Car loan — offer comparison 2026
A car loan is purpose-specific financing for a new or used vehicle. Interest rates range from 5% to 12% per year, with repayment up to 10 years. The car serves as collateral, which lowers the cost compared to a cash loan.
Compare car loans from banks and financial institutions in Poland. We check interest rates, APR, down payment requirements and eligibility conditions. Find the best auto loan for your budget.
Car loans — April 2026
Comparison of the best car loans in Poland.
VeloBank
Kredyt Samochodowy "Wymarzone Auto"
Pieniądze na koncie, 60 dni na wybór samochodu
VeloBank
Kredyt samochodowy
Ruszaj po nowe auto!
* Offers shown come from partner companies. Loan costs depend on the selected bank, amount and repayment period. Read the terms on the lender's website before signing any agreement.
How to take out a car loan?
A guide to the car loan application process.
- 1
Compare offers
Check APR and conditions of car loans on kreddo.pl.
- 2
Choose a car and amount
Define your budget, vehicle type (new/used) and the required down payment.
- 3
Submit an application
Prepare documents: national ID, proof of income, vehicle details.
- 4
Sign the contract and collect the car
After a positive decision, the bank transfers funds to the dealer or seller.
See also
People also ask
What is the smallest car loan amount?
The minimum car loan amount is typically PLN 5,000–10,000. Below that, a cash loan is usually more cost-effective, since it does not require collateral on the vehicle.
Does a car loan require comprehensive (AC) insurance?
Yes, banks require full AC insurance throughout the financing period because the car is collateral. The cost of AC insurance must be factored into the total cost of financing.
Frequently Asked Questions
What is a car loan?
A car loan is purpose-specific financing for the purchase of a vehicle — new or used. The car serves as collateral, which translates into a lower interest rate than a standard cash loan.
How much down payment do I need for a car loan?
The down payment is usually 0–20% of the vehicle value, depending on the bank and the type of car. Banks may require a higher down payment for used cars.
Car loan vs leasing — which to choose?
A car loan is better for private individuals — you own the car immediately. Leasing is more tax-efficient for companies (VAT and cost deduction).
How long is the repayment period for a car loan?
Repayment periods range from 12 to 120 months (10 years). The most common choice is 48–72 months, which offers a comfortable instalment.
Can I get a loan for a used car?
Yes, most banks offer loans for used vehicles. The condition is usually the age of the vehicle — up to 10–15 years at the time of purchase.