Car financing — loan, leasing or rental (2026)
You know what the car is worth — now compute how to pay for it. This calculator computes the loan instalment and APR for a specific price, shows business leasing (with the 2026 tax limits) and honestly describes long-term rental. At the end — real offers to compare.
Compare real loan offers:
Bank Pekao
RRSO* 8,17%
Erste Bank Polska
RRSO* 8,18%
Raiffeisen Digital Bank
RRSO* 8,29%
Commercial links — cash loans per the bank's representative example (a common way to finance used cars; dealer-tied car loans exist for new cars). RRSO* as of 03.08.2026. Not an offer (art. 66 of the Civil Code).
Loan model: equal instalments, commission added to the financed amount, APR computed from the amount paid out (identically to our instalment calculator). Leasing indicative: 10% initial, 36 months, 8%, 1% buyout — from the net price (price/1.23).
Indicative, informational estimates — not an offer or advice. Financing terms are set by the bank/lessor after a creditworthiness assessment.
The full car-buying process — a step-by-step path → Check your borrowing capacity →See also: