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Motorcycle leasing

Motorcycle leasing

A new motorcycle, ATV or snowmobile quickly and conveniently

  • Personal offer
  • Fast and easy business

With leasing you can buy a motorcycle or a smaller motor-vehicle, like an ATV or snowmobile.

SEB offers you good opportunities for acquiring a motorcycle, ATV or snowmobile with leasing. First, select the desired vehicle and then submit us your lease application.

SEB offers leasing for ATVs, snowmobiles or motorcycles, except for the so-called sportbikes, cross motorcycles and cross ATVs.

Motorcycle leasing conditions
Final lease conditions depend on the chosen vehicle and the client. To get a personal lease offer, submit a lease application.

Standard motorcycle leasing conditions of SEB
Financed amount EUR 4500 up to EUR 13 000
Downpayment starting from 30% of the cost of vehicle
Lease term up to 60 months.

The age of motorcycle upon expiry of the lease term may not exceed 10 years.
Contract fee

starting from 1% of the acquisition cost of the lease item, min €225

We offer motorcycle leasing as financial lease or hire purchase.
We recommend finding the seller of a motorcycle from amongst the cooperation partners of SEB.


Lease payment
You can calculate an approximate lease payment with the help of lease calculator. The optional motor vehicle insurance and motor third party liability insurance premiums are added to the lease payments.


Annual percentage rate as a typical example

The initial annual percentage rate of charge of motorcycle leasing is 6.78% under the following sample conditions:

  • cost price of vehicle, EUR 12,000 (VAT included);
  • down-payment EUR 3,600 (30% of the cost of vehicle);
  • residual value 0% of the cost of vehicle;
  • total amount of credit taken into use EUR 8,400 (VAT included);
  • interest rate 5.00% p/a on credit balance (the interest rate consists of 6 month EURIBOR and a margin of 5.00%; as at 23 March 2021, the 6 month EURIBOR rate was –0.518% (when calculating the interest, the negative EURIBOR value is considered equal to zero); the EURIBOR fixed in the contract may change every 6 months, the margin is fixed until the end of the contract);
  • repayment within 4 years in 48 monthly annuity payments;
  • contract fee EUR 225 is paid upon conclusion of the contract;
  • the total monthly fees of the bank's current account and payment order are 0.46 euros.

The total amount of repayments payable by the client is EUR 9,299.53 and total amount is EUR 13,147.07.

The vehicle shall have comprehensive insurance and third party liability insurance cover throughout the lease period. The costs of insuring, possible property registration costs, state fees and price of the valuation report were not considered in the APR calculations.


Applying for lease
After you have found a suitable vehicle, submit us a lease application. First we advise you to familiarize yourself with the leasing conditions.
You may find a suitable vehicle from

There are several ways to submit your application

  • Fill in the electronic application in Internet Bank or on our homepage
  • Fill in the lease application at the SEB’s partner car dealer, who will assist you in lease-related matters and in forwarding the necessary documents
  • Send us a message, if you would like consultation at a bank office. You will be contacted and you can agree upon a time for consultation

When applying for leasing, present the following documents

  • Application electronically
  • An account statement for the last 6 months, if your salary is not received in SEB
  • Personal data sheet of surety, if you apply for a leasing together with the provider of surety
  • Sales offer of a vehicle or notice of sale published on the Internet
  • Valuation report  of the vehicle and a copy of the certificate of registration, if the seller is not our partner. To order a valuation report, you can apply to the authorised dealership of the selected make of vehicle or to another company from the partner list of SEB

Entering into lease contract

  • When agreeing on lease terms, you can choose whether you wish to sign the lease contract at the car dealership that is a cooperation partner, using your ID card, or at a SEB branch
  • If the seller is not our partner, the seller must sign the sales contract at a branch of SEB

Receiving the vehicle

  • Pay the agreed downpayment and contract fee
  • Register the vecicle in the name of AS SEB Liising. If the seller is our partner, the latter will also register the vehicle. In other cases you will receive a respective power of attorney from SEB Liising for registration
  • Sign optional motor vehicle and motor third party liability insurance contracts.
    You will find more information from the subdivision "Insurance"

To receive the vehicle, you will be issued an instrument of delivery and receipt from SEB Liising, which must be returned to SEB Liising, signed, after the receipt of the vehicle

If the seller is a private individual, delivery shall generally take place after SEB Liising has made the payment to the seller.

A vehicle engaged in leasing must have a valid insurance cover. Both, the optional motor vehicle as well as motor third party liability insurance contracts must be concluded.

Requirements to insurance contracts of leased property

  • • We recommend choosing an insurer from the list of insurance companies preferred by SEB .
  • The vehicle must be insured at least for the amount corresponding to its market value throughout the lease term.
  • The insurance contract must be concluded with the minimal deductible, permitted by the insurer.
  • The beneficiary in the insurance contract must be AS SEB Liising.
  • The insurance conditions must ensure that any damages that may be caused by theft, robbery, fire, water damage, natural catastrophe, traffic accident and any other possible loss events would be covered with the full indemnity paid out.
  • Insurance premium must be paid on time in accordance with the insurance contract.
  • Insurance contract must be concluded for a period of one year.
  • To prove the validity of the insurance, please submit a copy of the new insurance policy to SEB within five days prior to the end of the valid insurance policy, at the latest. You may send it to the e-mail address or fax it to 665 5103

Should you have any questions during the validity term of the lease agreement or you wish to submit an application, then please contact us via Internet Bank or send a message from our homepage.

All fees, related to the lease agreement, can be found from the price list.

Power of attorney

Power of attorney for using the vehicle

  • If the user of the vehicle is not stated on the registration certificate, the responsible user of the car can apply to SEB for

- an unattested proxy to drive within the Republic of Estonia

- a notarised power of attorney to take the vehicle abroad

  • A notarised power of attorney is always required for taking the vehicle to CIS countries. In addition, a supplementary policy to optional motor insurance has to be concluded (if the current optional motor vehicle insurance is not valid in the CIS countries).

Power of attorney for procedures at the regional bureau of the Estonian Road Administration (ARK)
A responsible user of the car may apply to SEB for a power of attorney for necessary procedures at the ARK (e.g. if you would like to add or change users on the registration certificate, need a new licence plate, etc).

Applying for a power of attorney
Please submit us your application for a power of attorney (EST) in good time (for a notarised power of attorney at least three working days in advance), so that we could issue the power of attorney on time. 

Amending a lease contract
To make amendments to the contract, submit us a written application.

Lease invoices
We shall send the lease invoices to Internet Bank or e-mail. Inform us of your preferred choice in a letter.

For more convenient payment of lease invoices we recommend e-invoice with automated standing order service.

You will find information on your current lease contract and payment schedule in Internet Bank.

Termination of financial lease and hire purchase

  • The lease term shall end with payment of the last lease payment. After all lease payments have been made and if, according to our knowledge, there are no additional claims against the vehicle (parking fine, fine for speeding), we shall send you a document for terminating the contract. On the basis of this document you have to reregister the vehicle in ARK and become the owner of the car.
  •  If you have concluded financial lease with residual value, you will pay the residual value together with last payment. It is possible to apply for extension of the lease term for the payment of residual value in instalments. To submit an application, send us a letter

Base rates

Valid as 28.07.2021
1-month EURIBOR® -0,5580
3-month EURIBOR® -0,5470
6-month EURIBOR® -0,5240
12-month EURIBOR® -0,4980
EONIA® -0,4780
€STR -0,5670
Bank's base interest 0,0000
EURIBOR® historical data
EONIA® historical data
€STR historical data
Base rate information

Euribor (benchmark) and Eonia (benchmark) are published by the European Money Markets Institute (EMMI).
The base interest rate of the bank is set and published by AS SEB Pank.
The set base interest rate may decrease or increase over time. These changes affect the contractual interest rate. For example, if the new base interest rate has increased compared to the previous base interest rate which was in force on the day the agreement was concluded, the interest payments will also increase.


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