Buying a car is a financial decision, not just an automotive one. We gathered the tools and guides that help you compute the instalment and your creditworthiness, choose between a loan and leasing, and sort out business finances — partly here, partly at our sister finance portal Finumero.
Monthly instalment, total interest and total cost — compute it before the bank.
How much you can really borrow — the bank's method (DStI, KNF buffer).
finumero.pl ↗A company car after the tax shield, with the 2026 caps (100/150/225k).
finumero.pl ↗50/100% VAT, the 100,000 zł cap from 2026, the lump-sum trap — a guide.
A comparison of business accounts: fees, transfers, currencies — no hidden costs.
finumero.pl ↗Mortgage and business loans — how to read the APR and total cost.
finumero.pl ↗Is leasing cheaper than a loan?
It depends on your tax situation. For a business on the tax scale or flat tax, an operating lease usually wins thanks to the tax shield (instalments as costs, VAT spread out), but under the lump-sum tax you cannot deduct costs — and the advantage disappears. As a private buyer, compare the loan's APR with the total cost of consumer leasing.
Is buying a car through the business worth it?
Only if your tax form allows deducting costs (scale, flat). From 2026 the cap on a car's value in costs is 100,000 zł for combustion cars, 150,000 zł for low-emission and 225,000 zł for EVs. You deduct 50% VAT for mixed use or 100% for business-only use (VAT-26 + a mileage log).
How is creditworthiness calculated?
Banks compute the DStI ratio — instalments against net income — with the interest-rate buffer required by KNF. In practice: stable income, low liabilities and a clean BIK history raise your capacity. Get an indicative range in the calculator at Finumero.
Which business account should I choose?
Look at total cost, not the „PLN 0” slogan: conditional card and withdrawal fees, transfer costs (incl. currency transfers), bundled accounting. For car importers a cheap EUR/UAH transfer matters. A comparison of current offers is at Finumero.