Financing
Leasing, loans and rental — matched to your situation, not to an advert
We do more than sell cars. As a legal and financial advisory we compare Vehis and bank offers, calculate the total cost rather than just the instalment, and handle the paperwork through to signing — for businesses and private customers alike.
Financing options
Four routes to the same car
Each makes sense in a different situation. Our adviser will help you choose — without pushing you towards the most expensive one.
Operating lease
The most popular way to finance a company car. Instalments are tax-deductible, VAT is settled on each instalment, and the deposit starts from 0%. At the end of the term you buy the car for a pre-agreed amount or swap it for a new one.
- Decision in 24–48 h
- Deposit 0–45%
- Term of 24–60 months
- Simplified procedure up to PLN 250,000
Consumer lease
Leasing for private customers — a lower instalment than a loan, because part of the car's value remains as a balloon payment at the end. The contract requires only an ID card and a statement of income, with no charge over property.
- No business registration required
- Lower instalment than a loan
- Balloon of 1–35% of the value
- Early repayment possible
Car loan
The car is your property from the first day, with the bank taking security over the vehicle. We compare offers from several banks, negotiate the arrangement fee and choose equal or decreasing instalments. We submit the application for you.
- Term of up to 10 years
- Equal or decreasing instalments
- No deposit required
- Overpayments with no fee
Long-term rental
One fixed monthly payment that covers servicing, tyres, insurance and a courtesy car. After 2–4 years you hand the car back and take the next one. Ideal for fleets and anyone who does not want to think about resale.
- Servicing and tyres included
- Third-party and comprehensive insurance included
- Courtesy car
- No residual-value risk
Calculator
Calculate a payment in 10 seconds
Enter the car price, choose the term, deposit and balloon payment. The result is indicative — an exact offer with a specific interest rate will be prepared by our adviser after a credit assessment.
How it works
From enquiry to keys in a few days
- 1
Choose a car
From our stock, or name a specific model — we will check whether it is available for leasing and at what price from partner dealers.
- 2
Calculate a payment and send an enquiry
The calculator gives an indicative result in seconds. Within one working day our adviser comes back with two or three specific offers to compare.
- 3
Documents and decision
ID card, a statement of income or company documents. We submit the application for you — the decision usually comes within 24–48 hours.
- 4
Signing and collection
You sign the contract remotely or at our office. We register and insure the car and deliver it to the address of your choice.
FAQ
Financing questions
Didn't find your answer? Call us on 797 297 672 or write to us via the contact form.
For a company: registration documents, an ID card and — above a certain amount — financial statements for the last year. For a private customer: an ID card and a statement of income. Everything can be sent remotely.
Yes. Vehis finances used cars up to 10–12 years old at the end of the contract. Most cars in our stock meet these criteria — every listing shows an indicative monthly payment.
The calculator works out the payment from the price, term, deposit and balloon at an average interest rate. A specific offer depends on your creditworthiness, the age of the car and the current WIBOR rate — our adviser will prepare it within one working day.
Yes — we handle lease transfers, early buyouts and refinancing. As a legal and financial advisory we will also review your contract for hidden costs.