If the company has already used the services of a lessor, it may be offered a discount 0.5–1 p.p..
• 💼 Bail or surety: Providing additional collateral (real estate, deposit) reduces the rate by 1–2 p.p..

⚠️ Attention: In 2026, many leasing companies began to demand from individual entrepreneurs and legal entities pledge of property (for example, real estate or other equipment) when leasing for an amount exceeding 5 million rubles. This is due to an increase in defaults among small businesses.

📌 Calculation example: A company with a turnover of 20 million rubles wants to lease GAZelle NEXT worth 3 million rubles for 3 years. With a down payment of 20% and a good credit history, the rate will be 8,5%. Total overpayment - approx. 750 thousand ₽. If the company’s turnover is 5 million rubles, the rate will increase to 10,5%, and overpayment - up to 950 thousand ₽.

Used Car Leasing: Rates and Pitfalls

Leasing of used cars in 2026 has become less affordable: if previously the rates started from 10–12%, then now - from 12–14%, and for cars older than 7 years - from 18–20%. This is due to:

• 🔧 Increased risk of breakdowns: Lessors include possible repair costs in the rate.
• 📉 Fast depreciation: After 3–5 years, the value of a used car may fall by 30–50%, which increases risks for the company.
• 🚨 Difficulties with insurance: CASCO insurance for used cars costs more, which increases the effective rate.

🔍 How to reduce the leasing rate for a used car?

• 🔹 Choose cars no older 3–5 years with a mileage of up to 100 thousand km - for them the rates are 2–3 p.p. below.
• 🔹 Apply for leasing through a dealer, and not directly from a leasing company - they often have special programs.
• 🔹 Provide additional collateral (for example, another car or real estate).
• 🔹Increase your down payment to 30–40% - this will reduce the rate by 1–1.5 p.p..

⚠️ Attention: Some leasing companies (for example, Leasing Bureau) offer used cars at a rate 9–10%, but included in the contract risk commission (up to 5% of the cost of the car), which increases the real overpayment to 14–15%. Always read the fine print!

Comparison of leasing rates in the top 5 companies in Russia (2026)

To choose the best offer, let’s compare current rates in leading leasing companies for June 2026. The data is relevant for legal entities with a turnover of 10 million rubles and individuals with confirmed income.

💡 Advice: Before leasing, check whether the selected company operates promotional offers. For example, in SberLeasing until the end of 2026, the “Leasing without overpayment” program for cars is in effect Lada, Hyundai and KIA with a rate from 7,9% (with a down payment of 30%).

How to calculate the real cost of leasing: formulas and examples

Many clients mistakenly believe that the leasing interest rate is the only parameter that determines overpayment. What you really need to consider is:

• 💵 Down payment (the larger it is, the lower the monthly payment, but the higher the burden on the budget at the beginning).
• 📅 Leasing term (with a long term, the monthly payment decreases, but the total overpayment increases).
• 🛡️ Insurance cost (CASCO may add 1–3% to the effective rate).
• 📝 Commissions (for servicing, early repayment, contract extension).

📌 Formula for calculating the effective rate (ERR):

PSK = [(Total amount of payments / Cost of property) ^ (1 / Term in years) - 1] * 100

Example 1 (for an individual):

Car Volkswagen Polo worth 1.5 million rubles.

Down payment: 300 thousand ₽ (20%).

Leasing term: 3 years.

Monthly payment: 35 thousand ₽.

Total amount of payments: 300 thousand (advance) + 35 thousand * 36 = 1,560 thousand rubles.

Example 2 (for a legal entity):

An excavator worth 5 million rubles.

Initial payment: 1 million ₽ (20%).

Leasing term: 5 years.

Monthly payment: 95 thousand ₽.

Total amount of payments: 1 million + 95 thousand * 60 = 6.7 million rubles.

⚠️ Attention: If the lessor refuses to provide a full payment schedule or calculation of the PSC, this is a reason to be wary - perhaps hidden commissions are included in the agreement.

Frequently asked questions about leasing rates in 2026