Ringo Leasing: customer reviews – the truth about the company without embellishment

What is Ringo Leasing and why choose it?

Company Ringo Leasing is one of the largest players in the car leasing market in Russia, offering services to both individuals and legal entities. The main direction is leasing of new and used cars with the option of purchasing at residual value. Among the key advantages that the company declares: flexible conditions, minimum down payment (from 10%) and loyal requirements for customers.

However, before entering into a contract, it is worth studying real customer reviews — they often reveal nuances that managers are silent about. For example, many people complain about hidden fees for early repayment or difficulties in returning the car after the end of the leasing period. In this article we analyzed more than 200 reviews from sites like Otzovik, Yandex.Maps, Banks.ru and car forumsto identify typical problems and strengths of the company.

It is important to understand: leasing is not a loan or a rental, but a separate financial product with its own rules. There is no ownership of the car until full redemption, but there are tax benefits for individual entrepreneurs and legal entities. But as reviews show, not all clients are satisfied with the final experience. Let's figure out why.

Pros of Ringo Leasing: what do clients praise?

Despite the criticism, the company has many positive reviews. Most often, clients note:

• 🚗 Wide selection of cars: from budget Lada Vesta and Kia Rio up to bonus Toyota Camry and Volkswagen Tiguan. There are even proposals for commercial vehicles (for example, Gazelle Next).
• 💰 Low down payment: from 10% car cost (in some promotions - up to 0% for preferential categories of clients).
• ⚡ Fast registration: if all documents are available, the contract can be concluded in 1–3 days (including credit history check).
• 📑 Transparent conditions for business: Individual entrepreneurs and LLCs can take into account leasing payments in expenses, reducing the tax burden.

Especially often praised loyalty to clients with imperfect credit history. For example, on the Drom forum, a user with the nickname @AutoFan_89 wrote: “I was rejected by three banks due to delays, and Ringo was approved for leasing Hyundai Creta with a down payment of 15%. The payment turned out to be a little higher than on the loan, but at least I got the car.”.

Another plus is the opportunity early repayment without penalties (but with a commission for recalculating the payment schedule). This distinguishes Ringo Leasing from many banks, where they charge interest for the entire term for early closure of a loan.

Cons and typical customer complaints

The main complaint from clients is hidden commissions and unscrupulous managers. For example, the contract may specify a commission for "account maintenance" (up to 1,500 ₽/month), which is not warned about in advance. On the “Otzovik” user @Lena_K complained: “I was told that the payment would be 18,000 rubles, but in fact with commissions it comes out to 19,800 rubles. When I asked why that was, the manager replied that it was “standard practice.”.

Other common problems:

• 🔧 Problems with returning a car: at the end of the leasing period, clients are faced with claims regarding the condition of the car (even if wear and tear is within normal limits). For example, scratches on a bumper may be billed to 10–30 thousand ₽.
• 📉 Changing conditions unilaterally: Some customers complain that the company increased monthly payments without warning (citing “change in refinancing rate”).
• 🚨 Difficulties with early redemption: despite the absence of penalties, recalculation of the schedule may take up to 2–3 weeks, and at this time they continue to write off payments according to the old schedule.

A separate story - CASCO insurance. Ringo Leasing obliges clients to take out a policy only from partner companies, where rates are often higher than market rates. For example, on the “Drive2” forum, the user @Max_Drive compared: "In Ringo CASCO on Skoda Octavia it cost 85 thousand ₽/year, and at Ingosstrakh I found a policy for 62 thousand ₽ with the same conditions. But the manager didn’t let me refuse, saying, “it’s written in the contract.”.

⚠️ Attention! Before signing the contract, check the clause on commissions for "keeping score" and "leasing service". These payments may increase your monthly premium by 5–15%. Request clarification from the manager in writing.

Comparison of Ringo Leasing with competitors: who is more profitable?

To understand how competitive Ringo Leasing’s conditions are, let’s compare them with other popular companies (data on June 2026):

As can be seen from the table, Ringo Leasing is not a leader either in terms of rates or flexibility of conditions. However, it beats its competitors in two ways:

1. Minimum down payment (10% against 15–20% most other companies).
2. Loyalty to clients with bad credit history (approved up to 70% applications, while in banks this figure rarely exceeds 40%).

