Insurance in the instalment
Compulsory OC liability, AC comprehensive and NNW accident cover plus assistance are usually included, so you avoid annual policy renewals.
Car subscriptions in Poland
Drive on your terms in Poland.
One monthly payment. No long tie-ins. An independent, editorial guide to car subscription and flexible lease providers in Poland.
Market status: Growing market
Car Subscriptions in Poland
In Poland, 'car on subscription' (samochód na abonament) usually means long-term or medium-term rental (najem długoterminowy) with insurance, servicing and tyres bundled into one monthly instalment.
The model grew quickly among businesses and sole traders, who are used to leasing, and it is now increasingly marketed to private drivers as well.
Key players include SIXT DriveSmart, which offers rentals from a few months to two years, OTOMOTO Lease, the OLX-owned platform that absorbed the pioneering Carsmile, and Ayvens Flex for business customers. Prices are often quoted net of VAT for companies, so check whether a figure is net (netto) or gross (brutto). Monthly rates for a compact car start around 1,400–1,800 zł.
Poland
Why choose a car subscription in Poland?
No down payment
Many offers require no initial payment, unlike consumer car loans or classic leasing.
Servicing and tyres covered
Scheduled servicing and seasonal or all-season tyres are commonly part of the package.
Technical inspection handled
New cars are covered by the inspection schedule, and the provider manages registration and paperwork.
Suits sole traders
Rental instalments are a familiar cost for Polish businesses; your accountant can advise on how they are treated.
Shorter than leasing
Medium-term rentals from a few months let you avoid a 3–4 year leasing commitment.
3 providers
Car subscription providers in Poland
Providers we have found operating in Poland. Listings are editorial and in no particular ranked order, unless marked as promoted.
Ayvens Flex
Medium-term business rental, 1–24 months, return after first month
Ayvens Flex is medium-term rental for Polish businesses, available for one to 24 months under a single framework agreement. The monthly price covers servicing, insurance (including driving abroad), a replacement car and 24/7 assistance, with no down payment. Cars can be returned at any time after the first month without an early-return fee and swapped for another model. Prices start around 1,470 zł net a month and delivery is promised within 24 hours nationwide, subject to credit approval. It suits start-ups, seasonal work and companies testing EVs.
Minimum term: 1 month · Maximum term: 24 months
OTOMOTO Lease
OLX-owned car subscription platform that absorbed Carsmile
OTOMOTO Lease is the car leasing and rental platform of Poland's OTOMOTO marketplace, part of the OLX Group, and the former Carsmile site now redirects to it. It presents cars on a subscription-style model for private and business customers, with rental up to 18 months alongside longer leasing, online decisions and comparison across around 14 financing partners. Around 30 brands are available, from Toyota and Skoda to Tesla and newer Chinese makes. Phone support covers servicing and incidents. It suits buyers wanting to compare many offers in one place.
Toyota
Skoda
Volkswagen
Kia
Hyundai
Tesla
BMW
Audi
Mercedes-Benz
MG
SIXT DriveSmart
New-car rental from a few months to two years with insurance and service
SIXT DriveSmart is Sixt's online long-term rental platform in Poland, serving both private customers and businesses. Contracts typically run from about five to 24 months, and a FLEX plan lets you end after four months with a guaranteed model. Offers usually include full servicing, OC/AC/NNW insurance with assistance, and all-season or summer and winter tyres. Many offers come with 2,000 km a month, with extra packages available. Brands range from Toyota and Skoda to Mercedes-Benz, Lexus and BYD, with compact cars from roughly 1,400 zł net a month.
Minimum term: 4 months · Maximum term: 24 months
- Toyota
- Skoda
- Volkswagen
- Mercedes-Benz
- Audi
- BMW
Lexus
Peugeot
Opel
BYD
Contact
- Phone
- +48 22 232 34 34
- [email protected]
Guide
How car subscriptions work in Poland
You choose a car online, select a term and an annual or monthly kilometre limit, then submit identity documents for a credit assessment (BIK and similar checks are common). Private customers need a PESEL number and a valid driving licence; businesses provide NIP and company registration details. Some providers ask for a deposit or initial fee. The monthly fee normally covers OC/AC/NNW insurance, assistance, servicing and tyres; fuel, motorway tolls and parking are paid separately.
Things to check before you subscribe
- Check whether the quoted price is net or gross of 23% VAT.
- Compare kilometre limits and the charge for excess mileage.
- Look at the AC insurance excess and what counts as normal wear at return.
- Confirm the minimum term and whether early termination is possible.
- Ask about delivery time and whether the exact model is guaranteed.
Business
Car subscriptions for business
Long-term rental is widely used by Polish companies and sole traders as an alternative to leasing. Rules on deducting VAT and costing passenger-car rental (including limits linked to vehicle value and mixed private use) are detailed and have changed in recent years, so ask your accountant how they apply to you.
Frequently asked questions
Is a car subscription the same as long-term rental in Poland?
Largely yes. Most Polish 'abonament' offers are long- or medium-term rental with services bundled into one instalment.
Can private individuals subscribe?
Yes. SIXT DriveSmart and OTOMOTO Lease serve private customers as well as businesses, although some products such as Ayvens Flex focus on companies.
Is insurance included?
Typically OC, AC, NNW and assistance are included. Check the excess and any exclusions.
What is the shortest term available?
Some providers start at around four or five months, and Ayvens Flex lets businesses return a car after the first month.
Who pays motorway tolls?
You do. Tolls, fuel and parking are not part of the monthly instalment.
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