Frequently Asked Questions About Leasing With Gusike
Below you will find the questions we hear most often from drivers in Poznań and the surrounding area who are considering a leasing agreement with us. If your question is not covered here, the contact page has our direct phone line and email, and we usually reply within 24 hours.
Quick reference: leasing basics at a glance
| Detail |
Information |
| Company operating since |
2012 (14 years in the leasing business) |
| Areas served around Poznań |
9 districts |
| Typical reply time |
Within 24 hours |
| Services related to leasing |
14, from contract setup to end-of-term handover |
| Clients served to date |
1792 |
| Repeat clients |
537 |
| Business hours |
Mon-Fri 08:30-17:00, closed weekends |
A leasing agreement with Gusike covers the use of a vehicle for a fixed period in exchange for monthly payments. The contract sets out the mileage limit, the length of the term, the monthly amount, and what happens at the end - either you hand the car back, extend the term, or arrange to buy it. We also outline maintenance responsibilities, insurance requirements, and any additional fees for exceeding the mileage limit or returning the car outside normal wear conditions. Everything is written into the document before you sign, so there are no verbal side-agreements to remember later.
With a bank loan you own the car from day one and pay off the full purchase price plus interest. With a lease, you pay for the use of the car over a set term - typically the monthly amount is lower because you are not paying off the entire vehicle value, only the portion it is expected to lose over that period. At the end of a loan, the car is yours outright. At the end of a lease, you choose whether to return the car, renew with a newer model, or exercise a buyout option if one is included in your contract.
For a private lease you typically need a valid ID, proof of address, a valid driving licence, and recent proof of income such as payslips or a tax statement. If you are applying as a business, we also ask for your company registration details and recent financial statements. Our team reviews the documents and confirms within 24 hours whether anything else is needed. Keeping scanned copies ready in PDF format speeds up the whole process, since we can review everything remotely before you visit our office on Szamarzewskiego 1 in Poznań.
We do not publish a fixed minimum income figure because it depends on the vehicle category, the monthly instalment, and your existing financial commitments. What matters most is that the monthly lease payment fits comfortably within your budget without straining it. During the application review, we look at your income against your monthly payment obligations as a whole, not just the leasing amount in isolation. If a particular model does not fit your budget, we usually suggest an alternative trim or term length that brings the payment closer to what works for you.
Yes. Our standard terms run from 24 to 48 months, and the length you pick affects both the monthly payment and the total cost over the contract. A shorter term usually means a higher monthly instalment but less total interest paid, while a longer term spreads the cost thinner each month. We walk through a few term options during the consultation so you can compare the numbers side by side before deciding. Once the term is set and the contract signed, changing it later usually requires a new agreement.
Every contract includes an annual mileage allowance agreed upon at signing. If you go over that limit, an excess mileage charge applies per kilometre, calculated and settled at the end of the term or at an interim check if your contract includes one. If you know in advance that your driving needs will exceed the original estimate, contact us before the term ends - we can often adjust the mileage allowance for the remaining period rather than waiting to charge a penalty at handover.
Routine maintenance such as oil changes, brake pads, and tyre replacement is typically the leaseholder's responsibility unless you have added a service package to your contract. Mechanical breakdowns not caused by neglect are usually covered under the manufacturer warranty if the car is within the warranty period. We recommend keeping all service records and receipts, since a complete maintenance history matters when the vehicle is inspected at the end of the lease term and affects whether any wear-and-tear charges apply.
Early termination is possible but it is not free. Most contracts include an early termination fee that reflects the remaining value the leasing company expected to recover over the full term. Before signing, we explain this clause clearly and give you the formula used to calculate the fee at different points in the contract. If your circumstances change, contact our office as soon as possible - sometimes transferring the remaining term to another qualified driver is a more affordable route than a full early termination.
Yes, comprehensive insurance is a standard requirement of any lease agreement, and you are responsible for arranging and maintaining it for the full duration of the contract. We can point you toward the coverage level typically required for leased vehicles, but the policy itself is taken out in your name with an insurer of your choice. Proof of active coverage is usually requested at handover and periodically during the term. Letting the policy lapse is treated as a breach of contract, so it is worth setting a reminder for your renewal date.
At return, we check the odometer reading against the mileage allowance, inspect the bodywork for dents or scratches beyond normal wear, check the tyre tread depth, and review the interior for stains or damage. We also confirm that all original accessories, both keys, and service documents are present. A short written report is given to you at the inspection so any charges are transparent and tied to a specific item, rather than a single unexplained lump sum.
Yes, business leasing follows a similar process but the paperwork differs slightly, since we require company registration details and recent financial statements instead of personal payslips. Depending on how the vehicle is used, there may be different tax treatment for business leases compared to private ones, so we recommend checking with your accountant about how lease payments are recorded in your specific case. We are happy to provide any documentation your accountant needs to complete that assessment.
We currently handle handovers, inspections, and support across 9 districts in and around Poznań. If you are based further out, it is worth asking directly whether your address falls within our current service area, since coverage can shift slightly as our team grows. Our office is at Szamarzewskiego 1, 64-982 Poznań, and most clients find it convenient to visit in person for the initial paperwork, even if later check-ins happen by phone or email.
Our typical reply time is within 24 hours of receiving your enquiry, whether it comes through the contact form, by phone, or by email. During business hours - Monday to Friday, 08:30 to 17:00 - most enquiries are answered the same day. We are closed on weekends, so a message sent on Saturday is usually picked up first thing Monday morning. If your request is time-sensitive, calling our office directly during business hours is the fastest route to a response.
Over the years, 537 of our clients have come back for a second agreement after finishing their first. Because we already hold your payment history and documentation on file, the application process for a repeat lease is usually faster, since much of the paperwork does not need to be resubmitted. We cannot promise different pricing purely on the basis of being a returning client, but the smoother administrative process is a real, practical benefit that many people notice the second time around.
That is a fair position to be in, and it is exactly what an initial consultation is for. We sit down with your monthly budget, your expected mileage, and how long you realistically want to keep a car, then compare that against what a lease would cost versus buying outright with a loan or cash. Sometimes leasing is clearly the better fit, and sometimes it is not - we would rather tell you that honestly than sign a contract that does not suit your situation. Visit the about page to read more on how we work, or get in touch to book a time to talk it through.
Still Have Questions About Leasing a Car?
Reach our team at Szamarzewskiego 1, 64-982 Poznań, call +48 61 959 99 02, or write to [email protected]. We reply within 24 hours on business days.
Contact Gusike