Operational leasing for your professional vehicle

Drive a new vehicle without constraints! Thanks to our partnership with Arval, benefit from all inclusive professional leasing: fixed monthly payments, maintenance, tyres, insurance and assistance included.

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A simple, flexible and all‑inclusive leasing with Arval

A turnkey solution

Choose a new vehicle configured to your needs, with all services included in your contract.

All inclusive fixed monthly payment⁽⁵⁾

A single fee for full budget control: maintenance, assistance, tyres and insurance included.

Total flexibility⁽⁴⁾

Duration, mileage and vehicle options: your contract adapts to your activity.

Support from an expert

Over 25 years of experience, with a BGL advisor and an Arval expert guiding you at each step.

What is operational leasing for professionals?

Operational leasing is a long‑term vehicle rental adapted to the needs of professionals. With Arval, you get a new vehicle with no administrative complexity⁽³⁾⁽⁵⁾.

You choose the vehicle (cars or vans), define the duration and mileage, and pay a fixed monthly fee. A simple formula to control your budget.

Included services:

preventive maintenance and servicing;
administrative management;
mechanical repairs;
insurance and claims management⁽⁵⁾;
tyre management;
24/7 roadside assistance in Europe;
replacement vehicle.

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Your professional operational leasing!

Choose your next professional vehicle from Arval’s wide range: cars, vans… Enjoy a large selection of renowned brands adapted to your needs. Find the ideal model for your activity with all inclusive operational leasing and clear, predictable monthly payments.

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Want a customised model? Configure your vehicle!

Looking for a specific vehicle? Configure it according to your wishes: brand, model, engine type, colour, options… Send your quote directly online to Arval Luxembourg.

Configure a vehicle

Professional operational leasing with Arval – how does it work?

Choose your vehicle

from the Arval catalogue or configure it.

Submit your request online

via our form.

Finalise your contract and pick up your car

from an authorised dealer in Luxembourg.

At the end of the contract: exchange, renew or return without resale concerns.

Operational leasing or financial leasing: which solution suits your activity?

Operational Leasing

The solution for simplified fleet management: a fixed fee including maintenance, tyres, insurance and assistance. You focus on your activity, we handle the rest.

Time‑saving, simplified management
Advantageous Arval‑negotiated prices
All‑inclusive fee (maintenance and repairs)⁽²⁾⁽³⁾
Tax advantage
Storage and replacement of summer and winter tyres
Replacement vehicle
Insurance and assistance 24/7 ⁽⁵⁾
New vehicle configured to your needs

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Financial Leasing

A financing method to acquire professional equipment, including vehicles. This leasing‑credit option finances the vehicle of your choice over a defined period.

Predictable fixed fee
Purchase option at end of contract
Tax advantage
Free management of maintenance, tyres and insurance
New or recent vehicle depending on your budget
100% financing without deposit

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Frequently asked questions about long-term leasing for professionals

Who is long-term leasing for professionals aimed at?

Long-term leasing for professionals is aimed at self-employed and freelance professionals in Luxembourg who hold a Luxembourg VAT number.
What type of vehicle can I rent?

You can rent any new car, van, minivan or commercial vehicle authorised on Luxembourg roads and purchased from a Luxembourg dealer, as well as any luxury car or vehicle weighing more than 3.5 tonnes authorised on Luxembourg roads.
What services are included in my leasing agreement?
Arval Luxembourg offers all-inclusive vehicle leases (excluding fuel) with monthly lease payments covering:
- use of the vehicle,
- servicing and maintenance: regular servicing, mandatory roadworthiness tests, tyre changes (depending on the estimated mileage), replacement of defective parts,
- international insurance and assistance: insurance, material damage cover, 24-hour breakdown service and towing throughout Europe, driver and passenger repatriation, replacement vehicle,
- taxes: registration, tax disc
How are the monthly lease payments for my business vehicle calculated?

Determined in advance, monthly lease payments (60 months maximum) are calculated based on the vehicle’s purchase price and residual value, the lease term, the mileage chosen and operational services.
Is it possible to terminate my contract early?

