Financing

Your first purchase via Leanpay takes place in a few simple steps:

1. Document preparation: Make sure you have a valid personal document with you, such as an identity card or passport.

2. Use of a mobile device: For registration and your first purchase, you only need a smartphone with a phone number that is exclusively yours.

3. Data entry: During registration, enter correct personal and financial data. Leanpay will carry out data processing and control procedures.

Note: Verification is digital, but Leanpay reserves the right to request additional documents or information. The identification document must be valid at the time of the procedure.

Leanpay offers this service to:

Citizens of the Republic of Slovenia with permanent residence in the territory of the Republic of Slovenia (you must have a valid** personal document issued by one of the Administrative Units of the Republic of Slovenia), and

Individuals who are:

• regularly employed full-time, or
• regularly employed part-time, or
• regularly employed or self-employed (s.p.) with a personal transaction account and not an s.p. transaction account.
• pensioners

Persons who are older than 18 and have not yet reached 74 years of age,

Persons with verifiable regular monthly income above a certain limit, and with existing indebtedness below a certain limit, in accordance with Leanpay's credit policy

Only persons who are registered in Sisbon.

The service is (currently) not possible, and Leanpay may refuse it at its own discretion, for:

1. citizens of other countries,
2. persons without employment or with regular monthly income below a certain limit,
3. sole proprietors, d.o.o. or other companies, or legal entities
4. persons whose main activity is agriculture,
5. high school students and university students,
6. persons who are late with payments to Leanpay, or have been late with Leanpay or other creditors in the past according to Sisbon data, or show negative events in Sisbon,
7. persons who, in Leanpay's opinion, have shown signs of attempted abuse or fraud, either with Leanpay or elsewhere,
8. persons whose data cannot be verified in Sisbon.

- You must be a citizen of the Republic of Slovenia, aged between 18 and 73.
- You must be employed full-time or part-time, or a sole proprietor with regular monthly income of at least EUR 710.
Alternatively, a pensioner with regular monthly income of at least EUR 570.

Once you receive an offer from the selected store during the application process, you can check the monthly installment amount and the number of installments, and choose according to your preferences.

Leanpay is committed to transparency and provides easy access to all transactions, including costs, interest, due dates, and more. This information can be checked by every user in the "Standard Pre-contractual Information" section on the first screen of the application process.

Leanpay uses an annual interest rate and risk assessment costs, which are precisely defined in the Leanpay price list. This information is available in every valid price list for consumer loans and is displayed on the information sheet of each merchant.

At the dealer
Together with the salesperson, you will determine the lease terms or prepare an informative calculation. This includes:

• Lease duration (from 12 to 96 months).
• Amount of the monthly installment.
• Down payment amount (may also be possible without).

Submission of required documentation
The dealer will ask you for the documents necessary to conclude the lease. They are listed in the second tab under Lease Conditions.

Lease application submission
The dealer will submit your application to NLB Lease&Go with your documentation, who will check your creditworthiness based on the submitted documentation.

Lease approval
If your creditworthiness is adequate, the lease will be approved. This usually happens quickly, and in case of any problems, the leasing company will call you to resolve the matter as quickly as possible.

Contract signing
Once the lease is approved, you will sign the lease agreement with the dealer. This agreement specifies all key terms, including the lease duration, installment amounts, and interest rate.

Vehicle pickup
Once the contract is signed and the lease is confirmed, you can pick up the vehicle. The leasing company transfers the amount to the dealer, and you begin repaying the monthly installments in accordance with the agreement.

Lease repayment
You pay the monthly lease installments directly to NLB Lease&Go, in accordance with the contract.

Leasing cannot be approved remotely!

Someone who is a leasing intermediary must personally identify you, and you must physically sign the documents, which means it is not possible to approve a lease remotely.

1. Visit the dealer - us.

2. Visit one of the NLB Lease&Go branches, fill out an application, and tell them you are buying a vehicle from us. The Goriška branch will take over from there, as they collaborate with us, and we will be able to process the lease semi-remotely.

• Natural persons: Adults with permanent residence in Slovenia, who have regular income and adequate financial capacity. These include employees, retirees, students, farmers, unemployed persons, etc.
• Self-employed persons: Persons registered as sole proprietors (s.p.) with verifiable income.
• Legal entities: Companies (d.o.o., d.n.o., d.d.) can take out a lease for vehicle purchases within the scope of their business. It is important that companies have adequate creditworthiness and sufficient income to cover installments.

For individuals:

• Down payment of a minimum of 10%
• Completed application form for financing, which you can find here - APPLICATION FOR FINANCING
• Personal identification document: Valid personal identification document (identity card or passport).
• Tax identification number
• Last three payslips: Proof of regular income, confirming your ability to repay leasing installments.
• Vehicle offer: From the seller
• Insurance: Comprehensive insurance is usually mandatory for vehicle leasing. You will need to arrange this before taking delivery of the vehicle.

For self-employed individuals (s.p.):

• Down payment of a minimum of 10%
• Completed application form for financing, which you can find here - APPLICATION FOR FINANCING
• Personal identification document: Valid personal identification document.
• Tax identification number
• Balance sheet or income statement: You will need the company's financial reports or an extract from FURS (Financial Administration of the Republic of Slovenia) confirming your income and business stability.
• Bank statements (if necessary)
• Vehicle offer from the seller.

For legal entities (companies):

• Down payment of a minimum of 10%
• Completed application form for financing, which we will provide to you.
• Extract from the court register or other document proving the existence and registration of the company.
• Personal identification document of the company representative.
• Balance sheet and income statement for the last year
• Bank statements: (if necessary)
• Offer or invoice for the vehicle from the seller
• Company tax identification number
• Insurance: As with individuals, comprehensive insurance for the vehicle is required.

Summary:

• If you are an individual, you need a personal identification document, proof of income (payslips), a tax identification number, and a vehicle offer.
• If you are self-employed or a company, you need additional business documentation (balance sheet, income statement) and an extract from the court register.

Yes, you can. If you wish or are able to make an early repayment, please contact the NLB Lease&Go leasing company, where they will explain everything to you.

Early Repayment Procedure

If you decide to make an early repayment, you must first contact the leasing company and inform them of your intention. The usual procedure is as follows:

• The leasing company will calculate your remaining debt and inform you of it.
• You pay the entire remaining amount, which includes the principal and interest only for the financing period. The leasing company does not charge additional interest or fees.
• The leasing company will then terminate the contract, and in the case of financial leasing, you will become the owner of the vehicle.

Benefits of Early Repayment

• Interest Savings: Earlier repayment reduces total interest, as you no longer pay interest for the remaining period.
• Immediate Vehicle Ownership: In the case of financial leasing, you become the immediate owner of the vehicle, meaning you no longer have financial obligations to the leasing company.
• Option to Sell or Exchange the Vehicle: If you have repaid the lease early, you can sell or exchange the vehicle without the restrictions that the lease would impose.

Therefore, before deciding on early repayment, it is important to review the terms of your lease agreement and consult with the leasing company, as they will precisely explain the process to you.

You can find answers to the most frequently asked questions about NLB Lease&Go leasing at this link.

Link - Frequently Asked Questions