Ranking of cash loans in Poland — September 2026

✓ Pros

• ✓Fixed 7.69% interest rate for the whole term
• ✓No loan-arrangement commission (PLN 0)
• ✓Flexible repayment period – from 3 months to 10 years
• ✓Equal installments make budgeting easier
• ✓Low entry threshold – loans from PLN 1,000

✕ Cons

• ✕Maximum loan amount capped at PLN 30,000
• ✕APRC discrepancy in the data: 15.03% vs 7.97% in the representative example
• ✕No clear information on insurance requirements or spousal consent

✓ Pros

• ✓No commission for granting the loan
• ✓Wide range of amounts – from PLN 1,000 to PLN 250,000
• ✓Repayment period up to 10 years
• ✓No spousal consent required up to PLN 70,000
• ✓No insurance required up to PLN 150,000
• ✓Funds disbursed even within 1 day of signing the contract

✕ Cons

• ✕Variable interest rate – the instalment may increase
• ✕Above PLN 30,000 a branch visit is required
• ✕Shorter repayment period for lower amounts
• ✕Promotion is time-limited, mainly for new clients

✓ Pros

• ✓No commission for granting the loan (PLN 0)
• ✓Wide range of amounts — from PLN 500 to PLN 300,000
• ✓Long repayment period — up to 120 months (10 years)
• ✓Option to defer the first instalment (1–3 months)
• ✓No spousal consent required up to PLN 50,000

✕ Cons

• ✕Inconsistent APRC data across bank sources (8.1%–15.43%)
• ✕The lower interest rate requires an active VeloKonto and at least 5 transactions per month
• ✕Penalty of +2 pp on the interest rate for failing to meet the account conditions
• ✕Maximum amount of PLN 300,000 only for two borrowers (PLN 250,000 for one)
• ✕No clear information on the cost of any potential insurance

✓ Pros

• ✓No fee for granting the loan (0%)
• ✓Fixed nominal interest rate of 7.99% for the entire repayment period
• ✓Wide amount range: from PLN 1,000 to PLN 40,000
• ✓Long maximum repayment period – up to 70 months
• ✓Equal installments making budget planning easier

✕ Cons

• ✕Low APRC of 8.3% only if the promotion's conditions are met (account, card, salary inflow)
• ✕No salary inflow in a given month raises the interest rate by 0.4 percentage points
• ✕Choosing insurance raises the APRC to 17.8%
• ✕Time-limited promotion (until 4 September 2026)
• ✕Requires opening an additional account and card at the bank, not just the loan itself

✓ Pros

• ✓No commission for granting the loan (PLN 0)
• ✓Fixed interest rate of 8.00% throughout the repayment period
• ✓High maximum amount (up to PLN 35,000) and term up to 60 months
• ✓Equal instalments that make budget planning easier

✕ Cons

• ✕APRC of 15.62% markedly higher than the nominal interest rate
• ✕Only for new bank clients, with no previous loan there
• ✕At least 12 months of positive BIK credit history required
• ✕Minimum loan amount under the promotion is PLN 15,000

✓ Pros

• ✓No fee for granting the loan
• ✓Fixed interest rate of 8.79% for the entire repayment period
• ✓Wide amount range: PLN 500 – PLN 250,000
• ✓Repayment period of up to 10 years
• ✓Equal installments – a fixed, predictable amount

✕ Cons

• ✕Only for new customers (no loans at Alior Bank in the last 36 months)
• ✕The promotion can be used only once
• ✕APRC depends on the amount and period – as high as 17.14% in the general offer
• ✕Final terms depend on individual creditworthiness
• ✕No clear information on whether insurance or spousal consent is required

✓ Pros

• ✓No fee for granting the loan (PLN 0)
• ✓Loan without mandatory insurance
• ✓Equal installments throughout the entire repayment period
• ✓Long maximum repayment period – up to 120 months
• ✓Wide amount range – from PLN 1,000 to PLN 50,000

✕ Cons

• ✕Offer available only to completely new bank customers
• ✕Inconsistent APRC data in the bank's materials (16.75% vs 9.25%)
• ✕APRC significantly higher than the nominal interest rate
• ✕No information on spousal consent or the cost of additional insurance

✓ Pros

• ✓No commission for granting the loan
• ✓Wide range of amounts: PLN 5,000–150,000
• ✓Repayment period up to 120 months
• ✓Fixed, equal instalments throughout the repayment period
• ✓No spousal consent required and no mandatory insurance

✕ Cons

• ✕Large discrepancy between the database APRC (18.44%) and the bank's example APRC (9.99%)
• ✕Interest rate dependent on individual creditworthiness assessment (7.99–14.99%)
• ✕Minimum loan term of 12 months — no short-term option
• ✕A valid Polish ID card required (min. 31 days validity)