Leasing Companies in Russia: Ranking of the Best Offers for 2025
In the second half of 2025, leasing remains a key tool for updating equipment fleets and vehicle fleets for companies of all sizes. The availability of flexible financing schemes, reduced rates, and expanded service packages enables businesses to invest effectively without one-time expenses.
Ranking and Selection of Leasing Companies
When selecting a lessor, important criteria include interest rates, the size of the down payment, the term of the contract, and the quality of after-sales service. In 2025, the top five leasing companies include several firms whose products have gained recognition in the market.
Sber Leasing
The market leader with over a 25% share offers comprehensive solutions for vehicle fleets and specialized equipment. Rates start from 7.5% per annum for passenger cars with a minimum down payment of 10%, making their product accessible. An automated personal account allows clients to manage contracts in real time, track balance, and payment schedules.
VTB Leasing
A specialist in specialized equipment: rates start at 6.9%, with terms up to 7 years and an advantageous buyout coefficient of 1%. The product includes built-in factoring for leasing payments— the company pays the invoice, and the client settles the obligation in equal parts, preserving working capital.
Gazprombank Leasing
Ideal for the extraction and energy sectors: rates start at 6.5% per annum, offering comprehensive insurance and 24/7 technical support. Programs for leasing drilling rigs, compressor stations, and generators are available.
Rosagrolizing
Focused on agricultural machinery: a minimum down payment of 5% with the possibility of 0% down payment under government programs. A payment deferral of up to 180 days allows consideration of the seasonality of farmers' income.
Locomotive Leasing
Specializing in railway rolling stock and freight cars. Rates start at 6.2%, with a buyout payment from 0.1% of the residual value. Ideal for transport and logistics companies.
Interest Rates and Financial Conditions
In 2025, average rates on financial leasing in Russia are in the range of 7–8% per annum. Key factors influencing the rate include:
Factors Influencing Rates
The client's credit rating plays a paramount role. Companies rated "A–" and above receive the best terms. Long-term contracts of 5–7 years can lower the rate by 0.5–1%. The size of the down payment directly affects the rate—an increase in the down payment by every 5% of the asset's value reduces it by 0.2–0.3%.
Types of Interest Rates
Most lessors in 2025 offer fixed rates, simplifying budgeting and reducing risks for clients. Floating rates are applied in rare special projects with bank refinancing.
Down Payment: Options and Opportunities
The down payment varies from 0% to 20% of the asset's value and depends on the type of leasing object and the client's credit history.
Gradation of Deposit Sizes
A zero down payment is available under government subsidies through Rosagrolizing and Sber Leasing, as well as under special offers for large businesses. A minimum down payment of 5% applies to agricultural machinery and special vehicles. A standard range of 10–15% is typical for vehicle fleets and production equipment. An increased down payment of 20% allows obtaining the lowest rate and the minimum buyout payment.
Installment Payments
Market leaders allow for the installment of the down payment over a period of up to 6 months without additional interest, particularly relevant for seasonal industries.
Term and Structure of the Leasing Agreement
The optimal contract term is selected based on the depreciation period of the leasing object and the company's goals.
Recommended Terms by Asset Types
For passenger cars and office equipment, the optimal term is 1–3 years, which minimizes overpayment. A universal range of 3–5 years is suitable for specialized equipment and commercial transport, and 5–7 years for CNC machines, real estate, and railway rolling stock.
Structure of Contractual Terms
The payment schedule can be annuity (fixed payment) or differentiated (decreasing). The buyout payment corresponds to the residual value of the asset and varies from 0.1% to 5%. Early buyout is allowed without penalties after fulfilling 50% or more of the schedule.
Leasing Objects and Industry Applications
The Russian leasing market covers a wide range of assets—from passenger cars to industrial equipment and real estate.
Cars and Special Equipment
Passenger cars from Ford and Toyota are popular among taxi services and management staff, supplied with full CASCO insurance. Trucks from DAF, MAN, and KAMAZ offer deferral payment programs for seasonal industries. Special equipment (excavators, loaders, concrete mixers) is subsidized by the government, reducing costs.