But if you care low rate or early repayment without commissions, worth considering Europlan or VTB Leasing. And if you need a car “here and now” with a minimum down payment, Ringo may be a good option.

PSK = (Sum of all payments / Leasing amount) × 100%

Step-by-step instructions: how to avoid fraud when applying for leasing

To avoid becoming a victim of hidden commissions or unscrupulous managers, follow this algorithm:

Study the clause about commissions (especially “for account maintenance”)

Find out if you can apply for CASCO insurance at any insurance company

Check the terms of early repayment (are there any penalties)

Compare the payment schedule with the manager’s verbal promises

Take photos of all documents before signing -->

Pay special attention to clause 5.3 of the standard Ringo Leasing agreement, where the conditions for returning the car are stated. For example, if the mileage exceeds the agreed limit (usually 1,500–2,000 km/month), you may be charged additional fees for "increased wear and tear". In practice, this means that for the extra 5,000 km you'll have to pay extra 10–20 thousand ₽.

One more nuance - mandatory maintenance at official dealers. The contract may stipulate that servicing should take place only at Ringo Leasing partner car dealerships, where prices are 20–30% higher than that of independent services. If this rule is violated, the company has the right to terminate the contract.

⚠️ Attention! Never sign a contract if the manager refuses to provide a complete package of documents for study. You must have time (at least 1–2 days) to check the conditions. If they put pressure on urgency, this is a reason to be wary.

Real customer stories: successes and failures

To form an objective opinion, let’s consider several cases from reviews:

Successful case: business leasing

User @Ivan_SPB from the Forum Members forum shared his experience: “Arranged through Ringo Leasing Ford Transit for your individual entrepreneur. Down payment - 15%, monthly payment - 22 thousand rubles. Due to tax deductions, the real cost of leasing was cheaper than a loan. In 3 years I will buy the car for the residual value 300 thousand ₽ and she will be mine. There were no problems, everything was according to the contract".

Bad Case: Hidden Fees

A client on Yandex.Maps @Olga_M complained: “I took it Renault Duster leasing, the manager promised a payment of 17,500 ₽, but in fact they write off 19,200 ₽. It turned out that there is a “service” fee of 1,200 rubles and an “insurance fee” of 500 rubles. When she became indignant, they said that this was written in the small print of the contract. Now I will overpay for almost 3 years of leasing 100 thousand ₽».

Controversial situation: we are returning a car with wear and tear

On the “Otzovik” user @Dmitry_K described: "Passed Kia Ceed after 3 years of leasing, but I was billed 45 thousand rubles for “damage”. Moreover, all the scratches were within the limits of normal wear, and the mileage did not exceed the limit. I had to argue and provide before and after photos. As a result, the amount was reduced to 15 thousand rubles, but I spent a lot of nerves”.

These stories show that the experience of interacting with Ringo Leasing is highly dependent on customer attentiveness when registering and manager's integrity. If you carefully check documents and record all verbal promises, the risks of unpleasant surprises are reduced.

What to do if Ringo Leasing violates your rights?

If you are faced with dishonest actions of the company (hidden commissions, refusal of early repayment, inflated requirements when returning a car), follow the following algorithm:

1. Collect evidence: screenshots of correspondence with the manager, copies of contracts, payment receipts, photos/videos of the condition of the car.
2. Write a complaint addressed to the general director Ringo Leasing (address: 123112, Moscow, Presnenskaya embankment, 10). In your complaint please indicate:
   • Contract number and manager's name.
   • The essence of the violation (with reference to the clause of the contract).
   • Demand to eliminate the violation (for example, recalculate payments or return overpaid money).

Example of successful conflict resolution: client @Alexey_T from the Auto Mail.ru forum filed a complaint with the Central Bank of the Russian Federation after Ringo Leasing refused to recalculate the payment schedule for early repayment. A month later the company returned 18 thousand ₽ overpaid commissions.

⚠️ Attention! If Ringo Leasing threatens to terminate the contract due to late payment, know that they are required by law to notify you for 30 days before that. If there was no notification, the termination can be challenged in court.

FAQ: answers to frequently asked questions about Ringo Leasing