What is consumer car leasing? Is it worth taking out in 2025?
A few years ago leasing became incredibly popular among people running a business. Thanks to this form of financing, both owners of large companies and one-person businesses could get themselves a much higher-class car. Now you can take advantage of it too, ** consumer car leasing **is a solution that will make your dream of the perfect car come true. What iscar leasing all about, and how do you get it for a used car?
Consumer leasing, what is it?
**Consumer leasing **is a service dedicated to private individuals, that is, people who don't run a business. It's a form of financing that consists in providing a product, in our case a car, without the need to buy it.What is car leasing all about? Put simply, it's a way that combines elements of a loan and renting a vehicle, with the option of buying it out later. You pay off monthly instalments over the period agreed in the contract. It requires a down payment from the potential buyer, but not as large as in the case of a purchase.
How do you lease a car?
When you find a listing that interests you on a leasing company's portal, get in touch with them. Based on your creditworthiness, the partner bank will assess whether you can afford a car on lease. Thanks to the ubiquitous digitalisation, you probably won't need an employment certificate or other documents confirming your income.
Is it possible to lease a used car?
A growing number of car manufacturers and dealers offer models in their line-up that you can easily buy in this form, e.g. Skoda consumer leasing is something Skoda has been offering its customers for years. However, it's still a new car, and unfortunately its market price drops the most in the first months of use. This is also why drivers more often opt for second-hand vehicles.
**How do you get leasing as a private individual for a used car? **Is it even possible? Yes! More and more portals, such as Car&More offer you used but also verified vehicles. A Skoda like that in consumer leasing will be significantly cheaper, and you still keep the flexibility offered by this form of financing.
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Car leasing conditions
As we mentioned earlier, this form of financing is a flexible solution. You can tailor the consumer leasing instalment to your means and budget. Together with the lessor, you agree how long the contract will last. Most often it's 24, 36, 48 or 60 months. When the contract period is over, you can then buy out the leased item for a sum that is reduced accordingly.
The biggest advantage of such a solution is a smaller down payment. In the initial period you can pay significantly less than if you were obliged to pay the whole sum. An example? For a used BMW X3 from 2019 you only have to pay 10% of its value, which comes to a sum of less than 15,000 PLN, and you cover the rest only in the leasing instalments. How high are the instalments? That depends on where you decide to take out the lease. At Car&More we meet our customers' expectations. On every listing card you'll find a calculator that, based on the length of the contract period and the down payment, will work out the amount of your monthly commitment. If, at the end of the contract, you decide to keep the car, you'll pay a decidedly smaller sum than if you were searching for direct-sale offers.
At Car&More we offer consumer leasing for used cars. Check out the offers today and handle the formalities without leaving home.
The Polish market
Interestingly, private leasing isn't a new solution. On the Polish market customers have been able to use it since 2011, so for over 10 years now! Despite this, awareness is still low, and many people are wary and choose to buy a car with cash. It's a form that's particularly popular among companies, because it brings benefits in the form of tax breaks, or more specifically the possibility of deducting VAT. What does it offer individual customers? Check below!
Taking a car on lease? The specialists take care of the rest!
Thanks to this form of financing, even with used cars you often get more benefits than when buying one from a private owner. We try to minimise the formalities involved in signing a consumer leasing contract, and the whole process takes no longer than 14 days. At Car&More you can use a range of additional services, e.g. insure the vehicle on the spot by choosing the full package, third-party liability, comprehensive cover and personal accident insurance (NNW). In addition, you get a 12-month warranty, which you can extend to as much as 3 years. You don't have to worry about faults or problems that crop up after buying a used vehicle!
Is consumer leasing worth it? Yes!
You're probably wondering whether it's worth going for such a solution. It certainly is. If you have adequate creditworthiness, you'll get consumer leasing without major obstacles. The formalities aren't complicated, at Car&More we take care of most of them. It's a great solution for people who don't want to spend a large sum of money at a given moment, but want to enjoy a new car (or a used one).
The advantages of consumer leasing:
Simple approval rules, at Car&More we keep the formalities to a minimum.
The option to give up the car after the leasing contract ends, you don't have to buy the car out!
A lower instalment than in the case of a loan.
Often an additional package of benefits is offered too, e.g. warranty, inspection.
A smaller down payment than when buying the vehicle.
Consumer leasing or a loan? Learn the differences and decide
People who don't have a sufficiently large amount of cash wonder: ** leasing or a loan**. Both options have their pros and cons. There's no clear answer as to which of them is better, it depends on your needs and expectations.
On the basis of a civil-law contract, in accordance with the civil code, the lessor lets you use the chosen vehicle for a fee agreed in advance. This is the most important difference between consumer leasing and a loan, namely ownership.When you take out a loan, you are the owner of the car; in the case of leasing, the lessor is. For many people the lack of formal ownership of the car is a major obstacle, just as with, for example, renting a flat.
In the case of car leasing the formalities are much more simplified. An undeniable advantage of this solution is also the lack of impact on your creditworthiness. This can be particularly important for people planning, for example, a mortgage.
Feel that consumer leasing isn't the solution for you? At Car&More we offer both one option and the other. Get in touch with us and we'll choose the right form, so that you can soon enjoy a new car. You can read more about this here 🡪 car financing.