By TLM Motors
Car Leasing in Tunisia: A Practical Financing Guide for 2026
What is car leasing?
Car leasing lets you use a new vehicle while the finance provider retains ownership during the agreement. You make the agreed payments and, depending on the contract, may be able to buy or return the vehicle at the end.
The difference from a car loan: a loan finances a purchase, while a lease provides use of the vehicle with any purchase option governed by the lease agreement.
Potential advantages for a Tunisian buyer
- Predictable budgeting: fixed monthly payments where specified in the contract.
- A lower initial outlay: the required deposit depends on the lender and applicant.
- Flexibility: changing vehicles after a three- or four-year agreement may be possible.
- End-of-contract options: a return option may remove the need to sell the car yourself, if your agreement allows it.
Eligibility and contract conditions in Tunisia
The conditions below are common examples, given for guidance only: each leasing company sets its own eligibility rules and document requirements. Always confirm the exact conditions with the provider you choose.
- Duration: agreements may run for 24–60 months depending on the provider; ask which terms are available.
- Deposit: varies by financial institution and applicant profile.
- Documents often requested (examples): national identity card, recent payslips, bank statements and an employment certificate — the exact list depends on the provider and your profile.
- Applicants typically considered: employees, self-employed people, professionals and businesses, subject to the provider's assessment.
Questions to ask a leasing provider
Before signing, ask these questions so you can compare offers on an equal footing:
- What is the exact first payment and monthly payment, including insurance and administration fees?
- What is the contract duration, and is there a purchase option at the end? At what price?
- What residual value is used, and how is it calculated?
- Which insurance is mandatory under the contract, and is it included in the monthly payment?
- What fees apply for early repayment, exceeding the mileage limit, or returning the vehicle?
- What documents are needed to complete the application, and what is the typical processing time?
Comparing the total cost of a lease
To compare two leasing offers meaningfully, don't look only at the advertised monthly payment. Add up, over the full contract term: the first payment, the total of all monthly payments, administration fees, the cost of required insurance and, where applicable, the purchase option price or residual value. Two offers with similar monthly payments can have very different total costs depending on the contract duration and the residual value used.
Illustration: dividing the remaining Bestune purchase price
| Model | Advertised starting price incl. tax | 20% deposit | Remaining capital ÷ 36† |
|---|---|---|---|
| Bestune B70 | 94,970 TND | 18,994 TND | About 2,110 TND/month† |
| Bestune T77 | 95,777 TND | 19,155 TND | About 2,128 TND/month† |
| Bestune T90 | 99,990 TND | 19,998 TND | About 2,222 TND/month† |
† This simply divides the remaining capital (advertised price minus deposit) by 36. It excludes interest, insurance, administration fees and residual value and is not a lease payment quotation. Prices are advertised starting prices subject to written confirmation from TLM Motors. Actual payments depend on the finance provider, applicant and contract. Ask TLM Motors for a personalised quote.
Choose your leasing provider
TLM Motors works with all leasing companies in Tunisia and supports your application with the provider of your choice.
Business and personal leasing
For businesses and professionals, accounting treatment depends on the lease classification. Under Tunisian accounting standard NC 41, paragraph 18, a finance lease is recognised as both an asset and a liability in the lessee's balance sheet at the start of the lease. Operating leases have a different treatment. Leasing should therefore not be described as automatically off-balance-sheet financing.
Tax treatment depends on the applicable rules and your circumstances: have your accountant review the agreement and its accounting treatment. For individual buyers, compare the total cost, monthly payments and purchase-option conditions.
Going further
Compare Bestune models with the TLM Motors comparison tool, read our new car buying guide, or check the after-sales service details before signing a lease. Visit the Tunis or Sousse showroom to discuss your options.
Frequently asked questions
Can I buy the vehicle at the end?
Where the agreement includes a purchase option, its price and conditions are set in the contract. Check the residual value and any final fees before signing.
What happens if the car is damaged or written off?
Comprehensive insurance is generally required. Any payment to the lessor and any remaining amount payable depend on the insurance policy and lease agreement.
Is there a mileage limit?
The agreement may include a mileage cap and charges for exceeding it. Discuss your expected use with TLM Motors and the finance provider.
Request a personalised financing illustration
TLM Motors advisers can help you explore financing options for your situation.
Information is indicative and does not constitute a contractual offer. Prices, equipment and availability may change. TLM Motors — Official FAW Bestune importer in Tunisia.