Friendly Purchase
Drive first, buy when you're sure.
We sell new and used cars, but only with an active warranty. A purchase with preferential rental for the length of the contract. No credit checks, no pressure.
„I bought a Mercedes GLC 200d and sold it after six months, because I am starting a new business. Thanks to the discount I bought it with, I drove it almost for free."
Maciej Z. Warszawa
„I needed a limousine fast, to put it through the books, and with CARMA I managed to buy an almost new S-Class practically on the spot, at a good discount."
Paweł J. Warszawa
„Great service and a fast turnaround. I bought a GLC 220d at a big discount, in cash, without having to take out a lease."
Tomek O. Gdańsk
„I paid the deposit on a van in cash and paid the rest over a year with Buy&Rent. Because the agreement involves no BIK or KRD check, I could keep running my business."
Marcin S. Bielsk Podlaski
„The team really helped me pick the right car and explained what is worth doing and what is not, so I would not fall into financial traps while financing a car."
Karolina O. Warszawa
„I had to end the agreement early because of a sudden situation. After returning the car I paid more for the rental, and they refunded the rest without any trouble, so I had cash to work with."
Piotr S. Białystok
Jak działa Buy&Rent
Choose a car
Only with an active warranty.
Sign the contract
Rental + purchase in one day, no credit check.
Drive 2–18 months
Rent drops with every capital repayment.
Buy / Return / Sell
You make the decision, not the bank.
Każdy element sprawdzony, zanim wsiądziesz.
Your turn
Explore the full offer.
Offer
New and used, but only with an active warranty
We sell new and used cars, but only with an active warranty, in the Buy&Rent model. This is not a used-car lot — no car enters the offer without an active warranty. Drive first, then buy when you're sure.
Mercedes · Porsche · Jeep · Citroën · Fiat
Mercedes-Benz C 200
Sedan · 1.5 petrol · 204 HP · rear-wheel drive
Rent / mo.2 469 PLN
Purchase price227 600 PLN
Mercedes-Benz S 450 d 4MATIC L
Long sedan · 3.0 diesel · 367 HP · 4MATIC · 3 400 km
Rent / mo.6 595 PLN
Purchase price675 000 PLN
Mercedes-Benz S 450 d 4MATIC
Sedan · 3.0 diesel · 367 HP · 4MATIC · 1 400 km
Rent / mo.6 042 PLN
Purchase price615 000 PLN
Financing
Pay your way.
Buy&Rent is CARMA's own model— drive, repay the capital, buy whenever you want. But you don't have to use it: the same car with a warranty is also available on lease, on credit, or for cash.
In-house model
Buy&Rent
A purchase with preferential rental for the length of the contract. Drive 2–18 months, repay the capital, buy anytime at a fixed price. No credit checks.
How it works →For businesses
Leasing
Classic leasing with tax benefits and an end-of-term buyout. We'll prepare the offer with a partner.
Via partners
Credit
A car loan through trusted financial partners. The car is yours from day one.
On the spot
Cash
Prefer to buy outright? Pay in full — with the same active warranty.
Calculator
What will your monthly rent be?
The formula is open: remaining capital ÷ 120 + administrative fee. Full transparency — no hidden fees or commissions.
Miesięczny czynsz
2 829 PLN brutto / mies.
netto: 2 300 PLN / mies.
od kapitału 2 000+ opłata adm. 300(netto)
Kalkulator poglądowy. Dokładne warunki ustalane indywidualnie. Czynsz liczony w netto; brutto zawiera VAT 23%.
Przykład z życia: klient wziął auto za 230 000 PLN, jeździł 10 miesięcy (15 000 km), sprzedał je za 229 000 PLN. Łączny koszt 10 miesięcy w nowym Mercedesie: ~16 000 PLN.
Three ways out of the contract
You decide when the contract ends.
From the day you sign, you have three ways out. None of them expires, and every time you call you talk to a person who knows your case.
01
Buy
You keep the car and top up whatever is left of the price. We deduct the down payment in full and add no commission.
- The down payment goes into the price
- Buy in any month you like
- The price from the day you signed
- Pay off early, no penalty
02
Sell
We open up our partners, our ambassadors and a slot on our own site. An active warranty helps the price; the rest is down to you.
- You list the car with us
- Ambassadors and the CARMA platform
- A warranty lifts the price
- The pace is down to you and the price
03
Return
Plans fall apart sometimes. Hand the car back in any month — but a return means giving up the purchase, so the preferential rent ends.
