Through GoMore Leasing, you can get a new car with, for example, a three-year lease for the same cost you would incur from the depreciation and other expenses of a car you own outright over the same time period. In addition, you avoid the risks and hassles of ownership and can share your leasing car when you're not using it.
Read more about GoMore Leasing
Private car leasing – also known as maintenance leasing – is still a relatively new way to acquire a car in Finland compared to other Nordic countries. However, according to a recent study by Value Clinic, nearly half of Finns are already interested in private leasing as a car ownership model. In fact, the number of registered private lease cars has increased by over a third in Finland this year.
However, the benefits of private leasing compared to other forms of ownership and car financing are still too often overshadowed by flashy and misleading financing or installment offers. At the same time, many car owners reportedly don’t fully grasp the true costs of owning a car.
The lack of transparency in marketing is not only due to misleading financing offers—many private leasing providers don’t even display the final monthly costs of their offers on their websites, let alone additional services or hidden fees.
From the customer’s perspective, this makes comparing prices and different offer packages nearly impossible.
The Era of Unclear Leasing Prices Is Over
GoMore aims to solve this issue by presenting leasing offers on our website and other channels in the most transparent way possible.
In addition, we are the only leasing service provider in Finland that helps every leasing customer safely and easily sublease their car—so their monthly leasing costs can become even more affordable.
But first, it’s worth clarifying what the actual costs are when owning a car traditionally, and how GoMore Leasing customers can save significant amounts compared to other ownership types or leasing services.
Finally, we'll summarize what private leasing is all about—and why leasing and sharing a car through us is a smart choice for anyone in Finland who needs a car.
Depreciation – The Biggest Cost
The largest individual cost associated with a new car is usually its depreciation.
Every car loses value over time (except for rare collectibles), and the biggest drop happens immediately after purchase.
For example, according to calculations from the Autoalan Tiedotuskeskus used by Kauppalehti, a new family car costing 33,000 € retains only 86% of its value after the first year, 77% after the second year, and 68% after the third. That means the car loses almost a third of its value—or over 10,000 €—in three years.
On a monthly level, this depreciation alone means around 300 € in losses each month for the owner over the first three years. In some cases, particularly for high-end vehicles, depreciation over three years can approach 50%, as unfortunately happened with one unlucky owner.
With GoMore private leasing, depreciation is included in the monthly price—along with financing costs—so you don’t need to worry about it.
Maintenance Costs of an Owned Car
In addition to depreciation, owning a car comes with numerous other costs, many of which are hard to predict. For instance, unexpected repair bills can easily run into hundreds of euros on top of other regular expenses.
When comparing car costs, it's good to consider fuel types. According to calculations by VTT, natural gas, petrol, and electric cars (with subsidies included) tend to be cheaper to own than diesel or plug-in hybrids.
However, in practice, VTT states that fuel type differences are minor when driving habits are similar.
Beyond depreciation, the overall cost of car ownership includes many components. According to insurance company OP, annual costs for a used diesel car can look like this:
Maintenance costs: 400 €/year
Repair costs: 300 €/year
Financing costs (5-year loan): 360 €/year
Inspection costs: 70 €/year
Tire costs (excluding storage): 355 €/year
Fuel costs: 2,349 €/year
Insurance (with bonuses): 564 €/year
Car and power source tax: 634 €/year
If we only include the costs covered in GoMore’s leasing offers (excluding fuel, insurance, and taxes), the yearly maintenance cost for this car would be 1,485 €—or about 123.75 € per month. Add depreciation, and the costs rise even more.
The Bottom Line: Although the cost structure varies between car models and brands, it’s likely that even a mid-priced private lease car costing 300–400 € /month can be a more affordable alternative than ownership—especially once depreciation and maintenance are included.
And best of all: GoMore Leasing cars can always be subleased through our platform, reducing your monthly driving costs even further!
Private Leasing or Hire Purchase?
Have you come across an auto deal with a suspiciously low monthly price?
So have we. Unfortunately, such offers are often misleading at first glance. Comparing them to private leasing—or even to other financing offers—is almost impossible.
If you still want to try, we recommend paying attention to the following points. This example is based on a real offer from a Finnish dealer:
Don’t believe the first price you see – It’s often a starting price that doesn’t include anything from point 3 (hidden fees).
Click through the full pricing details and contract terms on the provider’s site. Often, it’s not possible to review a full breakdown from the main offer page.
When you finally see the cost breakdown, ask what exactly is included—and what other charges might apply.
Here are some hidden fees we found in one such attractive offer:
Down payment or deposit (e.g., 257 €)
Delivery and registration fees (e.g., 89€ )
Account setup and admin costs (e.g., 249 €)
Monthly handling fees (e.g., 12 €/month)
Interest (e.g., 3.78% APR)
Balloon payment at the end (e.g., 10,332€ for a small A-segment car)
Maintenance package (e.g., +42 € /month)
Tire package (e.g., +16 €/month)
Roadside assistance (e.g., +10 €/month)
As you might guess, all these extras—and the services not included in the price—raise the real cost significantly.
So be careful and review the offers thoroughly. If you need help comparing financing and leasing offers, GoMore and our partner LeasePlan are happy to help. You can find our contact information here.
P.S. None of GoMore's private leasing offers include any of the hidden fees listed above. We don’t charge down payments or balloon payments, and our monthly prices always include maintenance, tires, and roadside assistance.
GoMore Private Leasing: More Affordable, Easier, and Clearer
As the comparison above shows, the benefits of private leasing are often significant—especially from a financial perspective.
Through GoMore Leasing, you can drive a brand-new car on a three-year lease contract at a monthly cost comparable to what you'd pay for the depreciation and expenses of owning a car outright over the same period.
Plus, you avoid the risks and hassles of ownership. No unexpected, expensive repairs. No more visits to multiple dealerships negotiating over tires, purchase prices, or trade-in offers. We’ll also handle registration, delivery, and—if you wish—even your car insurance, so you can focus on what truly matters in your life.
Compared to traditional car financing options, our private leasing offers always deliver great value and full transparency. Every GoMore leasing car comes with a comprehensive maintenance package, roadside assistance, both winter and summer tires, delivery, initial registration, depreciation, and financing costs—all included in your fixed monthly price.
You won’t pay any large final payments, deposits, down payments, or account and handling fees. With GoMore Leasing, you only pay the clearly stated monthly rate shown on our website, based on the car, lease period, and mileage you choose. That’s it.
Don’t forget—you can easily and safely rent out your leased car to other GoMore members when you're not using it yourself. Some of our most active leasing customers even cover their entire monthly cost by sharing their car, so we warmly recommend giving it a try!
