Drive a new car with flexibility and at an affordable monthly payment.
Operating Lease is a more flexible and affordable alternative to traditional bank leasing and car loans. It is a good choice if you want to use a new car with a lower monthly payment but prefer to arrange maintenance, insurance, tyre changes and other car-related services yourself. With Mobire Full-Service Lease, these services are included in the monthly payment, while with Operating Lease, you pay for them when needed. This gives you greater flexibility and the freedom to choose the solution that suits you best. At the end of the Operating Lease period, return the car to Mobire, choose a new vehicle from our selection and continue driving a new car. You do not have to worry about interest, Euribor, residual value or selling the car. A new car with an affordable monthly payment.
How does Operating Lease work?
A practical alternative to leasing
Reasons to choose Operating Lease over traditional leasing.
Initial rental payment starting from 0€
You can rent a car without a large upfront cost – the initial rental fee is €0.
New car with fast delivery
Our cars are brand new, and most are available immediately or with a short delivery time. This means you can get behind the wheel of a new car quickly.
24/7 customer support
Our customer support is available 24/7. If you have a question or something unexpected happens, you can always count on our help – so you can drive with peace of mind.
Flexible vehicle return and exchange
If your needs change, you can return the vehicle before the end of the rental period or exchange it for another vehicle, subject to the terms of the rental agreement
The illustration is based on a sample offer.
What is included in the Operating Lease monthly payment?
You can choose an Operating Lease period of 36 to 60 months, with the monthly payment remaining unchanged throughout the rental period. It is not affected by changes in Euribor, and if you wish, you can choose an initial rental payment of €0, allowing you to start driving a new car without a large upfront payment.
Why choose Operating Lease over leasing?
If you want to drive a new car without worrying about Euribor, interest, residual value or selling the car, and want the flexibility to change your car according to your needs, Operating Lease is a convenient and affordable choice.
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Bank Leasing |
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|---|---|---|---|
| Vehicle usage fee | Sisaldub | Sisaldub | Sisaldub |
| Motor insurance (TPL) | Ei sisaldu | Ei sisaldu | Sisaldub |
| Casco insurance or vehicle restoration by Mobire | Ei sisaldu | Ei sisaldu | Sisaldub |
| 24/7 client support | Ei sisaldu | Sisaldub | Sisaldub |
| Mobire discounts and consolidated invoice | Ei sisaldu | Sisaldub | Sisaldub |
| Handling of vehicle damage claims | Ei sisaldu | Ei sisaldu | Sisaldub |
| Vehicle regular maintenance | Ei sisaldu | Ei sisaldu | Sisaldub |
| Parts affected by standard wear and tear | Ei sisaldu | Ei sisaldu | Sisaldub |
| One set of winter tires | Ei sisaldu | Ei sisaldu | Sisaldub |
| Winter- and summer tires for the rental period | Ei sisaldu | Ei sisaldu | Sisaldub |
| Tire change and storage | Ei sisaldu | Ei sisaldu | Sisaldub |
| Fuel card | Ei sisaldu | Sisaldub | Sisaldub |
| Vehicle wash card | Ei sisaldu | Sisaldub | Sisaldub |
| Replacement vehicle | Ei sisaldu | Ei sisaldu | Sisaldub |
| Vehicle operation tax | Ei sisaldu | Ei sisaldu | Sisaldub |
| Vehicle registration tax in Estonia | Ei sisaldu | Sisaldub | Sisaldub |
Frequently Asked Questions
Does operating lease work for both private individuals and businesses?
Yes. Operating lease is available to both private individuals and businesses who want to use a new car with a fixed monthly payment without the obligation of ownership.
Why should I choose operating lease over leasing?
Operating lease is a more affordable alternative to leasing, where you do not have to worry about interest, Euribor or selling the car later. Use the car for a fixed monthly payment and return or exchange it when your needs change.
Is operating lease a more sensible option than buying a car?
If you want to use a new car without owning it and want to change your car every 3–5 years without having to deal with selling it, operating lease can be a sensible solution.
Does operating lease also work if I drive a lot?
Yes. Operating lease is also suitable for higher mileage. Annual mileage options of 10,000 km, 20,000 km and 30,000 km are available for operating lease.
Is operating lease a good choice for a family car?
Yes. With operating lease, you can choose a new car that fits your family’s needs and, at the end of the rental period, switch to another model if you wish. Operating lease also makes it flexible to return or exchange the car if your family’s needs change.
Can I buy the car at the end of the operating lease?
At the end of the rental period, the operating lease car must be returned to Mobire and cannot be purchased.
What is the biggest advantage of operating lease compared with leasing?
Many customers see operating lease as a more affordable alternative to leasing. With operating lease, you also do not have to worry about selling the car later or its depreciation in value. Using the car is simple and convenient, and at the end of the rental period, you can return it and move on to another new car.
Does Euribor affect the operating lease monthly payment?
No. The operating lease monthly payment is fixed and does not change during the rental period due to changes in Euribor.
