PORSCHE LEASING D.O.O.

What PORSCHE LEASING D.O.O. does

Porsche Leasing d.o.o. is a Croatian private limited company (d.o.o.) registered in Zagreb (Velimira Škorpika 21), operating as the captive vehicle financing arm of Porsche Holding Salzburg (Austria), which is itself part of the Volkswagen Group. The company finances new and used vehicles across the full VW Group brand portfolio in Croatia — Volkswagen, Audi, ŠKODA, SEAT, CUPRA, VW Commercial Vehicles, and Porsche — as well as used vehicles distributed through the DasWeltAuto and Mobifinance certified dealer networks. Its two core products are financial leasing (Operativni leasing: pay-to-use with vehicle return) and financial leasing (Financijski leasing: installment financing with ownership transfer, plus a "Financijski leasing plus" variant with an enlarged final installment). Operational leasing transfers 100% of residual-value risk to Porsche Leasing. The company does not operate a proprietary technology platform beyond the PLB2C online client portal for contract/invoice visibility and SEPA direct debit for automated monthly collections. Underwriting, funding, and group-level standards are inherited from Porsche Bank AG / Porsche Holding Salzburg; banking services are provided by Raiffeisenbank Austria d.d., Zagreb.

The business model is recurring-revenue leasing: customers pay monthly installments over 12–84 month terms (financial) or 36–60 month terms (operational), with a one-time €99 contract processing fee, interest on the financed amount, and optional bundling of maintenance (Servis, topSERVIS, Održavanje up to 250,000 km, tires), compulsory and comprehensive insurance (via Porsche Versicherungs AG – Zagreb Branch, Adriatic osiguranje d.d., and Croatia osiguranje d.d.), registration, and road tax into a single monthly invoice. Go-to-market is exclusively indirect: distribution runs through authorized VW Group dealers and certified service partners across Croatia, supplemented by brand-specific promotional campaigns (AUDI PROGRESSIVE, MOJA ŠKODA, Volkswagenijalna!, CUPRA 4 OF THEM, Promo leasing, 50% SADA 50% ZA DVIJE GODINE) with fixed rates from 4.99%. Customer segments are both private individuals (retail consumers buying/leasing VW Group vehicles) and SMEs/enterprises (fleet financing and operational leasing); management consists of board members Danijel Pasarić and Juraj Vrban. The company is private, not publicly listed, and does not disclose revenue.

Name

PORSCHE LEASING D.O.O.

Legal name

Porsche leasing d.o.o.

Website

https://porscheleasing.com.hr

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Porsche Leasing d.o.o. is the captive Croatian financing arm of Porsche Holding Salzburg, providing financial and operational leasing, plus bundled maintenance and insurance, for VW Group brand vehicles (VW, Audi, ŠKODA, SEAT, CUPRA, Porsche) distributed exclusively through authorized dealers across Croatia.

Ownership category

akta.pro rank

Product category

Vehicle Leasing and Auto Financing

NAICS

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

SIC

Services-Auto Rental & Leasing (No Drivers) (7510)

akta.pro primary industry

Consumer/Private Lease & Subscription (Personal Contract Hire) (TLABAAAC)

akta.pro secondary industries

Corporate/Enterprise Car Leasing (Closed-End/Open-End) (TLABAAAA), Used Vehicle Leasing (Pre-Owned Lease Programs) (TLABAAAG), Leasing & Lease Buyout Financing (FSAKADAC)

Keywords

• Vehicle leasing
• Auto financing
• Operational leasing
• Financial leasing
• Fleet financing

