Ranking of consolidation loans in Poland - October 2026
3 offers · Sorted by: lowest APR first
In October 2026 we compared the best Consolidation loans available. APR ranged from 8.09% to 9.15%. Top offer: Bank Pekao with "Pożyczka Konsolidacyjna" at 8.09% APR. This ranking covers offers available in Poland.
Offer ranking - October 2026
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Compare all consolidation loansTry the calculator for the top-ranked offer (Bank Pekao)
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Indicative calculation based on nominal rate of 7.8%. Actual costs depend on individual creditworthiness assessment.
How is this ranking created?
We checked 3 consolidation loans offers in Poland for you in w October 2026. Offers are selected using a composite score: interest rate (50%), product badge count (30%) and user popularity (20%). The order in the table follows the sorted value alone; ties are settled alphabetically. Partner commission does not affect selection or position.
APR is shown for each offer's representative example. Amounts and terms may differ, so a position in the ranking does not mean the cost is fully comparable - check the terms of the specific offer.
What changed in this comparison
- 6 Sep 2026 Bank Pekao Pożyczka Konsolidacyjna - RRSO: - → 13.63%
- 6 Sep 2026 BNP Paribas Bank Polska Kredyt Konsolidacyjny - RRSO: - → 21.10%
- 31 Aug 2026 Bank Pekao Pożyczka Konsolidacyjna - Oprocentowanie: 7.80% → 7.79%
- 7 Aug 2026 Bank Pekao Pożyczka Konsolidacyjna - Oprocentowanie: 7.90% → 7.80%
- 8 Jun 2026 Bank Pekao Pożyczka Konsolidacyjna - Oprocentowanie: 7.97% → 7.90%
Reviews bank offers day to day and keeps the rankings published on BankSorter accurate - we pull data straight from bank APIs and verify it before every publication.
What to watch out for when choosing a debt consolidation loan
What to watch out for when consolidating debt
A lower monthly instalment after consolidation doesn't always mean a lower total cost - stretching the term can increase total interest paid, even at a lower rate. Before signing, work out the new loan's APRC and compare it against what you'd still owe under your current debts. Also check whether repaying your existing loans early triggers an extra fee - some lenders charge one.
What documents do you need to apply?
Alongside the standard documents (ID, proof of income), the lender will ask for statements or agreements for the debts you want to consolidate - current balances owed and the account numbers the new loan's funds should go to. Some lenders pay off your old debts directly, which speeds up the paperwork.
A consolidation loan combines multiple debts into a single monthly payment - usually lower. It simplifies your finances and can reduce monthly outgoings, but watch out for extended repayment periods that may increase the total cost.