Toyota Leasing vs EFL: which is better? Comparison 2026
By our public methodology Toyota Leasing scores 75 out of 100 and EFL scores 68. Below: the factors and facts where they differ, each fact with its source.
Score breakdown
| Toyota Leasing | EFL | |
|---|---|---|
| Terms | 67 | 79 |
| Access | 63 | 60 |
| Reliability | 83 | 100 |
| Transparency | 100 | 0 |
Pros and cons
Toyota Leasing
- Low down payment
- Long track record as a licensed lessor
- 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
| Fact | Toyota Leasing | EFL |
|---|---|---|
| Licensed / registered as a lessor since | 2002 toyotabank.pl | 1991 efl.pl |
| Minimum down payment | 0% toyotabank.pl | 0% efl.pl |
| Maximum contract term | Not verified | 84 mo efl.pl |
| Leasing for businesses | Yes toyotabank.pl | Yes efl.pl |
| Used cars | Yes toyotabank.pl | Yes efl.pl |
| Early repayment | Yes toyotabank.pl | Not verified |
| Decision on application | 1 h toyotabank.pl | 24 h efl.pl |
| Part of a banking group | Yes toyotabank.pl | Yes efl.pl |
| Regional offices | Not verified | 27 efl.pl |
| Rates published online | Yes toyotabank.pl | Not verified |
| Calculator on the website | Yes toyotabank.pl | Not verified |
| Online application | Yes toyotabank.pl | Not verified |