s-Leasing

What s-Leasing does

s-Leasing is an Austrian consumer vehicle leasing provider, founded in 2002 and headquartered in Vienna, operating as a brand within the Erste Group banking ecosystem. The company delivers a fully digital, direct-to-consumer leasing funnel spanning online rate calculation (Sofortrechner), vehicle selection from any Austrian dealer, video identification (via IdNow) with Qualified Electronic Signature for 15-minute online contract signing, and post-sale servicing through the e-Leasing24 mobile app and a service hotline. Its core product, Kfz-Leasing, finances new and used passenger vehicles, trucks, and motorcycles for private individuals (primary segment) and business/fleet customers (secondary segment), with revenue generated from recurring monthly lease payments based on the vehicle's depreciation plus an interest component, and supported by bundled insurance through Wiener Städtische and a Leasingprotect payment-protection add-on.

The commercial proposition is a complete, brand-independent package combining financing, insurance, and registration from a single counterparty, eliminating the need for customers to coordinate multiple providers. To reinforce retention beyond the contract term, s-Leasing operates the Vorteilswelt free benefits ecosystem spanning fuel (OMV, Avanti, DISKONT), EV charging (OMV eMotion, Ladeleistung.at), vehicle service (Bosch, Lucky Car, Carglass, FORSTINGER), tires (Hyundai partner network), travel (Urlaubsplus), rental (Avis), and driving schools (Fahrschulen Rainer), with benefits accessible via a free Vorteilswelt card with fuel/charging functions. The annual Autokatalog (2026 edition in market) and periodic Leasing-Hits (currently a Ford portfolio spanning electric and hybrid models from €205-€275/month) serve as top-of-funnel acquisition assets.

Geographically, s-Leasing serves Austria exclusively, relying on digital direct channels (web, app, phone) rather than a physical branch network, with vehicle sourcing open to any dealer nationwide. Business model economics are recurring (subscription-like) and balance-sheet-intensive, leveraging Erste Group's capital base. The company is privately held and operates with 101-250 employees; explicit revenue, headcount growth, or geographic expansion signals beyond Austria are not disclosed in the available sources.

Name

s-Leasing

Legal name

s Leasing

Website

https://s-leasing.at

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

11–50 employees

Short description

s-Leasing is an Austrian direct-to-consumer vehicle leasing provider, part of Erste Group, offering brand-independent car, truck, and motorcycle leasing to private and business customers via a fully digital funnel, bundled with insurance and a multi-partner Vorteilswelt loyalty ecosystem.

Ownership category

akta.pro rank

Product category

Vehicle Leasing Services

NAICS

Passenger Car Leasing (532112), Automotive Equipment Rental and Leasing (5321), Passenger Car Rental (532111)

SIC

Finance Lessors (6172), Services-Auto Rental & Leasing (No Drivers) (7510)

akta.pro primary industry

Auto & Vehicle Leasing (Personal Use) (FSAKANAA)

akta.pro secondary industries

Consumer/Private Lease & Subscription (Personal Contract Hire) (TLABAAAC), Leasing & Lease Buyout Financing (FSAKADAC), Long-Term Car Rental (Monthly/Extended Hire) (TLABAAAD), Subscription & Product-as-a-Service Consumer Leasing (FSAKANAK), Long-Term / Fixed-Term Car Subscriptions (6–36 months) (THADACAD)

Keywords

• Vehicle leasing services
• Auto financing
• Mobility subscriptions
• Fleet leasing
• Consumer vehicle finance

Headquarters

HQ city

Vienna

HQ country

Austria

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Others

Revenue model

1. Vehicle Leasing Financing: s-Leasing generates revenue primarily through monthly leasing payments from customers. Customers pay only the depreciation value of the vehicle during the lease term, not the full purchase price. Revenue is generated from the spread between the vehicle's original value and its residual value at end of lease, plus interest components in the monthly payments.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

s-Leasing provides consumer and business vehicle leasing in Austria, covering Kfz-Leasing (car leasing), LKW-Leasing (truck leasing), and Motorrad-Leasing (motorcycle leasing) via a digital-first direct-to-consumer platform. Customers can finance any vehicle purchased from any dealer in Austria through a streamlined online process, with bundled insurance products (payment protection via Leasingprotect and vehicle insurance via Kfz-Versicherung) and predictable monthly subscription payments.

