Car leasing in France for international residents

Who can apply

Our eligibility criteria are strict. They reflect what French banks require for car financing in France. If you do not meet these criteria, we will not be able to help you at this stage.

Not eligible? Examples we cannot finance: CDD (fixed-term contract), intérim, unemployed, student, retired, French Kbis less than one year old without balance sheet, businesses without a certified balance sheet.

What we finance

For international residents, we currently offer one financing solution: LOA (Lease with Purchase Option), the French equivalent of a UK PCP (Personal Contract Purchase).

• Fixed monthly rentals for 24, 36, 48 or 60 months
• Annual mileage choice: from 10,000 to 30,000 km per year
• Down payment optional (0% accepted for most profiles)
• At the end of the contract: keep the car by paying the fixed purchase option, or return it and walk away
• Any brand, any model, new or used (less than 5 years old at start of contract)
• Electric vehicles eligible with cumulative subsidies (bonus écologique 2026, prime à la conversion, regional aids)

How it works

1. Send us a WhatsApp message with your situation (employment, target vehicle, budget). We confirm if you are eligible within 24 hours.
2. Send your supporting documents via WhatsApp (encrypted, secure). We submit your file to our partner banks within 48 hours.
3. We negotiate the best offer from several French banks. You receive a clear written proposal with rate, monthly rental and final purchase option.
4. Electronic signature and delivery. The vehicle is delivered to your address (anywhere in mainland France) within 4 to 16 weeks, depending on the model.

Why ATMO LEASE for international residents

• Multi-bank broker: we compare several French partner banks (CGI Finance, Cofidis, Sofinco, Cetelem, Younited, captive constructor banks) to get you the best rate for your profile.
• Multi-brand: any vehicle, any brand, through our network of car dealers (mandataires) with negotiated prices.
• English-speaking advisor on WhatsApp 7 days/week. Message only, not phone. Quick replies during business hours.
• French regulated: ATMO LEASE is an ORIAS-registered broker (n° 24 006 887). Full legal compliance with French consumer credit law.
• Office near Paris: Levallois-Perret (92300). You can come in person for contract signing if preferred.
• Help with cumulative subsidies for electric vehicles (bonus écologique 2026, prime à la conversion, regional aids).

Eligibility check, by WhatsApp message only

The fastest way to know if we can help you is to send us a short WhatsApp message with:

• Your employment status (CDI start date, employer, role)
• Your monthly net income
• Your target vehicle (brand, model, new or used)
• Your target monthly budget

We reply within a few hours during business days. By message only, please do not call — our advisors handle English files via WhatsApp written communication for accuracy and document exchange.