11.03.2026 / Auto loan or leasing: how will vehicles be sold in 2026

According to the marketing agency NAPI, 519.5 thousand new and used vehicles* were sold in January 2026, which was a 6% decline on January of the previous year. Of these, 51.8 thousand units were sold using auto loans (65.3 thousand units were sold last year, -20.7%). Similarly, 16.3 thousand units were leased,  against 17.2 thousand units leased last year (-5.1%).

The share of auto loans in total sales decreased by 1.8 p.p. to 10%. The share of leasing remained at the last year’s level, reaching 3.1% in January. Other forms of vehicle purchase financing accounted for the largest share (86.9% in January 2026), having increased by 1.8 p.p. year-on-year.

Over the year, the average auto loan term grew by 10 months: from 61 months in January 2025 to 71 months in January 2026. At the same time, the average lease term fell by one month: from 36 months to 35 months.

* Cars, light commercial vehicles, trucks, buses, trailers and semi-trailers

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