Product overview

s-Leasing is an Austrian vehicle leasing company offering a portfolio of consumer-facing services centered on Kfz-Leasing (vehicle leasing) as the core product. The portfolio includes Leasing-Hits (promotional fixed-rate vehicle deals, currently featuring Ford models), Vorteilswelt (a free benefits program providing discounts on fuel, EV charging, vehicle services, travel, and rentals), the Leasing-Sofortrechner (online rate calculator), Antrag online zeichnen (digital application with video-identification and e-signature), Leasingprotect (payment protection insurance), Kfz-Versicherung (partner insurance via Wiener Städtische), e-Leasing24 (mobile app for contract management and partner access), and the Autokatalog (annual vehicle catalog). The company operates as a brand of Erste Group and provides brand-independent advisory services with bundled financing, insurance, and registration.

Differentiator

Problem solved

Functional benefit

Brands

• e-Leasing24: Service app for customers to access contract data, communicate with s Leasing, receive news, access partner discounts and locations.

Products and services

• Kfz-Leasing Core car leasing product for Austrian private and business customers, providing monthly subscription-style payments to finance passenger vehicles sourced from any dealer in Austria.
• Leasing-Hits Promotional leasing deals on selected vehicles (e.g., Ford Puma Gen-E at €221/month) offering discounted, pre-configured monthly rates on partner-bundled models.
• Vorteilswelt Customer benefits and loyalty program for s-Leasing customers that bundles partner offers and discounts for use alongside an active leasing contract.
• Leasingprotect Payment protection insurance that can be bundled into a leasing contract, providing financial cover to the lessee in case of involuntary loss of income during the lease term.
• Kfz-Versicherung Vehicle insurance product that can be combined with a leasing contract, providing motor insurance cover for the financed vehicle, distributed in cooperation with partner insurers.
• e-Leasing24 App Mobile application giving customers digital access to their leasing contract, document storage, the Sofortrechner calculator, and the Vorteilswelt benefits program.

Quantifiable outcome

• 2 cents per liter fuel discount at partner stations
• +7 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

14 partnerships are on record, tiered core and minor.

• OMVcoreGTM or Marketing PartnerFuel station partner for Vorteilswelt program. Customers can pay cashlessly and receive 2 cents per liter discount. Additionally, OMV eMotion charging stations offer discounted electricity rates for EV owners with the Vorteilswelt card.
• AvantiminorGTM or Marketing PartnerFuel station partner for Vorteilswelt cashless payment and 2 cents per liter discount program.
• DISKONT Tankstellen (HOFER)minorGTM or Marketing PartnerDiscount fuel station partner at HOFER parking lots for Vorteilswelt benefits including cashless payment and fuel discounts.
• UrlaubspluscoreGTM or Marketing PartnerTravel partner offering 5% cashback on package holidays, cruises, vacation homes, and hotels. Booking available via phone (+43 1 2530510) or online. Includes best price guarantee.
• Bosch-Service PartnerbetriebecoreGTM or Marketing PartnerCar service and repair network with 5% labor discount and 15% off Bosch parts. Includes free courtesy car (100km+), pickup/delivery service, cleaning, and §57a inspection with annual service. Reduced deductibles for collision damage claims.
• Lucky CarcoreGTM or Marketing PartnerCar body and paint specialist with 60+ locations across Austria. Benefits include €100 fuel voucher for repairs over €750, free tire storage, and discounted stone chip repairs. Summer 2026 action: free air conditioning disinfection with every AC service.
• CarglassminorGTM or Marketing PartnerWindshield repair (30 minutes) and replacement specialist. Benefits include minimum €100 reduced deductible on windshield replacement and attractive self-pay rates.
• FORSTINGERminorGTM or Marketing PartnerCar service chain with 69 branches across Austria. Discounts on workshop services, spare parts, and car accessories. Loyalty card presented at checkout for savings.
• Ladeleistung.atminorGTM or Marketing PartnerEV charging equipment specialist offering 10% discount on mobile charging stations, wallboxes (Home Chargers), and charging cables. Includes free delivery in Austria over €100 and optional electrician appointments.
• Avis AutovermietungminorGTM or Marketing PartnerCar rental partner offering up to 20% discount on passenger vehicles worldwide (5,500+ stations in 165+ countries). Use AWD code O478800 or book through dedicated link for automatic discounts.
• Fahrschulen RainerminorGTM or Marketing PartnerDriving school with 8 locations in Vienna. Vorteilswelt customers receive €100 discount on new enrollment for Class B, Class B with L, or Class AB licenses.
• Wiener Städtische VersicherungcoreChannel Partner/ Reseller/ DistributorInsurance partner for vehicle insurance products. Offers liability insurance (€30 million coverage), comprehensive insurance covering accidents, theft, vandalism, glass breakage, natural disasters, and additional coverage including driver accident insurance, legal protection, and 24/7 roadside assistance.
• IdNowcoreTechnology or IntegrationGovernment-certified video identification service enabling electronic identity verification for online contract signing. Uses video call with passport, ID card, or Austrian driver's license for identity verification and Qualified Electronic Signature (QES).
• HyundaiminorChannel Partner/ Reseller/ DistributorTire partner mentioned in Reifenhändlerverzeichnis (tire dealer directory). Customers with tire option in contract can obtain 4 summer and 4 winter tires including balancing and mounting at contract tire dealers. Unused tires refunded at end of contract.

