Buying a car — walk the process step by step
Don't start with the classifieds. Start with the numbers — in this order you decide once, and well.
Check what you can afford
Before you fall for a specific car, know your real budget — the bank will compute it the same way.
Compute capacity →Compute the instalment for your budget
See how amount, term and rate translate into the monthly instalment and total cost (APR).
Compute the instalment →A company car? Decide: leasing or loan
For a sole trader it's a tax decision — with the new 2026 limits (100/150/225k) and the lump-sum trap. Compute the real cost after the shield.
Compare leasing & loan →Import or buy in Poland?
A car from abroad can be cheaper, but duty, excise, VAT and registration add up. Check the real import cost and car valuation at VARTO.
Check vartocar.pl →Don't forget insurance
Third-party is mandatory, AC is a decision. Compare offers before signing — differences reach hundreds of złoty a year.
An account for the money
Instalments, insurance, fuel — run the car's finances from a fee-free account (a business one for JDG leasing).
Pick an account →