Finance Car Lease
Finance lease gives you the flexibility to adjust the down payment and contract duration according to your financial situation, with full ownership of the vehicle guaranteed at the end of the term. All with the support of our consultants and trusted financial partners.
Finance Car Lease calculator
Financing
Services Included in Operational Leasing
| CASCO insurance | |
| RCA | |
| Season tire replacement | |
| Service and maintenance | |
| 24/7 roadside assistance | |
| Rovinieta | |
| ITP | |
| Replacement machine |
The monthly rate shown is an estimate and may vary depending on the specific terms of the contract, the creditworthiness of the customer, the down payment and other factors. Please contact us directly for a personalized and detailed quote. This calculator is for information purposes only and does not constitute a firm lease offer. All values are in EUR and exclude VAT.
What is Finance Car Lease?
Finance lease is a form of car financing that allows you to acquire a vehicle by paying monthly installments over a fixed period, at the end of which the car becomes your property. Unlike an upfront purchase, it lets you spread the cost over time without tying up your available resources.
Finance Car Lease is one of the most used forms of auto financing thanks to its flexibility and long-term benefits.
At United Drive, the process is simplified from the very first step: you receive personalized consulting, gain access to carefully selected vehicles and benefit from the support of our team in identifying the most advantageous financing options. Every step is designed for clarity, efficiency and comfort!
Simple and Fast Steps for Acquiring a Car Through Finance Lease
Selecting your desired model
From the United Drive portfolio or upon request, depending on preferences and budget.
Free consultation
Providing details and your estimated budget to identify the optimal solution.
Eligibility analysis and offer preparation
Fast and transparent evaluation of your Finance Lease options.
Document preparation
You benefit from full support from our team in preparing the Finance Lease file.
Contract signing
All formalities are handled by the United Drive team.
Vehicle delivery
Fast,to your desired address or in the showroom, hassle-free.
Why choose United Drive?
Personalized consultation
At United Drive you don't just get a car, you get a dedicated team which helps you identify the right solution, whether for personal or business use. The process is streamlined,ensuring the final decision remains entirely yours.
Document preparation support
Skip the bureaucracy - we explain exactly which documents are required, help you prepare them correctly and handle the submission to our financial partners.
Quick approval
We collaborate with leading leasing firms and authorized financial institutions to provide advantageous options for both new and pre-owned cars.
Monthly rate
Adapt the advance payment and contract duration to current needs, with full ownership guaranteed upon completion.
If you already own a vehicle, you can integrate it directly into the financing process, reducing the value of the installments or down payment.
Premium and exclusive vehicles
United Drive's portfolio includes Porsche, Tesla, Audi, BMW, Mercedes-Benz and other supercars - all technically inspected and provided with full service history.
Complete mobility solutions
In addition to finance lease, you can benefit from integrated services: rigorous car evaluation, Buy-Back, Trade-In, extended warranties, professional detailing, and turnkey delivery, all in one place – United Drive.
United Drive financial partners
Frequently Asked Questions about Finance Car Lease
What documents are needed for Finance Car Lease?
The application process is simple and transparent.The required documents are: financing application, applicant’s ID, company registration number (CUI), administrator’s ID, articles of incorporation, balance sheet and trial balance.
United Drive offers you a dedicated consultant that guides you step-by-step in preparing the file, so that the process is fast and without unnecessary bureaucracy.
Can I get a Finance Car Lease as a new company?
Yes! New companies can access Finance Car Lease with a minimum down payment of 30%, a condition that compensates for the lack of an extensive financial history and facilitates quick access to financing.
What is the difference between Finance Lease and Operating Lease?
The two forms of lease differ in three essential aspects:
Property – with Finance Lease, the vehicle becomes yours at the end of the contract; with Operating Lease, the vehicle remains the property of the financier;
Responsibilities – with Finance Lease, vehicle care (maintenance, insurance, taxes) is your responsibility; with Operating Lease, these services can be included in the package;
Accounting treatment - Finance Lease is recorded as an asset and a liability on the balance sheet; Operating Lease is treated as a rental service, with fully deductible VAT for corporate users.
When is Finance Car Lease advantageous?
Finance Car Lease is an excellent solution for individuals who want to own a car without paying the full price upfront. The main advantages are:
Financial flexibility – predictable monthly rates, easy to integrate into the monthly budget;
Instant access – drive your desired car without waiting to save the full amount;
Guaranteed ownership - at the end of the contract, the car is yours;
Full control - you are free to use and customize the vehicle as you wish.
For companies and SMEs, this is one of the most efficient forms of financing,allowing the purchase of cars for employees or for company activities, with benefits such as tax deductions and cash flow optimization.
Are there any special Finance Lease offers depending on the model?
Yes! Certain brands offer Finance Lease through the brand’s own financier. For example, Porsche Bank for the Porsche range, Volkswagen, Audi, Škoda, CUPRA and other brands in the VAG group or UniCredit Bank for BMW models purchased through the authorized dealer network.
What costs are included in a Finance Car Lease?
A Finance Car Lease typically includes: interest, management fee, account administration fee, RCA and CASCO (optional or included, depending on the chosen package).
Why is Finance Car Lease so popular in Romania?
Finance Car Lease is one of the most used forms of auto financing thanks to its flexibility and long-term benefits. Through this type of lease,both individuals and companies can plan their budget efficiently, have quick access to new cars and turn the payment into predictable monthly installments, without tying up family or company resources.
Need help deciding?
Request a free consultation!