Production Equipment
Machines and production lines for metalworking and woodworking are leased for up to 7 years with accelerated depreciation. Office equipment, servers, and software can be arranged for 1–2 years with upgrade options.
Real Estate and Large Assets
Non-residential premises (business centers, warehouses) are arranged in a sale-and-leaseback format for transactions starting at 50 million rubles, allowing for retained usage rights while freeing up capital.
Additional Services and Tax Advantages
Modern leasing companies offer comprehensive service packages that go beyond financing.
Insurance and Service
CASCO and OSAGO are included in the leasing package with discounts of up to 20% with comprehensive insurance from partners. Servicing is organized through contracts with official dealers, including maintenance and repairs. Integration with ERP automates depreciation and accounting.
Tax Benefits
Lease payments are fully deductible as expenses, lowering profit tax base by 20%. Accelerated depreciation and investment deductions provide additional advantages.
Comparison of Leasing with Alternatives
The choice between leasing, bank credit, and rental depends on the company's financial capabilities and objectives.
Leasing vs. Bank Credit
Leasing requires a smaller down payment (5-10% versus 20-30%), provides tax relief, but is 1-2% more expensive. Credit can sometimes offer lower rates but requires collateral and a lengthy approval process.
Leasing vs. Rental
Rental provides flexibility in terms without buyout and tax benefits, whereas leasing allows the purchase of the asset and the deduction of payments as expenses.
Practical Cases and Feedback
Real client experiences demonstrate the effectiveness of various financing schemes.
Case Study of a Transport Company
A company from Novosibirsk updated its fleet of 10 GAZelle vehicles through Sber Leasing with a 5% down payment and a 2% buyout payment. Tax savings amounted to 3 million rubles in the first year.
Entrepreneur Feedback
"Sber Leasing provided transparent terms and quick processing — 3 days from application to fund disbursement," stated a logistics company from Yekaterinburg. "VTB Leasing offered the best service across Russia," noted a construction firm from Moscow.
Leasing Market Trends in 2025
The Russian leasing market is actively transforming under the influence of technology and regulatory changes.
Digitalization of Processes
The implementation of blockchain for asset tracking and smart contracts speeds up contract registration and enhances transparency. Integration with registries reduces paperwork to 24 hours.
Environmental Initiatives
Green leasing is subsidized by the government—equipment with a low carbon footprint receives a rate that is 1–1.5% lower. Energy-efficient equipment of class A+ has additional write-offs.
Artificial Intelligence
AI chatbots are used for consultations and calculating leasing terms. Machine learning analysis of credit risks optimizes pricing. Predictive analytics generates personalized offers.
Regional Features of the Market
The geography of the leasing market in Russia displays significant differences in terms and product accessibility.
Moscow Region
Moscow and the Moscow region demonstrate fierce competition — rates for vehicle leasing are 6.8-7.2%. The transaction volume is the largest in the country.
Siberia and Ural
Regional payment deferral programs for seasonal sectors are available. Subsidies of up to 15% of contract value are offered.
Southern Regions
Government support for the agro-industrial sector elevates Rosagrolizing to the forefront in transaction volumes. Rates range from 4.5% to 5.5% per annum.
Recommendations for Choosing a Leasing Company
The right choice requires analysis of offers and consideration of business specifics.
Comparison Algorithm
Compare effective rates and service from the top 5 lessors. Study government support programs — they reduce financing costs by 20–30%. Optimize the down payment for a low rate while maintaining liquidity for operations.
Technical Integration
Plan the contract term considering depreciation and residual value. Integrate contracts with ERP/1C for automatic reporting on depreciation and payments, minimizing the risk of errors.
Choosing a leasing company should be based on a balance of financial conditions, service quality, and support programs. The 2025 ranking helps find the optimal solution for asset renewal and cost optimization for businesses.
