Discover our easy full-service lease solution for your business

All you need to do is drive – we take care of the rest

Full-service leasing – get a new car for a monthly lease payment with all after sales services included

Full-service leasing is a long-term rental agreement for vehicles in which the customer only pays for the use of the car. Servicing is included in the lease. The parties agree on the lease period as well as on the kilometre allowance; 36 months/60,000 kilometres, for example. The agreement period and the kilometre allowance can be adjusted during the lease, if needed.

Nordea Finance’s affiliate NF Fleet is responsible for Nordea’s full-service leasing operations..

Full-service leasing in brief

Enjoy the freedom of a lease car for an agreed monthly payment.

  • Long-term 2–5-year lease agreement for a new car 

The fixed monthly lease payment includes:

  • Regular servicing in accordance with the car’s servicing schedule
  • Possible temporary replacement vehicle until your car is fixed (max 2 days, 100 kilometres per day)
  • Possible regular inspection
  • 24/7 roadside assistance for the entire agreement period
  • Tyre replacement and fitting the car with seasonal tyres
  • Repair costs resulting from normal wear and tear

Benefits of a full-service lease

Get a new car for a monthly lease payment with all after sales services included.

  • Your company does not have to tie capital to owning the car – you only pay for the use
  • No risk of depreciation
  • Easy and comprehensive solution for your company’s car finance needs
  • The car serves as security
  • Affordable Nordea Fleet insurance available as an ancillary service
  • Kilometre allowance agreed beforehand  
Amendments to the agreement and invoicing

Amendments to the agreement and invoicing

Invoicing of lease payments

Lease payments are invoiced in advance. The invoice is issued every month or every three months and delivered by post. If you have taken out a comprehensive A1 Liikennekasko insurance policy on the car, the insurance premiums are included in the same invoice as the lease payments. The lease payment is fixed.

The lease payment is based on the agreed kilometre allowance and it includes regular after sales services as stated in the maintenance manual, repair costs resulting from normal wear and tear and tyre replacement.


Your company has the option of receiving e-invoices. If you would like to get e-invoices instead of paper invoices, contact our Customer Service and tell them your company’s e-invoicing address and operator ID.

Termination of your lease agreement

If you want to terminate your full-service lease agreement early, please contact the car dealership. The seller will inspect the car and fill in a form regarding the termination of your agreement. We will make a calculation which will determine the costs arising from the termination of the agreement.

Agreeing on a repayment period

If you would like to agree on a repayment period, please contact our Customer Service by phone or send us customer mail via Nordea’s Netbank. Due to bank secrecy, we cannot handle credit-related matters via email.

Change of due date

If you want to change the due date of your monthly payments under your lease agreement, please contact our Customer Service. Changing the due date of an invoice is subject to a fee set in our tariff.  


If you wish to pay more than your usual lease payment, you can make an overpayment. If you want to reduce your upcoming lease payments by making an overpayment, you must make a change to the repayment schedule in your agreement. To adjust your repayment plan and change the repayment schedule of your outstanding lease payments, please contact our Customer Service or send us customer mail via Nordea’s Netbank.

Changing the repayment plan is subject to a fee set in our tariff. 

Kilometre allowance amendments

If you are covering considerably less kilometres than the kilometre allowance originally set in your lease agreement or you are about to exceed your agreed kilometre allowance, it makes sense to amend it. The amendment will be made for the remaining lease period and it will subsequently decrease or increase your monthly payments.

If you want to amend your kilometre allowance, please contact Nordea Finance Customer Service. Nordea Finance calculates the kilometre charge for going over/under your allowance.

The amendment is subject to a transaction fee set in our tariff. 

Lease payments and taxation

You can deduct the entire lease payment as expense in taxation. VAT is deducted from each lease payment.


Taking your lease car abroad
Trade-in, servicing and inspections
Changes to your vehicle registration
Upon the expiry of the agreement


Got into an accident? Not to worry. Read what to do here.

File a claim to your insurance company and notify us of the incident. Send the claim signed by the lessee and the driver to your insurance company. If the incident has been reported to the police, please append the police report to your claim or send it to the insurance company separately as soon as possible.

Any damage to your car must be fixed at an authorised repair shop. Before repairing the car, the repair shop must get invoicing permission from the insurance company. The policyholder is liable for the insurance deductible.

If your lease agreement includes an insurance policy provided by the insurance company If, you can file your claim online at

Change of insurance company

If you want to switch your insurance company, fill in an insurance application in the insurance company of your choice and ask them to provide us with the details of your new insurance.

If switching your insurance company requires changes to your vehicle registration, ask the insurance company to send us a change request and your insurance certificate.

This change is subject to a fee charged by Traficom and a fee set in our currently valid tariff.


If you wish to buy the car, a representative of your insurance company must contact our Customer Service.