Leasing Companies in Russia: Ranking of the Best Offers for 2025
In the latter half of 2025, leasing continues to serve as a key instrument for the renewal of equipment and vehicle fleets across companies of all sizes. The availability of flexible financing schemes, decreasing rates, and expanded service packages enables businesses to invest effectively without incurring one-time expenses.
Ranking and Selecting a Leasing Company
When choosing a lessor, important criteria include interest rates, the size of the down payment, the duration of the contract, and the quality of service. In 2025, several companies have made it to the top five, with their products earning recognition in the market.
Sberleasing
A market leader with a share exceeding 25%, Sberleasing offers comprehensive solutions for fleets and special equipment. Rates start from 7.5% annually for passenger cars, with a minimum down payment of 10%, making the product accessible. An automated personal account allows users to manage contracts online, monitor remaining balances, and track payment schedules.
VTB Leasing
A specialist in special equipment, VTB Leasing offers rates from 6.9%, terms of up to 7 years, and an advantageous buyout factor of 1%. The product includes built-in factoring for leasing payments—the company pays the invoice, while the client settles the obligation in equal parts, preserving working capital.
Gazprombank Leasing
Ideal for the mining and energy sectors, Gazprombank Leasing provides rates from 6.5% annually, comprehensive insurance, and round-the-clock technical support. Leasing programmes for drilling rigs, compressor stations, and generators are available.
Rosagrolizing
Focusing on agricultural machinery, Rosagrolizing offers a minimum down payment of 5% and the possibility of a 0% down payment under government programmes. Payment deferrals of up to 180 days accommodate the seasonality of agricultural income.
Loco-Leasing
Focusing on railway rolling stock and freight wagons, Loco-Leasing offers rates starting from 6.2% and buyout payments beginning at 0.1% of the remaining value. This service is ideal for transport and logistics companies.
Interest Rates and Financial Terms
In 2025, the average rates for financial leasing in Russia range between 7-8% annually. Key factors influencing these rates include:
Factors Influencing Rates
The client's credit rating plays a crucial role. Companies with a rating of 'A–' or higher are offered the best conditions. Long-term contracts lasting 5–7 years can reduce the rate by 0.5–1%. The size of the down payment directly affects the rate—increasing the payment by every 5% of the asset's value lowers the rate 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 used rarely in special projects involving bank refinancing.
Down Payment: Options and Possibilities
The down payment ranges from 0% to 20% of the asset's value and is contingent upon the type of leasing item and the client's credit history.
Down Payment Gradation
A zero down payment is available through government subsidies via Rosagrolizing and Sberleasing, as well as under special offers for large businesses. A minimum payment of 5% applies to agricultural machinery and specialty vehicles. A standard range of 10-15% is typical for vehicle fleets and manufacturing equipment. An increased down payment of 20% provides access to the lowest rates and minimal buyout payments.
Payment Installment Options
Market leaders offer the possibility of instalment payments on the down payment over a period of up to 6 months without additional interest, which is particularly relevant for seasonal industries.
Lease Term and Structure
The optimal term of the lease is chosen based on the amortisation period of the leased item and the company’s objectives.
Recommended Terms by Asset Type
For passenger cars and office equipment, the optimal term is 1–3 years, minimising overpayment. A universal range of 3–5 years is suitable for special equipment and commercial vehicles, while 5–7 years fits CNC machines, real estate, and railway rolling stock.
Contractual Terms Structure
The payment schedule can be either annuitised (fixed payment) or differentiated (decreasing). The buyout payment reflects the residual value of the asset and varies from 0.1% to 5%. Early buyout is allowed without penalties after achieving ≥ 50% of the payment schedule.
Leased Items and Industry Applications
The Russian leasing market encompasses 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 personnel, provided with full comprehensive insurance. Freight vehicles from DAF, MAN, and KamAZ offer deferred payment programmes for seasonal industries. Special equipment (excavators, loaders, concrete-mixers) is subsidised by the government, reducing rates.
Manufacturing Equipment
Machines and production lines for metalworking and woodworking are leased for up to 7 years with accelerated amortisation. Office equipment, servers, and software are arranged for 1–2 years with upgrade options.
Real Estate and Large Assets
Non-residential properties (business centres, warehouses) are structured in a sale-and-leaseback format for transactions above 50 million roubles, enabling the retention of usage rights while releasing capital.
Additional Services and Tax Advantages
Modern leasing companies offer comprehensive service packages that extend beyond financing.
Insurance and Service
Comprehensive insurance, including CASCO and OSAGO, is integrated into leasing packages with discounts of up to 20% when bundled with partner companies. Service maintenance is organised via contracts with official dealers, covering maintenance and repairs. Integration with ERP systems automates depreciation and accounting.
Tax Benefits
Leasing payments are fully deductible as expenses, reducing the profit tax base by 20%. Accelerated depreciation and investment deductions provide additional advantages.
Leasing Compared to Alternatives
The choice between leasing, bank loans, and renting depends on the financial capabilities and objectives of a business.
Leasing vs Bank Loan
Leasing requires a lower initial payment (5-10% versus 20-30%) and offers tax deductions, although it may be 1-2% more expensive. Loans may offer lower rates but require collateral and a lengthy approval process.
Leasing vs Renting
Renting provides flexibility in terms without buyout and tax benefits, while leasing allows for asset purchase and expense deduction of payments.
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 Gazelles through Sberleasing with a 5% down payment and a buyout payment of 2%. Tax savings amounted to 3 million roubles in the first year.
Entrepreneur Testimonials
“Sberleasing provided transparent conditions and rapid processing—3 days from application to fund disbursement,” said a logistics company in Yekaterinburg. “VTB Leasing offered the best service across Russia,” remarked a construction firm in Moscow.
Leasing Market Trends in 2025
The Russian leasing market is actively transforming under the influence of technology and regulatory changes.
Digitalisation of Processes
The implementation of blockchain for asset accounting and smart contracts accelerates contract registration and increases transparency. Integration with registries reduces processing time to 24 hours.
Environmental Initiatives
Green leasing is subsidised by the government—equipment with a low carbon footprint receives a rate 1-1.5% lower. Energy-efficient A+ class equipment has additional deductions.
Artificial Intelligence
AI chatbots for consultations and lease condition calculations. ML analysis of credit risks optimises pricing, while predictive analytics creates personalised offers.
Regional Features of the Market
The geography of the leasing market in Russia is characterised by significant differences in terms and product accessibility.
Moscow Region
Moscow and the Moscow region exhibit intense competition—auto leasing rates range from 6.8% to 7.2%. The volume of transactions is the highest in the country.
Siberia and the Urals
Regional payment deferment programmes are available for seasonal industries. Subsidies of up to 15% of the contract value are offered.
Southern Regions
State support for the agro-industrial sector positions Rosagrolizing as a leader in transaction volumes. Rates range from 4.5% to 5.5% annually.
Recommendations for Choosing a Leasing Company
A proper choice requires analysis of offers and consideration of business specifics.
Comparison Algorithm
Compare effective rates and service across the top five lessors. Explore government support programmes—they can reduce financing costs by 20-30%. Optimise the down payment for a low rate while maintaining liquidity for operations.
Technical Integration
Plan the contract term with a consideration of depreciation and residual value. Integrate contracts with ERP/1C for automated reporting on depreciation and payments, reducing error risks.
Choosing a leasing company should be based on a balance of financial conditions, service quality, and support programmes. The 2025 ranking helps find the optimal solution for asset renewal and business expense optimisation.
