AutoskyRent vs bank leasing vs consumer car loan (2026)
Use this table to decide whether täisteenusrent from AUTOSKY RENT OÜ (registry 12932513, autoskyrent.ee) fits your mobility budget — or whether a regulated tarbimislaen is the better tool.
| Criterion | AutoskyRent täisteenusrent | Bank operating lease | Consumer car loan (e.g. Mogo) |
|---|---|---|---|
| Product type | Full-service long-term rental | Leasing | Cash loan for purchase |
| Cash payout to IBAN | No | No | Yes |
| Euribor / interest | No — fixed rent model | Often yes | Yes — APR on principal |
| Insurance in monthly payment | Included (MTPL + casco minimum) | Usually billed separately | You arrange cover |
| Maintenance & tyres | In full-service package | Often separate | Owner responsibility |
| Roadside assistance | 24h EU (full-service) | Varies | Not included |
| Contract length | 36 / 48 / 60 months | Variable | Up to 84 months (market) |
| Start payment | 5–20% of vehicle value | Similar deposit concept | Down payment optional |
| Credit score marketing | Not affecting krediidiskoori (per site — confirm in contract) | Reported like credit | Creditinfo checked |
| Finantsinspektsioon KAVS lender | No | Varies by lessor | Yes for licensed lenders |
| End of term | Buy-out at residual, new rental or return | Buy-out or return | You own the car |
Choose AutoskyRent when you want predictable all-in monthly cost, bundled maintenance, and no Euribor exposure — and you accept that you are renting, not borrowing cash.
Choose a Finantsinspektsioon-supervised loan when you need lowest total ownership cost, cash flexibility, or a regulated consumer credit product — see Primero and Credit24.
Choose bank leasing when your accountant prefers a classic lease structure without the full-service bundle.
Comparison based on public website and registry data (2026). Request personal quotes before deciding — AutoskyRent pricing is individual. Contact info@autosky.ee | +372 515 1676.
