Offer ranking — May 2026
#1 Best offer
Citi Handlowy
Lowest Cost
Popular
Pożyczka gotówkowa dla nowych klientów
- Oprocentowanie: 7.89%
- RRSO: 15.41%
- Bez prowizji
- Kwota: 20 000 zł – 150 000 zł
7.89%
interest rate
#2 place
VeloBank
Pożyczka gotówkowa
- Oprocentowanie: 7.90%
- RRSO: 15.43%
- Bez prowizji
- Kwota: 500 zł – 300 000 zł
7.90%
interest rate
#3 place
Bank Millennium
Pożyczka gotówkowa online
- Oprocentowanie: 7.99%
- RRSO: 15.60%
- Bez prowizji
- Kwota: 1 000 zł – 40 000 zł
7.99%
interest rate
Bank Pekao
Popular
Pożyczka Ekspresowa
- Oprocentowanie: 7.90%
- RRSO: 15.43%
- Bez prowizji
- Kwota: 1 000 zł – 250 000 zł
7.99%
interest rate
Santander Consumer Bank
Promocyjny Mistrzowski Kredyt Gotówkowy
- Oprocentowanie: 8.00%
- RRSO: 15.62%
- Bez prowizji
- Kwota: 1 000 zł – 50 000 zł
8.00%
interest rate
Santander Consumer Bank
Kredyt Gotówkowy online z kodem "OTWIERAM"
- Oprocentowanie: 8.00%
- RRSO: 15.62%
- Bez prowizji
- Kwota: 15 000 zł – 35 000 zł
8.00%
interest rate
BNP Paribas Bank Polska
Top 3
Pierwsza Pożyczka
- Oprocentowanie: 9.39%
- RRSO: 15.53%
- Bez prowizji
- Kwota: 1 000 zł – 50 000 zł
8.59%
interest rate
Alior Bank
Pożyczka Internetowa
- Oprocentowanie: 8.79%
- RRSO: 17.14%
- Bez prowizji
- Kwota: 500 zł – 250 000 zł
8.79%
interest rate
Raiffeisen Digital Bank
Top 3
Pożyczka gotówkowa
- Oprocentowanie: 9.47%
- RRSO: 18.44%
- Bez prowizji
- Kwota: 5 000 zł – 200 000 zł
9.47%
interest rate
BNP Paribas Bank Polska
Best Rate
Kredyt gotówkowy online
- Oprocentowanie: 9.99%
- RRSO: 19.43%
- Bez prowizji
- Kwota: 1 000 zł – 20 000 zł
9.99%
interest rate
How is this ranking created?
We checked 10 cash loans offers in Poland for you in May 2026. The ranking is based on interest rate (50%), editorial ratings (30%) and user popularity (20%).
A personal loan lets you finance any goal — from home renovation to a car purchase. Banks differ in rates, fees, required insurance and repayment flexibility. Always compare the APR (Annual Percentage Rate), which reflects the true total cost.
FAQ
In May 2026, Citi Handlowy offered the lowest rate in our ranking at 7.89% per year. Always compare the APR, which includes all costs.
The most important metric is the APR, which covers the nominal rate, origination fee and insurance costs. Also check whether the bank requires add-on products like a current account or credit card.
In May 2026 personal loan rates ranged from 7.89% to 9.99% per year, depending on the borrower profile, loan amount and term.
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