It depends primarily on whether you run a business.
Business leasing — for sole proprietorships and corporations. The agreement is a three-party contract: you, the financial institution, and Earnee as the guarantor, which means your creditworthiness is assessed together with ours. Down payment starting at 1%, buyout option for as little as 1%, installment amounts at net, and both the installment and VAT are deductible as business expenses.
Car loan—for individuals without a business. You enter into the agreement directly with the financing institution, register the car in your name from day one, confirm your income with a statement, and the installment is fixed and quoted as a gross amount.
In both cases, financing is provided by a financial institution, and it is the institution that makes the decision after assessing your creditworthiness.
If you’re not sure which option is right for you—leave your number, and we’ll figure it out in a single call.

When you lease a car, you’re paying for access to someone else’s vehicle—after a few years, you’re left with nothing, and if the owner’s company goes out of business, nothing obligates it to transfer the vehicle to you.
With us, you’re paying off a specific car for yourself from the very beginning, and you enter into a contract with a financial institution. With a car loan, you register the car in your name from day one. With a lease, it becomes yours after you buy it out—even for as little as 1% of the price. In both cases, ownership is specified in the contract, and the financier’s obligation lasts for the entire repayment period.
A driver who rents a car today pays 650–850 zł per week just for access to it. After five years, one of these amounts leaves him with the car, while the other leaves him with nothing.

Of course! That’s what sets Earnee apart. We understand the barriers to entry that drivers face taxi and we know how difficult it is for them to get a car lease or loan—sometimes it’s even impossible. We want to address these barriers and effectively solve this problem, for which we’ve already found a simple solution. If this issue applies to you directly, don’t hesitate to request a quote for a specific car you’re interested in or call us to learn more. We’d be happy to help you grow and make your dream of owning a car come true.

Of course! That’s what sets Earnee apart. We understand the barriers to entry that drivers face taxi and we know how difficult it is for them to get a car lease or loan—sometimes it’s even impossible. We want to address these barriers and effectively solve this problem, for which we’ve already found a simple solution. If this issue applies to you directly, don’t hesitate to request a quote for a specific car you’re interested in or call us to learn more. We’d be happy to help you grow and make your dream of owning a car come true.

The calculator breaks down the installment into specific items so you can see what you’re paying for and what reduces the installment amount.
Leasing ( net amounts): financing installment and fees, guaranteed down payment and discount, bonus for completed trips, estimated fleet liability and comprehensive insurance, 1% down payment, and 1% buyout. You can include LPG installation and vehicle preparation for work in the installment.
Loan (gross amounts): financing installment and fees, guaranteed surcharge and discount, bonus for completed trips, estimated third-party liability insurance, 5% upfront fee.
Do not directly compare net and gross amounts—these are two different methods of calculation. The calculator provides a preliminary simulation; the terms of the agreement presented by the financing institution are binding.

With a lease, the down payment starts at 1% of the car’s value—that’s the lowest threshold we offer. You can pay more; every additional zloty reduces your future installment.
With a loan, the down payment is 5%.
For a car costing 80 000 zł , this amounts to 800 zł for a lease and 4 000 zł for a loan. The amount of the fee and other terms are confirmed by the financing institution upon issuing its decision.

With a car loan, the car is yours from day one—you register it in your name, and there’s no buyout at the end. You pay the final installment, and the contract ends.
With a lease, the buyout amount is specified in the contract and can be as low as 1% of the car’s price. You pay it after the final installment, and the car becomes your property.
You set the financing term yourself!

At Earnee, you can buy a new car from a dealership, but we don’t limit ourselves to that option alone. We offer used cars with up to 100,000 km on the odometer, but that’s not all. At your request, we can help you finance a used car from the secondary market. To do this, go to our listings, find the tab “Can’t find your dream car here?” and send us an inquiry about a car not listed in our inventory. We finance used cars through both business leasing and car loan.

Yes, as long as you have a Polish driver's license. We are prepared for various circumstances and already know how to deal with them. Contact us and we will guide you through the process, regardless of your nationality.

Not for a car loan—it’s a product for individual customers; you don’t need a business for that.
But for a lease, yes—you need a sole proprietorship or a corporation. If you want to lease a car but don’t have a business yet, we work with an accounting firm that will guide you through the registration process and handle your bookkeeping afterward.
You don’t have to have a business today to start a conversation.

Leave your number in the form—an Earnee representative will contact you within one business day. In the form, you can immediately indicate whether you’re interested in a lease, a loan, or if you’re not sure yet and would like some advice.
If you’d rather call: +48 222 70 10 10. Email us at: sales@earnee.eu.
Contacting us does not constitute an application and does not obligate you in any way.

Yes. Work through the Earnee network is handled by our payment processing partner—this is how we’re able to contribute toward your installment payments and award you a bonus for completing trips.
Changing partners doesn’t affect who owns the car: with a loan, the car is yours from day one; with a lease, it’s yours after you buy it out. It also doesn’t limit your work—you drive your own car.

No. The calculator provides a preliminary simulation based on the list price of the selected model and Earnee’s standard parameters.
Only the terms of the agreement presented by the financing institution—which makes its own decision after assessing creditworthiness—are binding. The lease payment is recalculated quarterly whenever the 3M WIBOR changes by at least 0.25 percentage points; the bonus for completed trips is not guaranteed; and the insurance cost is an estimate.