Scale indicators1 record

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• LeasePlan: One of the world's largest vehicle leasing and fleet management companies (now part of ALD/Societe Generale group), operating across Europe. Directly comparable as a multi-brand vehicle leasing provider serving both private and business customers, with a broader geographic footprint than s-Leasing.
• ALD Automotive: Major European full-service vehicle leasing and fleet management provider, part of Societe Generale group. Comparable as a multi-brand leasing company offering operational leasing, fleet management, and integrated mobility services to corporate and private customers across Europe.

Direct peers

• Volkswagen Financial Services: Captive finance arm of the Volkswagen Group, offering leasing, financing, and insurance across VW, Audi, Porsche, Skoda, and other brands in Austria. Direct competitor for new-vehicle consumer leasing, particularly within the dominant VW brand-loyal customer segment.
• BMW Financial Services: Captive finance provider for BMW and MINI in Austria, offering consumer and business leasing solutions. Direct competitor in premium vehicle leasing, leveraging manufacturer subsidies that s-Leasing cannot access.
• Mercedes-Benz Financial Services Austria: Captive finance and leasing arm of Mercedes-Benz in Austria, offering consumer and fleet leasing for the Mercedes-Benz brand portfolio. Competes directly in the premium consumer leasing segment with brand-loyalty advantages.
• Raiffeisen Leasing Austria: Austrian leasing subsidiary of the Raiffeisen banking group, offering vehicle and equipment leasing to private and business customers. Comparable as a banking-affiliated multi-product leasing provider operating in the same Austrian market with similar institutional distribution advantages.
• UniCredit Leasing Austria: Austrian leasing entity of UniCredit Group (Bank Austria), offering vehicle leasing and fleet management services. Comparable as a banking-group-affiliated vehicle lessor competing for the same Austrian private and business customer segments.
• Toyota Financial Services Austria: Captive finance arm of Toyota in Austria, offering consumer leasing for Toyota and Lexus vehicles. Direct competitor in consumer vehicle leasing, with hybrid powertrain expertise relevant to Austria's electrifying market.
• Santander Consumer Bank Austria: Austrian consumer finance arm of Santander, offering auto loans and vehicle leasing to private customers. Comparable as a multi-brand consumer vehicle financing provider competing directly for the same private Austrian customer base.
• Hyundai Capital Austria: Captive finance provider for Hyundai and Kia in Austria, offering consumer leasing products. Direct competitor in new-vehicle consumer leasing with brand-loyalty advantages within the Hyundai/Kia customer cohort.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/ErsteBankundSparkassenLeasing
• LinkedInlinkedin.com/company/erste-bank-und-sparkassen-leasing-gmbh

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about s-Leasing