Ranking of payday loans in Poland - October 2026
Ranked: 19 of 31 active offers
Payday loans (up to 3 months) and instalment loans are compared separately, because the APR of a 30-day loan cannot be set against that of a multi-year loan. Payday loans are ranked on the representative examples lenders state for each term, instalment loans by APR.
Showing offers that cover this amount. Offers without stated limits stay, with a note.
Payday loans (up to 3 months)
A payday loan's APR depends on the amount and term, so each tab lists only lenders that state their own representative example for that term. We estimate nothing.
Avinto · Chwilówka
Representative example: for 5,000 zł over 30 days · cost 600.45 (12.0%)
Term: up to 1 months
The lender does not state its amount limits - check before you apply.
Kuki
Representative example: for 4,000 zł over 30 days · cost 480.50 (12.0%)
Amount: 500 – 20,000 zł
The lender does not state its amount limits - check before you apply.
CrediTu · Pożyczka gotówkowa
Representative example: for 1,000 zł over 30 days · cost 120.14 (12.0%)
Amount: up to 4,500 zł · Term: up to 1 months
The lender does not state its amount limits - check before you apply.
No offer for this term covers this amount.
Szybka Gotówka · Pożyczka pozabankowa
Representative example: for 10,000 zł over 65 days · cost 1,418.30 (14.2%)
Amount: 700 – 20,000 zł · Term: 1–3 months
The lender does not state its amount limits - check before you apply.
No offer for this term covers this amount.
Order: by APR; offers within 1 percentage point of each other are treated as tied and ordered by total cost as a share of the loan. At 30 days most lenders price at the legal cost ceiling, so APR differs by fractions of a point.
Instalment loans (over 3 months)
Loans repaid in instalments over a longer period are compared separately, by APR. We use the lender's representative example closest to 5,000, or the APR from the offer when the lender gives no example.
Smartney · Pożyczka online na raty
Representative example: No confirmed data
Amount: 1,000 – 150,000 zł · Term: 6–120 months
The lender does not state its amount limits - check before you apply.
Provident
Representative example: No confirmed data
Amount: 1,000 – 30,000 zł · Term: 12–48 months
The lender does not state its amount limits - check before you apply.
Cashspace
Representative example: No confirmed data
Amount: 100 – 5,000 zł · Term: 3–12 months
The lender does not state its amount limits - check before you apply.
Crezu
Representative example: No confirmed data
Amount: 100 – 10,000 zł · Term: 3–12 months
The lender does not state its amount limits - check before you apply.
SuperGrosz
Representative example: No confirmed data
Amount: up to 30,000 zł
The lender does not state its amount limits - check before you apply.
Netcredit
Representative example: No confirmed data
Amount: up to 20,000 zł · Term: up to 12 months
The lender does not state its amount limits - check before you apply.
AASA Polska
Representative example: for 6,300 zł over 36 months · cost 4,045.06 (64.2%)
Amount: 1,000 – 25,000 zł · Term: 4–36 months
The lender does not state its amount limits - check before you apply.
Profi Credit
Representative example: for 6,200 zł over 24 months · cost 2,932.64 (47.3%)
Amount: up to 25,000 zł · Term: up to 42 months
The lender does not state its amount limits - check before you apply.
Ekassa
Representative example: No confirmed data
Amount: 1,000 – 30,000 zł · Term: 12–36 months
The lender does not state its amount limits - check before you apply.
Citokredyt
Representative example: No confirmed data
Amount: up to 20,000 zł · Term: 6–60 months
The lender does not state its amount limits - check before you apply.
RataPro
Representative example: No confirmed data
Amount: 1,000 – 60,000 zł · Term: 3–48 months
The lender does not state its amount limits - check before you apply.
NetGotowka
Representative example: for 4,000 zł over 4 months · cost 721.28 (18.0%)
Amount: 3,000 – 5,000 zł · Term: up to 4 months
The lender does not state its amount limits - check before you apply.
Wonga · Pożyczka ratalna
Representative example: No confirmed data
Amount: 500 – 15,000 zł · Term: 3–48 months
The lender does not state its amount limits - check before you apply.
Moniak
Representative example: No confirmed data
Amount: 1,000 – 20,000 zł · Term: 3–60 months
The lender does not state its amount limits - check before you apply.
Funeda · Pożyczka pozabankowa
Representative example: No confirmed data
Amount: 100 – 100,000 zł · Term: 2–120 months
The lender does not state its amount limits - check before you apply.
First loan free
The first loan is free only if repaid on time. We also show the cost if you repay late.
Kuki
First loan up to 7,000 zł for 30 days free if repaid on time.
If repaid late: cost 840.90 zł (APR 297.58%).
Offers not in the ranking (12)
Without an amount, term and cost an offer cannot be compared fairly, so we only list these lenders.
- AvaFin - no representative example
- Credihelp.net - no APR in the offer
- Extraportfel - no representative example
- Feniko - no representative example
- Finbo - no representative example
- Miloan - no representative example
- Minicredit - no representative example
- Oros - no representative example
- Pożyczka Plus - no representative example
- Smart Pożyczka - no representative example
- Solcredit - no representative example
- Vivigo - no representative example
See all current payday loans offers
Compare all payday loansHow is this ranking created?
We collected the current payday and non-bank loan offers in Poland. Payday loans (up to 3 months) are compared in tabs by repayment term, using only the representative examples stated by lenders: by APR, and where APRs differ by less than 1 percentage point, by total cost. Instalment loans (over 3 months) are sorted by the APR of the example closest to 5,000, or the APR from the offer when the lender gives no example. Each lender appears once per section. Partner commissions do not affect selection or position.
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 check before taking a payday loan
The total cost, not just the APR
The APR is a yearly figure, so for a 30-day loan it comes out very high even when the cost in zloty is moderate. Compare the total amount to repay and the total cost in the representative example - we show it for every offer in the ranking when the lender has published one. Your own offer may differ, as it depends on the amount, the term and the credit assessment.
Legal cost caps
Since 18 December 2022, non-interest costs (fees and commissions) are capped: for a term of 30 days or more at 10% of the loan amount plus 10% per year, for a term shorter than 30 days at 5% of the loan amount. In every case no more than 45% of the loan amount in total. Interest may not exceed the maximum rate, which is twice the statutory interest rate.
Example: for 1,000 zł over 30 days the non-interest cost cap is 108.22 zł (100 zł plus 10% per year for 30 days, that is 8.22 zł).
Extending the term and taking another loan
If within 120 days of the payout you defer repayment, or take another loan from the same lender (or a company linked to it) before repaying the previous one, the costs of all of these fall under one cap, calculated from the amount of the first loan. Before extending, ask for a calculation of how much you will repay in total and by when.
First loan for 0 zł
A free first loan applies only up to a set amount and only when repaid on time. In the section with these offers we show the cost of late repayment when the lender has described it. When it has not, we say that we have no confirmed data.