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Car leasing — lease with purchase option
To drive,
To drive,
without tying up capital.
From €5,000 to €80,000, over 24 to 60 months. Fixed payment, final purchase option known from the contract.
3.50 %
Min. lease rate
€0
Origination fees
14 d
Legal cooling-off
Leasing simulator
Desired amount
Term
2 months400 months
Purpose (optional)
Monthly payment
/month
APR
Total cost of credit
Total amount due
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Representative example. A loan is a binding commitment that must be repaid. Check your ability to repay before signing.
Why Calp
Four simple commitments, contractually upheld.
Contractual fixed payment
Monthly payment guaranteed for the entire term of the contract. Residual value known at signing.
No origination fees
No application fees. No opening commission.
Decision within 2 hours
Preliminary decision within 2 business hours, Monday to Friday.
Free purchase option
Purchase option exercisable at any time. Return with no penalty at term.
Detailed terms
The desired use,
The desired use,
the payment under control.
- Minimum amount€5,000
- Maximum amount€80,000
- Minimum term24 months
- Maximum term60 months
- Supporting documentVehicle purchase order
- Origination fees€0
- Borrower insuranceComprehensive insurance required
- Disbursement of fundsPaid directly to the dealer
- Early repaymentPurchase option exercisable at any time
- GuaranteeCalp ownership until purchase option exercised
Indicative lease rate scale
Excluding insurance. Updated 12 May 2026.
| Borrowed amount | Term | APR |
|---|---|---|
| €5,000 — €15,000 | 36 months | 3.90% |
| €15,000 — €25,000 | 48 months | 3.60% |
| €25,000 — €40,000 | 48 months | 3.50% |
| €25,000 — €40,000 | 60 months | 3.50% |
| €40,000 — €60,000 | 60 months | 3.60% |
| €60,000 — €80,000 | 60 months | 3.80% |
Representative example: for a lease of €30,000 over 48 months at a fixed rate of 3.50%, you pay 48 monthly payments of €619.76, residual value €6,000.
Why choose Calp for your car lease
Four reasons to choose Calp leasing
Lease-to-own (LOA) or long-term leasing (LLD) is an alternative to a classical car loan. You pay for vehicle use, not immediate ownership. Calp offers a readable formula without excessive security deposit.
No upfront down payment
Unlike most dealer leases, Calp requires no upfront payment or disguised down payment. The first month's payment equals subsequent payments, which simplifies budgeting and eases comparison with a classical loan.
Flexible mileage
Annual mileage allowance is adjustable mid-contract without penalty. You start with a conservative estimate, and if your use evolves (move, remote work, new activity), we adapt the contract. Final excess is billed at a transparent rate stated at signing.
Fixed purchase option at signing
The final purchase price is fixed in the contract at subscription, as a percentage of the new price. No revision based on market residual value. You know exactly how much acquiring the vehicle will cost if you decide to buy at term.
Maintenance and assistance included as option
All-inclusive package available: manufacturer maintenance, tyres, 24/7 assistance, replacement vehicle. One payment covers rental, maintenance and partial insurance. Reserved for new vehicles or less than 3 years old.
Eligibility criteria
Who can apply for a Calp car lease?
Calp leasing is open to individuals and professionals (small businesses, independents, liberal professions) residing in the European Economic Area. The main condition is income stability to honour rents over the entire contract.
- Age at subscription21 to 75 at last due date
- ResidenceEU, EEA or Switzerland
- Minimum net monthly incomeEUR 1,600 / month
- Employment statusPermanent, civil servant, self-employed 2y+
- Max debt-to-income ratio35% including lease payment
- Driving licenceValid for 2+ years
Documents to submit with your application
PDF upload from your application area. Decision within 2 hours, vehicle delivery in 4 to 12 weeks depending on manufacturer availability.
-
ID and driving licence
Valid ID or passport. Driving licence in the appropriate category for the vehicle, valid for at least 2 years. Proof of address less than 3 months old. -
Proof of income
Last three pay slips for employees, last two balance sheets for self-employed and liberal professions, latest tax notice. Retirees: latest pension notice. -
Vehicle purchase order
Purchase order signed at the dealership (new) or pro forma invoice (used). The vehicle must be identified at subscription: brand, model, engine, options. Calp pays the dealer directly. -
Car insurance certificate
Comprehensive insurance certificate covering the vehicle, naming Calp as priority beneficiary in case of total loss. Pre-established quote from your insurer or subscription via a Calp partner. -
IBAN for the debit account
IBAN of the account debited monthly. Account in the lessee's name, opened in an EEA bank. Payments deducted on a fixed date between the 1st and 10th of the month.
Typical use cases
What is Calp leasing used for?
Car leasing suits profiles who change vehicles regularly or prefer paying for use rather than ownership. Below are the four most frequent uses in 2025.
Individual changing car every 3-5 years
Optimized monthly payment without long-term commitment, possibility to change model at contract end. Avoids fast depreciation of new vehicles. 38% of files. Average payment EUR 320, term 48 months.
Independent and liberal profession
Partially tax-deductible payments (depending on pro/personal use), maintained vehicle with no unexpected surcharge, professional image preserved. 28% of files. Average payment EUR 480, term 36 months.
Family with evolving needs
Purchase impossible due to lack of down payment or borrowing capacity, but need for a reliable family vehicle under manufacturer warranty for the entire term. 22% of files. Average payment EUR 380, term 60 months.
Electric vehicle driver
Limits exposure to fast depreciation of electric vehicles, allows enjoying new models every 3 years, integrates the charging station in the contract. 12% of files. Average payment EUR 420.
Frequently asked questions
Your questions, our answers.
01
Who owns the vehicle?
Calp remains the owner until the purchase option is exercised. You are the lessee-user.
02
What is the residual value?
Known at signing, typically 15-25% of the original price. Exercisable at any time.
03
What insurance is required?
Comprehensive insurance is mandatory throughout the lease. Free choice of insurer.
04
What happens at term?
Three options: return with no penalty, exercise the purchase option at residual value, or a negotiated extension.
05
What is the difference between LOA and LLD?
LOA (Lease with Purchase Option) includes an acquisition option at contract end, at a price fixed at signing. LLD (Long-Term Lease) is pure leasing without purchase option: you return the vehicle at term. Calp offers both, the choice depends on your intention to keep or not the vehicle long-term.
06
What happens if I exceed the mileage?
In case of exceeding the agreed annual mileage, a per-kilometre tariff applies at contract end, stated in the offer (typically between EUR 0.08 and EUR 0.15 per km depending on vehicle). You can adjust your mileage allowance mid-contract without penalty if your use evolves, which avoids the final invoice.
07
Can I terminate the lease before the end?
Yes, but an early termination indemnity applies, calculated based on remaining payments and vehicle residual value. The indemnity is contractually capped at 6 monthly payments. Termination for force majeure (involuntary unemployment, disability, transfer abroad) benefits from a reduced or zero indemnity.
A fixed payment,
a free purchase option.
No hidden residual value, no return penalty, no mileage trap.
