ul. Południowa 22, 26-010 Bodzentyn
+48 608 317 444
TRUST CAR Jakub Winczakiewicz
Financing
Our company is an authorized partner with many banks, which enables fast and favorable vehicle financing. Our financing procedures are simplified, minimizing paperwork. Our representatives do not require financial or registration documents from the company to make a decision.
The financing options we offer for vehicles are:
Car Leasing
Car Leasing: This is a form of vehicle financing that allows for its use without the immediate obligation to purchase. The leasing company (the lessor) buys the car and then makes it available for use by the lessee (an individual or business) for a specified period in exchange for monthly installments. Leasing is especially popular among entrepreneurs, as it enables them to use a vehicle for business purposes without requiring a large financial investment.
Types of Car Leasing:
- Operating Lease – the most popular type, especially among businesses. In an operating lease, the vehicle remains the property of the leasing company for the entire term of the agreement, and the lessee only uses it. The cost of the lease payments can typically be deducted as business expenses. At the end of the lease term, the lessee may purchase the vehicle for a pre-agreed amount (usually the residual value).
- Financial Lease – similar to a loan. In a financial lease, the vehicle is treated as the lessee’s property, and at the end of the agreement, the lessee automatically becomes the owner of the vehicle. Lease payments include the vehicle’s value, so no additional buyout is required.
- Consumer Leasing – aimed at private individuals who do not run a business. It is less popular than operating or financial leasing but works on similar principles.
Car leasing is an attractive option for individuals and businesses who want to use modern vehicles without the need to purchase them, with the added benefit of spreading the costs over monthly installments.
Car Loan
A car loan is a type of purpose-specific loan intended for purchasing a vehicle – most commonly a car, but sometimes also a motorcycle, scooter, or other means of transport. Unlike a personal loan, a car loan is a secured loan, which means the bank has the right to the vehicle as collateral for repayment of the loan.
Who is a car loan for?
A car loan is a good option for individuals who want to buy a vehicle and have stable income but do not have the full amount needed for the purchase. It allows them to afford a newer or more valuable vehicle by spreading the cost over time.
Types of Car Loans:
- Traditional Loan: The customer repays the loan in installments, and the vehicle becomes their property once the full debt is settled.
- Balloon Loan: This involves lower monthly installments and a larger, so-called “balloon payment” at the end of the loan term.
- 50/50 or 3×33% Loan: Often offered by dealers. It involves an initial down payment followed by one or two large installments (e.g., after one year).