What happens at the end of the operating lease period?
At the end of the rental period, you return the car to Mobire and can choose a new car through operating lease or full-service rental.
What is the residual value of an operating lease car?
Operating lease is not a financial service and the vehicle is used for a fixed monthly payment. Therefore, an operating lease vehicle does not have a residual value.
Can I buy an operating lease car later?
Operating lease cars cannot be purchased at the end of the rental period. Return the car to Mobire and choose a new car through operating lease or full-service rental.
Are all operating lease cars new?
Yes. All Mobire operating lease cars are new and selected by our experts with a generous level of additional equipment.
How quickly can I get a new car?
Many operating lease cars are available immediately or arrive within a short delivery time. The exact delivery time depends on the selected model.
Is a down payment required for operating lease?
No down payment is required for operating lease, as it is not a financial service. All Mobire operating lease cars are available with a €0 initial rental payment. If you would nevertheless prefer a lower monthly payment, you can pay an initial rental payment, which will reduce your monthly operating lease payment accordingly.
What is the initial rental payment?
The initial rental payment is an upfront payment that proportionally reduces the customer’s monthly payment. You can choose whether to start your operating lease with a €0 initial rental payment or reduce your monthly payment by paying an initial rental payment at the beginning of the rental period.
Who arranges maintenance and tyre changes?
With operating lease, maintenance, tyre changes and other vehicle-related services are arranged through our partners. These services are not included in the operating lease monthly payment and are paid for as needed. Our 24/7 customer service team can advise you on choosing a suitable service provider at 13500. Operating lease customers also receive discounts at Mobire’s partner service providers: https://mobire.ee/partnerid/
Who is responsible for insurance on an operating lease car?
With operating lease, the tenant is responsible for the vehicle’s mandatory third-party liability insurance and comprehensive insurance. The operating lease vehicle must have valid third-party liability and comprehensive insurance throughout the rental period. The tenant is responsible for keeping the policies valid, renewing them on time and providing proof of insurance.
Does an operating lease car need valid comprehensive insurance?
Yes. An operating lease car must have valid comprehensive insurance throughout the entire rental period. The tenant is responsible for arranging the insurance on time and providing the relevant policy documents.
How can I insure my operating lease car?
Our insurance partner is IIZI insurance broker, through whom insuring Mobire operating lease cars is always the fastest and most convenient option.
Do I have to pay the vehicle registration tax separately?
No. The vehicle registration tax is already included in the operating lease monthly payment.
Is the annual motor vehicle tax included in the operating lease monthly payment?
No. The annual motor vehicle tax is invoiced separately to the tenant.
Do operating lease cars have Mobire stickers?
No. Operating lease cars do not have Mobire stickers.
Can I add my company’s stickers to an operating lease car?
Yes. If you wish, you can add your company’s stickers to the operating lease car by informing us of your request.
Can I add a tow bar, roof box or similar equipment to an operating lease car?
Yes. You can add a tow bar, roof box or similar equipment to an operating lease car. Please let us know if you would like to do so.
Does operating lease suit me if I want to change my car more frequently?
Yes. Operating lease is a good choice for people who want to drive a new car regularly without having to sell their current car, or who want to change or return their car quickly and conveniently as their circumstances and needs change.
Is operating lease suitable if I do not know much about cars?
Yes. In this case, operating lease can be a good solution because Mobire operating lease cars are selected by our experts and come with a carefully chosen level of additional equipment. Our operating lease selection includes some of the most popular and best-selling car models on the Baltic market.
What happens if I want a new car at the end of the rental period?
You can return your current car and choose a new model from our operating lease selection or find a suitable car through full-service rental.
Do I have to sell my current car myself first?
No. If you wish, you can use Mobire’s “Sell Your Old Car to Us” service. We will make you a purchase offer for your current car and, if you accept the price, conclude a sales agreement and transfer the payment to your bank account. You can then continue driving with a Mobire operating lease car.
Why choose operating lease?
The purpose of operating lease is to use a new, reliable car without the burden of ownership. You can use a new car for a fixed rental period without having to worry about selling it later or its depreciation in value.
Can I rent a car from you if I have a provisional driving licence?
Operating lease is not available to holders of a provisional driving licence. The driving licence must have been valid for at least 2 years and cannot be a provisional licence.
Who can take a car on operating lease?
Private individuals aged 23–75 who are Estonian citizens or hold a valid residence permit and a valid driving licence can take a car on operating lease.
For legal entities, we offer operating lease to active businesses with no outstanding debts.
What happens if I exceed the mileage limit specified in the agreement?
If the mileage specified in the agreement is exceeded, the charge will be adjusted according to the terms of the rental agreement. We therefore recommend that customers estimate their expected mileage as accurately as possible.
Can I take an operating lease for a vehicle that is not listed on the Mobire website?
Operating lease is available only for the operating lease cars listed on the Mobire website. Our experts have selected the most popular and best-selling models for our operating lease range, with competitive pricing and a generous level of additional equipment.
