ING Leasing vs EFL: which is better? Comparison 2026

By our public methodology ING Leasing and EFL score the same — 68 out of 100. Below: where they differ by factor and by fact.

Leasing companies in Poland 2026: a ranking built on verified facts How we rank

2

ING Leasing

68/100
3

EFL

68/100

Score breakdown

ING LeasingEFL
Terms9579
Access6060
Reliability33100
Transparency750

Pros and cons

ING Leasing

  • Low down payment
  • Long term — lower monthly payments
  • Part of a banking group
  • Rates and total cost are published openly

EFL

  • Low down payment
  • Long track record as a licensed lessor
  • Long term — lower monthly payments
  • Part of a banking group

Facts side by side

FactING LeasingEFL
Licensed / registered as a lessor sinceNot verified1991 efl.pl
Minimum down payment0% ingleasing.pl0% efl.pl
Maximum contract term84 mo ingleasing.pl84 mo efl.pl
Leasing for businessesYes ingleasing.plYes efl.pl
Used carsYes ingleasing.plYes efl.pl
Early repaymentYes ingleasing.plNot verified
Decision on application24 h ingleasing.pl24 h efl.pl
Part of a banking groupYes ingleasing.plYes efl.pl
Regional officesNot verified27 efl.pl
Rates published onlineYes ingleasing.plNot verified
Online applicationYes ingleasing.plNot verified

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