Auto Leasing
Fuel your drive with smarter leasing
Take advantage of a minimal down payment and register the car in your name. No commission or collateral fees, effective rate of 50%.
- Down payment starting from 15%
- 4-month grace period
- The car will be registered in your name
4-Month Grace Period
Enjoy a 4-month grace period and pay only a minimum amount.
The car stays registered in your name
You're not required to transfer the vehicle to someone else's name.
Down payment starting at 15%
Minimal initial contribution.
Up to 72 months
The maximum lease term is 72 months.
Loan approval in 30 Minutes
Drive off sooner!
Manage your loan via mobile app
Open a Scapp user account and access all key information anytime, anywhere.
SwissCapital Advantage
Trustful and Professional
Your reliable financial partner, backed by years of experience and a commitment to the highest standards of service.
Personalized Solutions
We offer customized financial services designed to meet your individual needs.
Simple and Accessible
SwissCapital's wide range of services and user-friendly digital features help you overcome financial challenges quickly and with ease.
How to apply for an auto leasing?
Via the Scapp Mobile App
Receive a loan offer without visiting a branch – simply download the app and apply in seconds.
Via submission
Complete a simple and quick online form.
Visit a Branch
Stop by your nearest Swiss Capital branch to apply in person.
Phone Assistance
Call us at 032 2 300 300 for support.
To receive the loan, you’ll need:
- Georgian citizen ID card or passport
- Valid driver’s license
- Vehicle registration document
Your application will be reviewed and you will receive a response within 20 minutes.
The entire process takes no more than 30 minutes.
* Loans are available for individuals aged 21 and above.
Frequently Asked Questions
What is needed to purchase a desired car?
- Select a car you want and fill out a leasing application at Swiss Capital branch, call center or online.
- At Swiss Capital, you can obtain the necessary funds through a very fast and simple procedure. The required time will not exceed 30 minutes.
What is the available currency?
The amount is provided in Georgian Lari.
What is Car Leasing?
It is a product by which you can get money to purchase a desired car. The funded amount is up to 85% of its market value.
How do I pay?
You pay both – interest and principle at the same time each month according to the contractual schedule.
What maximum amount can be funded?
The upper amount limit of Swiss Capital financial leasing is 100 000 GEL.
Have more questions?
See the full list of FAQs.
Important Terms of Auto Leasing
| Interest Rate Type | Fixed |
|---|---|
| Annual Interest Rate | 31%-42% |
| Effective Annual Interest Rate | 50% |
| Loan Issuance Commission / Registration Fee | 0 -380 Lari |
| The Total Amount and Period of the Loan | 2 000-100 000 Lari, 3-72 months |
| Early Repayment Commission | 2% - of the repaid amount, if the remaining period is more than 24 months 1% - if 12-24 months remain 0.5% - if 6-12 months remain 0% - if up to 6 months remain |
| Overdue Penalty | 0.27% of the residual loan principal for every overdue day. In addition, from the beginning of the overdue period until its complete elimination, the imposition of mass expenses (including %) of this period is stopped after their total amount reaches 1.5 times the amount of the current residual translation amount. |
| Note | In case of non-fulfillment of the obligation, it will be considered fulfilled only by the implementation of the relevant measures (including the sale and/or ownership of the property) provided for by the Georgian legislation in relation to the means(s) of securing the present loan. |
