How it works
Four steps. Zero uncertainty.
You sign once. You pick up the car the same day. You put off the buying decision until you truly know what you want.
What Buy&Rent is
Not leasing. Not credit. Something else.
Buy&Rent is a car purchase on preferential rent terms. You sign the purchase agreement on day one and the down payment freezes the price, with no extra formalities. You pay rent and drive, and you buy the car out at that price whenever you decide. If you change your mind, you return or sell it. We don't check BIK or KRD. We don't require any official certificates. The only condition is a down payment on pickup.
Leasing / credit
You decide before driving
Banks and lessors expect a decision before signing — based on a brochure and a 15-minute test drive. After that, you're left with the instalment.
Ordinary rental
You pay without building equity
Every instalment is a cost that leads nowhere. After a year of renting you start from zero. The purchase price is completely independent of what you paid.
CARMA Buy&Rent
You decide after driving
You sign once. You drive for up to 18 months. At any time: buy at the frozen price, return, or sell with our help.
Four steps
From first glance to a confident decision.
Choose a car
Filter by body type, engine and budget. Every car in our offer has an active warranty. It's a strict requirement, not an option. We check them before they enter the offer. No hidden faults.
Sign the contract and pick up the car the same day
You make a down payment (it's both a deposit and a lock on the purchase price). We sign the purchase agreement and the rental agreement. The whole process with no BIK, KRD or any certificate checks. We leave the showroom with the keys.
Drive 2–18 months
Daily commutes, weekend trips, family journeys — get to know the car in conditions that actually matter. Each quarter you can voluntarily repay part of the capital. Every such payment directly lowers your rent. We charge rent on the remaining capital, not the original price.
Buy, sell or return
You have three full-fledged exit options, at any point in the contract. None is a penalty or a surprise. You decide, not the bank.
Customer reviews
What the process looks like
from the other side.
On contact, on pace, and on the condition a car reaches the customer in.
“Very professional service of the highest standard. […] even at a distance, everything can be arranged without any trouble.”
“The purchase went smoothly and in a very pleasant atmosphere. […] The car was prepared for collection perfectly.”
“Great service — a new car was registered and handed over within half a day.”
“I recommend this company to everyone! […] Everything quick and professional.”
“I recommend the company, the matter was handled quickly.”
“A new, well-kept vehicle and professional service.”
“[…] Very good contact, clear terms and a genuinely attentive approach to the customer.”
“[…] The car was clean, well kept and in excellent technical condition. […] A big plus for the flexible approach to the customer and for prompt contact.”
Reviews by customers of CARMA's commercial partner, collected from Google and published with their authors' consent. Cuts are marked with […]. No star ratings are shown with them: those ratings referred to the partner's services, not to a purchase at CARMA.
How we calculate rent
The formula is open. Always.
No variable rates, no hidden fees. One formula, one monthly rent that drops with every capital repayment.
Miesięczny czynsz =
Pozostały kapitał ÷ 120 + 300 PLN opłaty administracyjnej
Czynsz spada z każdą kwartalną spłatą kapitału. Dodatkowa wpłata 20 000 PLN obniża czynsz o około 167 PLN miesięcznie.
Three ways out of the contract
You decide
when the contract ends.
You buy the car, sell it, or hand it back. Handing it back costs you no penalty, and you pick the moment.
01
Buy
You keep the car. You top up whatever is left of the price, because we deduct the down payment in full. There is no commission.
- The down payment goes into the purchase price
- The price from the day you signed
- You buy whenever you want
02
Sell
You run the sale yourself. We open up the ecosystem: our partner and ambassador network, and a place for the car on our site. We promise neither a buyer nor a date — the outcome rests on your price and on you.
- Ambassadors and the CARMA platform
- A warranty lifts the price
- The pace is down to you and the price
03
Return
Your situation changed and the car stopped making sense? Hand it back in any month — but a return ends the preferential rent.
- Hand it back in any month
- The past period is re-priced as ordinary rental
- The difference comes out of your advances
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 |
| Rent drops as capital is repaid | — | — | No | Yes |
| 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.
Your most frequent questions…
Najczęściej pytacie o…
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.
Can the monthly rent fall during the contract?
Yes. It's one of the key parts of our model. Each quarter you can voluntarily repay part of the capital. Every such payment lowers the interest base and therefore the monthly rent. The formula stays fixed and open for the whole contract.
Who pays for service and insurance?
You pay for AC/OC insurance and warranty servicing, just as with your own car. The car is registered to you from day one. You are the owner in practical terms; we keep legal ownership until the purchase.
Ready to talk?
Book a free consultation.
No sales script. Tell us what you're looking for and we'll explain every detail of the contract and match you with the right car.