Find out everything you need to know in 2025

Have you ever wondered why the car leasing contract is becoming increasingly popular in Romania?

In recent years, more and more Romanians choose this intelligent alternative to enjoy the advantages of a new vehicle, without investing directly in its purchase. According to current legislation (OG 51/1997), the leasing contract represents an agreement on the basis of which the lessor transfers the right of use to a vehicle for a certain period, in exchange for monthly rates.

In addition, the flexibility of this system offers us two main options: the operational leasing contract, which works similar to a rent, and the financial leasing contract, which allows the purchase of the car at the end of the period. Therefore, that you are a natural or legal person, you can choose the option that best suits your needs.

In this article, we will explain everything you need to know about the contracts of Leasing Auto In 2025, from legal aspects to practical passages to conclude an advantageous contract.

What is the Auto leasing contract in 2025

Automatic leasing is a modern way of financing for the purchase of a vehicle, offering flexibility and accessibility to natural and legal people.

The simple definition of the car leasing

In essence, the automotive leasing contract is a financial operation with which a part, called the locks of the lessee, transmits the right of use on a motor vehicle to another party, called resident, in exchange for periodic payments called leasing rates. This form of funding combines the elements of a lease with those of a mortgage.

The parties involved in the contract

Three main entities are involved within an automotive leasing contract:

• Beneficiary (tenant/user) – the person who will use the vehicle
• Leasing Company (lessor/financier) – The right owner of the vehicle
• Seller – car – proper or dealer that provides a vehicle

The financier, through the leasing company, procures the necessary resources from the capital market or by bank refinancing in the form of loans. At the same time, the user benefits from the right of use on the vehicle for a fixed period, usually between two and five years.

The current legal framework

According to the Government Ordinance n. 51/1997, also known as the leasing law, the contract must clearly specify the rights and obligations of both parties. In addition, the law establishes that at the end of the leasing period, the user has three main options:

1. Purchase of residual value vehicles
2. Extension of the leasing contract
3. Final termination of contractual relations

For consumers, the legal framework has been improved by law no. 83/2025, which offers important changes in the protection of users in leasing contracts. This law guarantees a better balance between the rights and obligations of the parties involved, offering further protection to consumers in relation to leasing companies.

The monthly leasing rate includes different components: part of the vehicle value, the correlated interest and, depending on the type of contract, can include insurance costs. In the case of operational leasing, the rate can also cover additional services such as maintenance, repairs or road taxes.

Main types of leasing contracts

In Romania, the car leasing market offers several Types of leasing For the financing of a vehicle, each with distinct characteristics that adapt to the different needs of customers.

Funding leasing

Financial leasing is a form of financing with which the user receives the right of use on the vehicle, together with all the risks and services relating to the property right. This type of contract requires an advance between 20% and 50% of the car’s value. At the end of the period, after paying the residual value that cannot exceed 20% of the total value of the vehicle, the car becomes the ownership of the user.

Operational leasing

Unlike the financial version, Operational leasing It works as a long -term rental service, being particularly popular in western Europe. The main advantage is that it does not require advance and the fixed monthly rate includes all associated costs: insurance, taxes, maintenance and repairs. The contract can be concluded for a period between 12 and 57 months.

Which type of leasing adapts to 2025

To choose the right version, it is necessary to consider the following factors:

Financial leasing is recommended if:

• You want to become the owner of the car
• You prefer not to have mileage restrictions
• Plan to use the long -term vehicle

Operating leasing is advantageous when:

• You want to avoid unexpected maintenance costs
• You prefer to change the car every 1-2
• Appreciate the predictability of fixed monthly costs

In addition, for companies, the operational leasing offers the advantage of the full deduction of monthly rates and does not affect the degree of debt, since it does not appear as a debt in the budget. Therefore, the choice between the two types of leasing depends largely on your long -term goals and how it is expected to use the vehicle.

Steps to conclude a leasing contract

The process of obtaining a car leasing contract in 2025 is structured and requires attention at each stage. Therefore, understanding the essential passages helps us to pass through this process with confidence.

Check the admissibility

For individuals, the main admissibility criteria include:

• Age between 18 and 70 years at the end of the contract
• Permanent income made in Romania
• Good payment behavior
• Minimum 3 months in current work

The necessary documents

For people, the file must contain:

• Identity document
• Certificate of income or employment contract
• Bank account extract
• Agreement for Consultancy on the database of bank risk cases

In the case of companies, the documentation includes:

• Certificate of registration in the commercial register
• Accounting documents (last two financial statements and balance)
• Signing specimen according to the original

Negotiation of the terms

Although many believe that the contractual terms are daughter, the law allows them to negotiate. For optimal results:

• We carefully analyze the interest rate and additional costs
• We compare the offers available on the market
• We ask for clarifications for any aspect unclear

Sign the contract

The final contract must include:

• Detailed description of the vehicle
• The leasing period and the value of monthly rates
• The rights and obligations of both sides
• Clauses regarding the conditions imposed by the leasing company
• Information on the insurance package

After signing the contract, it is mandatory to conclude RCA and/or helmet insurance policies, second criteria specific for the leasing company. In addition, the leasing company analyzes monthly income and financial history to determine the customer’s final eligibility.

Costs and responsibilities in leasing

The financial structure of an automotive leasing contract involves several important aspects that we must understand before signing.

Calculation of monthly rates

The monthly rate in a leasing contract depends on several factors. First of all, for a car of 20,000 euros with a 25%advance, the financed amount will be 15,000 euros. In the case of interest of 14%, there are two main calculation methods:

• Linear interest: generates monthly rates of 639 euros (including insurance and VAT), with a total amount of 23,004 euros at the end of the contract
• The anca interest: the first rate starts from 578.7 euros and the last one reaches 602 euros, with a total amount of 21,122 euros

Therefore, the choice of the balance method of the balance can lead to a significant economy of 1,882 euros during the contract. In addition, leasing companies apply a 0.5% exchange rate to 2% compared to the BNR course.

Compulsory insurance

Within the leasing contract, the insurance plays a fundamental role for financial protection. The aspects relating to the main insurance include:

• Insurance helmet: it becomes mandatory at the time of signing the leasing contract
• Payment of prizes: can be made every year or quarterly, with the possibility of obtaining discounts for annual payment
• Annual renewal: insurance premiums are updated according to the damage and insurance rates

In order to optimize costs, it is important to negotiate the commissions that may vary between 0.5% and 7% of the car price. At the same time, the administrative commission can reach up to 7%and the analysis of the file between 1%and 3%. By negotiating these commissions, we can significantly reduce the total costs of the leasing contract.

The automotive leasing contract is today a modern and accessible financial solution for Romanians. Therefore, the choice between financial and operational leasing mainly depends on the objectives and needs of each.

The current legal framework offers greater protection to users and the process of conclusion of a leasing contract has become more transparent and safer. However, we must carefully analyze all the financial aspects, from the interest rate to the costs of compulsory insurance.

Before signing the contract, it is essential to compare the offers available on the market and negotiate the terms of the contract. Therefore, a well -chosen automotive leasing contract can bring significant benefits, whether we are talking about the predictability of costs in the event of operational leasing or the possibility of becoming the owner of the car by financial leasing.