SMART LEASE OOD is a financial institution entered in the Bulgarian National Bank's register under Article 3a of the Credit Institutions Act. It provides financial leasing and loans from its own funds. It does not accept deposits.
Only the two activities in our BNB registration. Every offer is assessed individually and set out in writing before you sign.
We buy the vehicle or equipment you choose from your supplier and lease it to you. You use it from day one, pay monthly instalments, and become the owner at the end once the residual value is paid.
Loans financed from the company's own capital, never from deposits taken from the public. For consumers, every loan follows the Consumer Credit Act.
See how the down payment, term and residual value change the monthly instalment, and how quickly the balance falls.
Illustration only, not an offer. It assumes equal monthly instalments and leaves out insurance, registration, fees and VAT treatment. A real offer depends on the asset, your assessment and the written contract. Inputs stay in your browser.
Bulgarian law gives these protections to every consumer borrowing from any lender, us included.
Before signing you receive the Standard European Consumer Credit Information form, showing the APR and the total amount payable.
You may withdraw from a consumer credit agreement within 14 days of signing without giving a reason.
You may repay all or part of the credit early at any time, with a lower total cost of credit.
The law caps the APR on consumer credit at five times the statutory interest rate on late payments.
Banks and other lessors may offer lower costs. Ask at least two of them for the APR and the total amount payable, and compare those two figures rather than the monthly instalment. Small businesses can also check the programmes of the Bulgarian Development Bank.
Write to us first and we will reply in writing. If you are not satisfied, consumers can contact the Commission for Consumer Protection. Questions about our registration go to the Bulgarian National Bank. This page is general information, not legal advice.
Fraudsters copy the names of registered lenders. Here is what Smart Lease will never do.
If someone does this in our name, do not pay. Report it to the police and tell us at company@smartleaseltdood.com. To check any lender's registration, look it up in the BNB register of financial institutions.
Visits by appointment.
Personal data is processed to assess applications and administer contracts, in line with the EU General Data Protection Regulation and Bulgarian law.