What is financial lease?
What is financial lease?
If you are looking to finance a car, chances are you have come across the term ‘financial lease’ somewhere. But you may now be wondering: what exactly is a financial lease? You can find out on this page.
A finance lease is a form of car leasing whereby, as the customer, you are the immediate economic owner of the car or commercial vehicle for the duration of the lease term. This means you can include the vehicle on your balance sheet and are entitled to tax benefits, such as interest and investment allowances, tax depreciation and VAT refunds. You pay a fixed monthly amount covering repayments and interest, and at the end of the lease term you become the full owner of the car and are free to do with it as you please. This allows you, as an entrepreneur, to acquire a (company) car without having to make a large investment all in once, leaving you free to invest capital in other business activities and/or assets.
How does financial lease work?
The process is fairly straightforward. You choose a vehicle and sign a finance lease agreement. You then pay a fixed monthly amount covering both the loan repayment and interest for the duration of the contract. At the end of the contract, you become the full owner of the car or commercial vehicle. A finance lease allows you to finance a vehicle whilst retaining ownership and enjoying tax benefits. Whether you are looking for your first business car or expanding your fleet, a financial lease can be an attractive option.
The benefits of financial lease
Financial leasing can be an attractive financing option for entrepreneurs looking to purchase a vehicle. You gain access to a vehicle and become its owner without having to make a large, upfront investment. Additionally, you can customize the financial lease contract to suit your personal preferences and financial situation, for example by extending or shortening the term. You repay the car or commercial vehicle to us in fixed installments and become the full owner of the vehicle at the end of the agreed lease period. Because you become the owner of the vehicle, you have the opportunity to adapt it to your needs and operations, and you also benefit from various tax advantages. For instance, you benefit from interest and investment deductions, tax depreciation, and VAT refunds.
Terms and conditions financial lease
If you are interested in a finance lease for your next vehicle, it is important to be aware of the terms and conditions that apply. These are the key terms and conditions to bear in mind when entering into a finance lease:
Creditworthiness – To be eligible for a finance lease, you must meet certain creditworthiness criteria. This means that the finance company will assess your financial situation to ensure that you are able to meet the monthly lease payments. How your financial situation is assessed varies from one finance company to another. At De Mobiliteit Financier, we use an accessible credit check, specially developed for self-employed individuals and start-ups
Age – It is important to check whether you meet the age requirements before submitting an application. The minimum age may vary by financing company. At De Mobiliteit Financier, we have a minimum age of 23 for financial lease.
Valid driver's license – You must hold a valid Dutch driving licence to be eligible for a finance lease on your next vehicle.
Would you like to know exactly which terms and conditions apply to your specific situation? If so, you can always contact Please get in touch with us so that we can provide you with personalised advice.
Why choose De Mobiliteits Financier?
- An accessible credit assessment, specially designed for start-up entrepreneurs and the self-employed
- A unique approval process that focuses on the business owner rather than the figures
- Fast and professional assessment of applications, so you know where you stand almost immediately
- Years of experience in the automotive sector and vehicle financing
- Tailored financing, allowing you to adjust the monthly repayment to suit your financial situation
Financial lease car or commerciel vehicle
The Mobility Financier is your ideal partner if you are looking for a car or commercial vehicle on a finance lease. We will ensure you can start driving straight away, with no hassle, thanks to a financing solution tailored to your business.
Monthly payment of financial lease
With a finance lease, you pay a fixed monthly amount to repay the car. This amount is determined by various factors:
- The purchase price of the vehicle for which you wish to take out a finance lease
- Term of the financial lease agreement
- A deposit, which allows you to reduce the amount of finance required
- Final payment, which you pay all at once at the end of the term
- Interest on the amount financed
At The Mobility Financier, you always know exactly where you stand and pay a fair and transparent price.
Financial lease for all entrepreneurs
A finance lease is a suitable option for many business owners. In most cases, we can arrange a suitable finance lease for your situation and the vehicle you want. Also read:
- Financial lease commercial vehicle – for business owners looking for a company car for all their work.
- Financial lease used car – for business owners looking for a vehicle that is both proven to be reliable and affordable.
- Financial lease BKR – for business owners who wish to lease without a BKR credit check or BKR registration.
- Financial lease for start-ups – for entrepreneurs who have just started out and have limited capital to invest.
- Financial lease for the self-employed – for all self-employed business owners who wish to retain financial flexibility to invest in other business assets.
Would you prefer to know exactly where you stand straight away? Then use our financial lease calculator to calculate your financial lease, or get in touch for a no-obligation consultation.