For Me and My Family

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.

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?

Illustration of the Scap app

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?

  1. Select a car you want and fill out a leasing application at Swiss Capital branch, call center or online.  
  2. 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. 


Important Terms of Auto Leasing

Interest Rate TypeFixed
Annual Interest Rate31%-42%
Effective Annual Interest Rate50%
Loan Issuance Commission / Registration Fee0 -380 Lari
The Total Amount and Period of the Loan2 000-100 000 Lari, 3-72 months
Early Repayment Commission2% - 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 Penalty0.27% 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.
NoteIn 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.