Headquarters

HQ city

Zagreb, Zagreb

HQ country

Croatia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Financial Leasing: Customers finance vehicles through financial leasing with repayment terms of 12 to 84 months. Upon full payment of all installments and a buyout rate of €150, ownership transfers to the customer. Interest is charged on the financed amount; participation/down payment is not interest-bearing.
2. Operational Leasing: Customers pay monthly leasing fees to use a vehicle without ownership transfer. The vehicle is returned at contract end. Monthly fees can include bundled services such as maintenance, tires, insurance, registration, and road tax. Risk of residual value is fully borne by Porsche Leasing.
3. Vehicle Maintenance Services: Add-on maintenance packages (SERVIS, topSERVIS, ODRŽAVANJE) bundled into monthly leasing payments, covering regular servicing, tires, registration, insurance, and road tax. Revenue is earned as part of the bundled monthly fee.
4. Insurance Integration: Porsche Leasing integrates compulsory and comprehensive insurance into leasing packages, partnering with Porsche Versicherungs AG – Zagreb Branch, Adriatic osiguranje d.d., and Croatia osiguranje d.d. Insurance premiums are included in monthly payments.
5. Contract Processing Fee: A one-time contract processing fee (trošak obrade) of €99 is charged at signing, applicable to both financial and operational leasing.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Porsche Leasing d.o.o. provides vehicle financing and leasing solutions for new and used vehicles of VW Group brands in Croatia, offering financial leasing (with ownership transfer after final installment) and operational leasing (use of vehicle with bundled services and residual value risk retained by the lessor). The company complements financing with optional maintenance packages, insurance integration, registration and road tax, and provides an online client portal and SEPA direct debit for installment collection.

Product overview

Porsche Leasing d.o.o. is a Croatian vehicle leasing company offering a comprehensive suite of financing and vehicle management solutions. The core products include Operativni leasing (Operational Leasing) for using vehicles without ownership and Financijski leasing (Financial Leasing) for acquiring vehicle ownership. The company provides add-on service modules including Servisno održavanje, topSERVIS, and Održavanje for comprehensive vehicle maintenance coverage up to 250,000 km. Additional digital services include Online uvid for contract management and SEPA direct debit for automated payments. The company also runs promotional financing campaigns for Volkswagen, Audi, Škoda, Cupra, and Porsche brands, including offerings for used vehicles through DasWeltAuto. Services are delivered through an authorized dealer network across Croatia.

Differentiator

Problem solved

Functional benefit

Products and services

• Financial Leasing (Financijski leasing) Vehicle financing product where the customer pays monthly installments over 12–84 months and, upon full repayment plus a €150 buyout rate, becomes the vehicle owner. Available with optional larger final installment (Financial Leasing Plus) for lower monthly payments. The financed vehicle is recorded as an asset of the lessee.
• Operational Leasing (Operativni leasing) Long-term vehicle usage product (36–60 months) where the customer pays a monthly fee to use a vehicle without ownership; at contract end the vehicle is returned to Porsche Leasing. Monthly fees can bundle maintenance, tires, insurance, registration and road tax. Residual value risk is fully borne by Porsche Leasing.
• Service & Maintenance Bundle (Servis&Održavanje) Combined service and maintenance offering included in operational leasing contracts, covering regular vehicle maintenance, tires, tire storage, registration, technical inspection, road tax and insurance premiums, provided through the authorized brand service network in Croatia.
• Online Lease Contract Access (PLB2C Portal) Free online portal for existing customers of Porsche Leasing d.o.o. allowing 24/7 access to leasing invoices, reminder invoices, repayment plans, informative final settlement statements and contract activation/expiry dates.
• SEPA Direct Debit (SEPA izravno terećenje) Free automatic payment service for monthly leasing installments using SEPA direct debit, eliminating the need for online banking or bank visits; arranged by contacting Porsche Leasing via email or phone, with the customer's bank mandate set up by the company.

Quantifiable outcome

• Operational leasing transfers 100% of residual value risk to Porsche Leasing, allowing customers to return vehicles without end-of-contract risk.
• +2 more outcomes

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered core and minor.

