The Toyota EV loan has an interest rate of 0.30% with a monthly payment of 3624.80 PLN. The remaining balance at the end is 49,300.58 PLN.
Toyota Bank Polska launched the EV Kredyt promotion on October 1, 2026, which will run until December 31. A representative example looks attractive: the RRSO is 0.30%, and the loan cost for a car priced at 197,202.33 zł amounts to 545.42 zł. However, the low monthly installment does not come out of nowhere. One quarter of the price remains to be paid at the end of the contract.
The promotion applies to the Toyota Easy loan for individual customers and entrepreneurs. It covers electric Toyotas produced in 2026: Proace Electric, Proace City Electric, Proace City Verso Electric, Proace Verso Electric, Proace MAX Electric, bZ4X, bZ4X Touring, Urban Cruiser, and C-HR+. The 2026 Lexus RZ is also on the list.
The installment is low because part of the price was deferred
For a 24-month contract, Toyota Bank requires a down payment of 30-35% of the car’s price. The final installment can cover another 20-30%. The interest rate in this case is 0.30%. In the 36-month option, it rises to 1.70%, while the balloon payment drops to 10-20% of the price.
In the example prepared on October 1, the car costs 197,202.33 PLN, but Toyota Bank does not assign this amount to a specific model. The customer pays 65,076.77 PLN at the beginning, which is 33% of the price, and then makes 23 installments of 3,624.80 PLN each. The final, 24th installment amounts to 49,300.58 PLN.
Adding up the down payment, installments, and balloon payment gives 197,747.75 PLN. Thus, the loan itself costs only 545.42 PLN, in the form of interest alone. The fee is 0 PLN, and the total loan amount is 132,125.56 PLN. An adjustable interest rate was used in this example.
The monthly installment doesn’t reflect the total burden. If the same loan amount were spread evenly over 24 months without a balloon payment, it would be around 5,505 PLN per month. Here, the customer pays less each month, but after two years they must find nearly 50,000 PLN to refinance the final installment under currently unknown terms or sell the car.
This is not leasing nor a guaranteed buyback
EV Kredyt differs from KINTO ONE, where the user pays to use the car with a mileage limit and then returns it. It also doesn’t work like [Exlantix Easy Pay](https://lovev.pl/exlantix-easy-pay-koszty/), which offers a guaranteed buyback. With Toyota Bank’s product, the risk of the car’s value dropping and having to pay off the balloon payment remains with the buyer.
The bank also requires AC and theft insurance. Its cost is not included in the RRSO because, according to the promotional page, it cannot be estimated in advance. Additional expenses include registration, electricity, and tires. For a 36-month contract, the interest cost will be higher, but Toyota Bank has not published a representative calculation for this option.
Conditions as of October 2, 2026. This text is for informational purposes only and does not constitute financial or tax advice. Approval of the loan depends on an assessment of creditworthiness.
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