- Hand it back in any month
- The past period is re-priced as ordinary rental
- The difference comes out of your advances
- Or you swap the car for another one
Porównanie
Przyjazny zakup vs. inne opcje
| Cecha | Portale samochodowe | Dealer | Leasing | Przyjazny zakup |
|---|---|---|---|---|
| Warranty | Varies | Yes | Yes | Always |
| Longer use before buying | No | Test drive | No | Up to 18 months |
| Buy when you're sure, at a fixed price | — | — | Buyout at the end | Anytime |
| A car without full cash and without a loan | No | No | A credit product | Yes |
| No credit checks (BIK / KRD) or tax/social-security certificates | — | — | Required | Not required |
| Three ways to finish: buy / sell / return | No | No | No | Yes |
| Flexible contract length | — | — | Fixed term | You set it |
| Early repayment without penalties | — | — | Penalties may apply | No penalties |
| Time from decision to signing | Varies | Hours | Days | 15 minutes |
Porównanie poglądowe. „—" oznacza, że dana cecha nie dotyczy zakupu za gotówkę; Przyjazny zakup zestawiamy przede wszystkim z leasingiem.
Questions & answers
Got questions? We've got answers.
Do I need creditworthiness or a clean credit record?
No. Our model is a rental agreement, not a bank loan. We don't check BIK, KRD or any debt registers. We don't require tax-office or social-security certificates. The only condition is a down payment on pickup.
What happens to the down payment I make?
The down payment serves two purposes at once: a deposit securing the car and a purchase-price guarantee. If you decide to buy, we deduct it in full. If you return the car, you get back the amount minus only the cost of the actual time used. Nothing more.
What if I want to sell the car instead of buying it?
You sell the car yourself, and we open up the ecosystem: the CARMA ambassador network and our platform. Cars with an active warranty usually sell faster and for more than comparable cars without one. We promise neither a buyer nor a date — much of it rests on your price and on you.
Is the car covered by the warranty the whole time?
Yes — it's a strict requirement and we make no exceptions. No car without an active warranty enters the CARMA offer. You don't have to check the service history or worry about hidden faults. We do it before you.
How long does the contract last and when can I end it?
You set the pace. The standard term is 2–18 months, but you can shorten it by repaying capital early. The more capital you repay each quarter, the lower the rent and the sooner you finish.
Who can become a CARMA ambassador?
Anyone with a network of contacts who enjoys recommending fair solutions. No car-sales experience required. Insurance agents, financial advisors and people with wide networks do best. Commission: PLN 4,000–6,000 per client.
More information
From the CARMA blog
PoradnikLong-term rental with a buyout? Buy&Rent is a car purchase on preferential rent terms
A car purchase on preferential rent terms: the purchase and rental agreements on the same day, a deposit from 10 percent locks the price, no mileage cap.
Czytaj →
FinanseLeasing, a car loan, or long-term rental with a buyout? A comparison for private buyers
Loan, lease or Buy&Rent? A comparison for private buyers: when ownership passes, BIK, and the length of the contract.
Czytaj →
FinanseRent-to-own with no BIK or KRD check? Why a purchase on preferential rent terms does not assess your creditworthiness
No BIK enquiry, no KRD check and no ZUS or tax-office certificates. Buy&Rent is a purchase on preferential rent terms, with a deposit from 10 percent.
Czytaj →
GwarancjaManufacturer warranty on a used car: does it pass to the new owner
A manufacturer warranty is attached to the car, not the person, so on a sale it passes to the next owner with no separate assignment.
Czytaj →
FinanseA company car without leasing or rent-to-own: when a purchase on preferential rent terms makes sense
A lease is not the only route to a company car. Buy&Rent is a purchase on preferential rent terms, with a deposit from 10 percent and a 2 to 23 month contract.
Czytaj →
FinanseHow much does long-term rental with a buyout cost? The full calculation for a purchase on preferential rent terms
A deposit from 10 percent, rent of 300 zł net plus 10 percent a year on the capital still outstanding. The full calculation on a car priced at 89 900 zł.
Czytaj →Ambassador Programme
Earn by recommending fair solutions.
Got a network of contacts? Become a CARMA ambassador. Earn commission for every client — no car-sales experience needed.
Potential earnings / monthPLN 8,000 – 12,000 for 2 clients