Concluding a leasing contract as a retired person can be difficult. Many leasing companies only offer their customers a leasing contract up to retirement age and no further. In many cases, offers made to retirees are only exceptional cases.

Is leasing still possible for retired persons?

By law, seniors have the same right to conclude a car leasing contract as any other person of legal age. However, as is the case for other persons, they must fulfil the corresponding obligations and basic requirements of the “lessor”. These obligations include:

  • An sufficient income
  • A good credit rating

A good credit rating is essential for financing a car. A high credit rating reduces the risk of defaulting on leasing instalments. In addition, it protects the lessor against defaults.

Indeed, the age and state of health of the senior, in relation to the duration of the lease, can quickly become a problem. In the event of death or need of care before the end of the leasing, the retiree’s heirs or guardian must settle the outstanding debts of the leasing. Many people who sign a lease fear the premature death of the senior citizen, who will no longer be able to pay his or her contributions. And it must be said that claiming the money from the heirs is a laborious process. In order to avoid having to do this in the first place, a lease is therefore not issued to retired persons without further legal action. It is the exception rather than the rule.


Most seniors are generally denied a leasing contract. They are considered too much at risk and the danger of non-payment is considered too high.

But the question arises as to what an elderly person should do, whether he or she still feels fit enough and wants to drive his or her own car? For more information, visit the blog "4 driving tips for retired persons".

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