Yes. Early termination fees will be charged depending on the number of days prior to contractual termination. The agreement can also be transferred to a third party under certain conditions.
Should I cancel the insurance on my old car?

Yes. Insurance is included in our long-term lease offer. You can transfer your old no-claims bonus to your operating lease. Once your previous insurance has been cancelled, simply send your certificate to Arval Luxembourg, which will transfer your no-claims bonus to your car rental.
Can I deduct the cost of my vehicle in my business tax return?

In principle, lease payments for the use of professional vehicles may be deductible. However, if you wish to take out a long-term lease as a self-employed or freelance professional, please refer to the legal and tax framework governing your profession.
What happens if I exceed my contractual mileage?

During the term of the agreement, it’s possible to change the term and mileage (subject to the maximum authorised term and mileage limits for the vehicle in question) up to three months before the vehicle is returned.

The monthly rent is then adjusted. It’s important to estimate your mileage carefully when the agreement is signed. In the event of excess mileage, an amendment to the lease will be proposed, setting out a new lease payment and a new mileage allowance.
What happens if I haven’t accumulated the mileage set out in the agreement?

Any remaining mileage will be reimbursed.
Is it possible to buy the car at the end of the agreement?

Long-term leases don’t include the option to buy the vehicle when the lease term ends. The vehicle remains the property of the lessor, Arval Luxembourg, which is responsible for selling the car on the second-hand market when the agreement expires.

However, if at the end of the lease you wish to purchase the vehicle, Arval Luxembourg may sell it to you at the market price.
What’s the difference between a finance lease and an operating lease?

Financial leasing is a financing solution that lets you finance your purchase while continuing to manage any upkeep, maintenance, repairs, etc.

An operating lease is a more comprehensive long-term solution, including the lease of the vehicle as well as any related costs (insurance, tyres, etc.).

Unlike a finance lease, an operating lease only involves the long-term rental of vehicles.

Interested in operational leasing?

Submit your request online now!

Make a leasing request

(1) This document does not constitute an offer. A leasing contract will only be concluded subject to the analysis of your file by BGL BNP Paribas S.A. and acceptance of your file by the lessor, Arval Luxembourg S.A., and will always be subject to its general terms and conditions.
(2) Offer subject to conditions, reserved for liberal professions and self‑employed persons with a Luxembourg VAT number and who are clients of BGL BNP Paribas S.A. Subject to file analysis by BGL BNP Paribas and file acceptance by Arval Luxembourg.
(3) The monthly rental prices (excl. VAT) are indicative and subject to (i) taxation, the residual value of the vehicle determined by the lessor, the interest rate, and the catalogue value of the vehicle, as well as (ii) any modifications to the configuration and equipment of the vehicle.
The monthly rental price (excl. VAT) depends on the agreed duration and mileage.
The monthly rental includes: maintenance, repairs, one change and storage of summer and winter tyres depending on wear, the circulation tax, depreciation and interest, European assistance service, a replacement vehicle of a lower category for any immobilisation over 24 hours, the Perfecta service (coverage by Arval Luxembourg S.A. of the risk of damage, total loss or theft) with application of a deductible chargeable to the lessee under conditions, and insurance (civil liability insurance, legal protection, and driver insurance).
Not included: fuel and electricity costs, traffic fines. CO₂ rates are also indicative and depend on selected options and/or data provided by the manufacturer.
At the end of the contract, extra kilometers will be invoiced at the price indicated in the leasing contract. In case of early termination, a cancellation fee will be charged. No purchase option.
Equipment and delivery times depend on availability from the manufacturer and/or importer and on the selected configuration.
(4) Other durations and mileage options possible with rental adjustment. On request.
(5) Insurances include legal protection insurance, driver insurance, and civil liability insurance. These insurances are included in the leasing price.
(6) Monthly rental prices are indicative and may change subject to (i) changes in taxation, the vehicle’s residual value determined by the lessor, the catalogue value of the vehicle, and the options, configuration and equipment of the vehicle, as well as (ii) any modification of the configuration and equipment.