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Monthly ranking July 2026

Best Consolidation loans in Poland — July 2026

4 offers · Lower rate = better offer

Created 14.07.2026 · Updated 27.07.2026

In July 2026 we compared the best Consolidation loans available. Rates ranged from 7.9% to 12.69%. Top offer: Bank Pekao with "Pożyczka Konsolidacyjna" at 7.9% per year. This ranking covers offers available in Poland.

Offer ranking — July 2026

1
★ #1 Best offer
Bank Pekao
Bank Pekao

Pożyczka Konsolidacyjna

✓ Interest rate: 7.90% ✓ APR: 13.81% ✓ No commission ✓ Amount: 1,000 zł – 250,000 zł
Lowest Cost
7.90%
interest rate
Apply
2
Raiffeisen Digital Bank
Raiffeisen Digital Bank

Pożyczka gotówkowa z kodem promocyjnym RDB829

✓ Interest rate: 7.99% ✓ APR: 13.95% ✓ No commission ✓ Amount: 5,000 zł – 150,000 zł
Top 3
7.99%
interest rate
Apply
3
Alior Bank
Alior Bank

Internetowy Kredyt Konsolidacyjny

✓ Oprocentowanie: 8.79% ✓ RRSO: 15.20% ✓ Bez prowizji ✓ Kwota: 500 zł – 100 000 zł
Top 3
8.79%
interest rate
Apply
4
BNP Paribas Bank Polska
BNP Paribas Bank Polska

Kredyt Konsolidacyjny

✓ Interest rate: 12.69% ✓ APR: 21.10% ✓ No commission ✓ Amount: 1,000 zł – 250,000 zł
Best Rate New
12.69%
interest rate
Apply

How is this ranking created?

We checked 4 consolidation loans offers in Poland for you in July 2026. The ranking is based on interest rate (50%), editorial ratings (30%) and user popularity (20%).

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.

FAQ

In July 2026 Bank Pekao led the ranking with a rate of 7.9%. Note that your final offer depends on your credit history and the amount being consolidated.
Consolidation makes sense when your combined current instalments exceed the new single payment, or when you want to simplify your finances. Be cautious about extending the repayment term — a lower instalment can mean a higher total cost.

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