Ranking of consolidation loans in Poland — September 2026

✓ Pros

• ✓No commission for granting the loan (0%)
• ✓Equal installments throughout the entire repayment period
• ✓Wide range of amounts – from PLN 1,000 to PLN 250,000
• ✓Up to 10 years to repay (120 months)
• ✓Online application (Pekao24/PeoPay) for amounts up to PLN 30,000

✕ Cons

• ✕APRC discrepancy: 13.65% in product data vs. 8.08% in the bank's example
• ✕Risk of a 2 p.p. interest rate increase without minimum inflows of PLN 2,000
• ✕Amounts above PLN 30,000 require a branch visit
• ✕Requirement to hold a personal account and Pekao24 at the bank
• ✕No clear information about insurance and spouse's consent

✓ Pros

• ✓No commission for granting the loan (0%)
• ✓Fixed interest rate and equal installments throughout the repayment period
• ✓Possibility of lowering the APRC to 8.29% with the RDB829 promo code
• ✓No spouse's consent required
• ✓Application without opening a bank account — verification via a one-time login

✕ Cons

• ✕The actual APRC depends heavily on the individual creditworthiness assessment (8.29–13.95%)
• ✕The promotional APRC is available only to the first 100 customers with the RDB829 code
• ✕Inconsistent data on the maximum loan amount across bank materials (PLN 150,000 vs. PLN 200,000)
• ✕No clear information about a possible insurance requirement

✓ Pros

• ✓No commission for granting the loan (0%)
• ✓Fixed interest rate of 8.79% for the entire repayment period
• ✓High maximum loan amount — up to PLN 250,000
• ✓No insurance requirement up to PLN 40,000
• ✓Repayment period of up to 10 years — lower monthly installment

✕ Cons

• ✕Special offer only for customers without a loan at Alior Bank in the last 36 months
• ✕The offer can only be used once
• ✕Does not cover consolidation of Alior Bank's own internal liabilities (apart from installment loans) or business liabilities
• ✕No clear information on spousal consent and insurance above PLN 40,000
• ✕The actual APR depends on the customer's individual creditworthiness

✓ Pros

• ✓Fixed 8.99% interest rate for the entire loan term
• ✓No commission for granting the loan (PLN 0)
• ✓Equal instalments — a stable, predictable monthly payment
• ✓Wide amount range: PLN 500 to PLN 50,000
• ✓Long maximum term — up to 120 months (10 years)

✕ Cons

• ✕15.51% APR noticeably higher than the nominal interest rate
• ✕Discrepancy between the product's APR and the APR in the bank's representative example
• ✕No data on required insurance or spousal consent
• ✕Representative example covers only one specific scenario

✓ Pros

• ✓No commission for granting the loan
• ✓Fixed, unchanging installment throughout the entire repayment period
• ✓Wide range of amounts: PLN 1,000 – PLN 250,000
• ✓Repayment period of up to 120 months
• ✓Lower APRC for amounts above PLN 50,000 (8.60%)

✕ Cons

• ✕High APRC for amounts up to PLN 50,000 (up to 21.10%)
• ✕Funds only for repaying liabilities outside of BNP Paribas
• ✕No information about a spouse's consent requirement
• ✕Final terms depend on individual creditworthiness