Credit / Leasing

Auto Ratusz Sp. z o. o. offers you not only selling, exchange and the purchase of a car chosen from a wide selection of brands and models. Our clients are also welcome to go through all the formalities associated with car financing operations.

We invite you to meet our financial consultants as well as our partners who are to provide the most advantageous products, individual financing and insurance offer, along with initial analysis. We comprehensively take care of all your formalities, without the need of going to the bank or contacting the insurer – all these services are available on the spot. You have the possibility of getting either credit or lease decision after you have submitted the scan of your documents to the email address. Since our customers often arrive from distant places, it is good to do so before you visit us to see your chosen car. Thereby, you will be able to get to know your financial capacity and, if you decide upon the purchase, to save your time and money by signing a contract on the spot.

Car loans: Far more profitable than cash loans!

CAR LOAN FOR BUSINESS

ADVANTAGES FOR YOUR BUSINESS:

• Depreciation up to 20 000 Euro (approx. 80 000 PLN) within 60 or 30 months.
  In the case of a car sold with VAT invoice, there is one-off tax deduction:
  - Motor car: 50 percent tax advantage that gives up to 6 000 PLN,
  - Truck: full tax advantage. You can take advantage of interest-free credit repayment by full or partial early repayment. Thereby, no carrying charge.
• Car becomes your business property,
• No prepayment required (depending on your business analysis),
• Credit period: up to 96 months (8 years),
• Streamlined procedure without prepayment! (depending on your business analysis),
• The whole procedure, including car reception, takes about 2-3 business days.

CAR CONSUMER LOAN

• No prepayment required (depending on customer analysis)
• Credit period: up to 96 months (8 years)
• The opportunity of interest-free credit repayment by full or partial early repayment
• Streamlined procedure without prepayment! (depending on customer analysis)
• The whole procedure, including car reception, takes about 2-3 business days.
Our customers can obtain credit regardless of their negative credit score or debt rating!

Leasing: The most profitable way to finance your car purchase!

OPERATING LEASE - for the vehicles sold with 23% VAT invoice

ADVANTAGES FOR YOUR BUSINESS:

• Prepayment, leasing installments and the price excluding tax constitute the costs of your business revenue,
• Prepayment charge, installments and purchase are set off against tax:
  - Motor car: 60 percent tax advantage that gives up to 6 000 PLN,
  - Truck and pick-up: full tax advantage. Purchase depends on lease period, most frequently:
  -- after 2 years’ time approx.: 20%,
  -- after 3 and more years: 1% Lease period – from 12 to 72 months.
• Prepayment: from 10% to 45% (streamlined procedure from 10% of prepayment),
• The whole procedure, including car reception, takes about 2-3 business days.
• There is an opportunity to obtain operating lease regardless of the negative credit score or debt rating of your business!
  

FINANCE LEASE - there is a margin for the vehicles sold with VAT invoice – and no possibility of issuing 23% VAT invoice

ADVANTAGES FOR YOUR BUSINESS:

• The costs of the business income are constituted by:
• Depreciation up to 20 000 Euro (approx. 80 000 zł) within 60 or 30 months,
• Interest on installments included in leasing installments,
• From the moment the final leasing installment is made, the ownership is being transferred to you,
• There is a possibility of early lease pay-off and therefore the transfer of ownership during lease period,
• Prepayment from 12 to 72 months, from 10% to 45% (streamlined procedure from 10% of prepayment),
• The whole procedure, including car reception, takes about 2-3 business days.