• Porsche Versicherungs AG – Podružnica ZagrebcoreOthersPorsche Versicherungs AG Zagreb Branch provides comprehensive (kasko) insurance integrated into leasing packages. The company issues €130 vouchers for kasko insurance policies valid for the first year of financing across multiple promotional campaigns (AUDI PROGRESSIVE, ŠKODA, Volkswagenijalna!, CUPRA, Promo Leasing). Insurance is bundled into monthly payments.
• Adriatic osiguranje d.d.minorOthersAdriatic osiguranje d.d. provides compulsory vehicle insurance (osiguranje od automobilske odgovornosti) for the Promo Leasing used vehicle financing campaign, including driver and passenger coverage. This is a partner insurer for the used vehicle promotion only.
• Croatia osiguranje d.d.minorOthersCroatia osiguranje d.d. provides compulsory vehicle insurance for the CUPPA 4 OF THEM promotional campaign, integrated into the leasing package for the first year.
• VW Group Brands (Volkswagen, Audi, ŠKODA, SEAT, CUPRA, VW Commercial Vehicles, Porsche)coreChannel Partner/ Reseller/ DistributorPorsche Leasing d.o.o. is the captive financing provider for all VW Group brands in Croatia. Authorized dealers for Volkswagen, Audi, ŠKODA, SEAT, CUPRA, VW Commercial Vehicles, and Porsche present Porsche Leasing financing products at the point of vehicle sale. Each brand has dedicated dealer networks and online brand portals.
• Das WeltAuto / Mobifinance (Certified Used Vehicle Dealers)coreChannel Partner/ Reseller/ DistributorDas WeltAuto is the VW Group's certified used vehicle program. Porsche Leasing provides Promo Leasing financing for used vehicles sourced from the DasWeltAuto and Mobifinance networks. Mobifinance is a network of approved used vehicle dealers selected by Porsche Leasing (including Horvat Automobili, Transauto, AS Kramar, Auto Prikratki, Auto Remetinec, and others).

Scale indicators3 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• SB Leasing (Société Générale): Croatian vehicle and equipment leasing provider backed by Société Générale. Targets retail and corporate clients with competitive offerings, similar in scope to Porsche Leasing's bundled operational leasing products.
• VW Group competitors' captives (e.g., BMW Financial Services Croatia, Mercedes-Benz Financial Services Croatia): Captive financing arms of competing OEMs (BMW, Mercedes-Benz, Toyota) operating in Croatia. They replicate the same dealer-anchored captive finance model for their own brand portfolios, competing for the same auto loan/lease demand pool.
• OTP Leasing (Croatia / Hungary): Hungarian-owned captive-style and independent vehicle/equipment leasing provider active in Croatia. Competes for both consumer and corporate vehicle leasing, with similar product structures (operational and financial leasing).
• Volkswagen Leasing doo (Sibling Porsche Holding subsidiaries): Other Porsche Holding Salzburg captive leasing entities (e.g., in Hungary, Romania, Slovakia, Slovenia) operating the identical VW Group-brand captive financing model in adjacent CEE markets. Direct functional peers with nearly identical product offerings.
• Erste Leasing (Croatia): Croatian subsidiary of Erste Group leasing. Provides vehicle and equipment leasing for individuals and businesses, with similar term structures (typically 36-84 months) and bundled service offerings. One of the larger non-captive competitors in the Croatian market.
• PBZ Leasing (Privredna banka Zagreb Leasing): Bank-affiliated Croatian leasing provider owned by Intesa Sanpaolo. Offers vehicle and equipment leasing to corporate and retail clients, drawing on parent bank deposit funding and competing for both consumer auto finance and corporate fleet deals.
• UniCredit Leasing Croatia: Bank-affiliated leasing subsidiary of UniCredit Group in Croatia. Provides vehicle and equipment leasing with focus on SME and corporate clients, directly competing with Porsche Leasing's B2B operational leasing offering.
• Raiffeisen Leasing (Croatia): Major Croatian non-captive leasing competitor focusing on vehicle and equipment financing for corporates and SMEs. Operates through similar dealer and direct sales channels and competes directly for the same Croatian fleet and equipment leasing customers.

Broad incumbents

• Porsche Bank AG (Austria): Direct parent company of Porsche Leasing d.o.o. Operates the same captive financing model for VW Group brands across Austria and several European markets, sharing product structures, IT infrastructure, and operational standards.

Emerging players

• ALD Automotive / LeasePlan (operational leasing fleets): Independent multi-brand operational leasing providers (LeasePlan, ALD Automotive, Sixt Leasing) that increasingly target corporate fleet customers in CEE. They compete for operational leasing mandates specifically — the B2B segment where Porsche Leasing is most exposed.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Customer concentration

• LinkedInlinkedin.com/company/porsche-leasing-d.o.o.

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 PORSCHE LEASING D.O.O.