Ranking of payday loans in Poland — September 2026

✓ Pros

• ✓Payout to your account within a few minutes
• ✓Comparison of several loan offers in one place
• ✓Flexible repayment period from 3 to 12 months
• ✓Simple application - identity document and bank account

✕ Cons

• ✕It's a comparison service, not a single lender - you'll only learn the terms once matched
• ✕No clear rules on rollover/extension of the loan
• ✕No information on early repayment
• ✕APR of 36% is the maximum value, not a guaranteed rate

✓ Pros

• ✓APR clearly stated at 36%
• ✓Maximum loan amount up to PLN 5,000
• ✓Flexible repayment period from 3 to 12 months
• ✓Simple, fully online application process
• ✓Minimal formal requirements – ID card and PESEL number

✕ Cons

• ✕APR of 36% – relatively high cost compared to a bank loan
• ✕No information on the loan extension (rollover) rules on the website
• ✕No clear early repayment terms on the website
• ✕Unclear credit history (BIK) verification rules
• ✕Low maximum amount (PLN 5,000) compared to a cash loan from a bank

✓ Pros

• ✓APR clearly stated: 38.97%
• ✓No fees for early repayment
• ✓Credit line of up to PLN 20,000 with flexible use
• ✓Apply online or by phone

✕ Cons

• ✕Check in BIK and other credit databases
• ✕Agreement renews automatically unless you terminate it
• ✕Available only to people aged 20-70
• ✕APR above 38% despite the annual term of the agreement

✓ Pros

• ✓High maximum loan amount (up to PLN 20,000)
• ✓Long, flexible repayment period (6-60 months)
• ✓Simple process — one application to fill in
• ✓Ability to adjust the installment amount to your budget

✕ Cons

• ✕High APR reaching 55.90%
• ✕No information on rollover/extension rules
• ✕No explicit information on age requirements and BIK verification
• ✕Submitting an application does not guarantee the loan will be granted

✓ Pros

• ✓Wide range of available amount – up to PLN 60,000
• ✓Flexible repayment period – from 3 to 48 months
• ✓Availability for a wide age range (18–80 years)
• ✓Fully electronic, simple application process

✕ Cons

• ✕High APR (68.26%) – significantly more expensive than a bank loan
• ✕No information on the website about loan extension/rollover rules
• ✕No clearly described early repayment terms
• ✕Vague description of the application process, without detailed steps

✓ Pros

• ✓Fully online application, no need to leave home
• ✓Fast credit decision (declared within a few minutes)
• ✓Flexible loan amount selection via slider
• ✓Clear representative APR example provided by the lender

✕ Cons

• ✕High APR (69.74% in the representative example, up to 79.58% for other parameters)
• ✕No publicly stated maximum loan amount
• ✕No information on available repayment periods beyond one example
• ✕No description of loan extension (rollover) rules
• ✕No information on early repayment terms and borrower requirements

✓ Pros

• ✓APR clearly stated at 40.69% – full cost transparency
• ✓Option of early repayment without any additional costs
• ✓Long repayment period for a non-bank loan – up to 36 months
• ✓High maximum loan amount – up to PLN 25,000
• ✓Fully remote, simple application process

✕ Cons

• ✕High cost of the loan – APR 40.69%
• ✕Positive creditworthiness assessment required and no entries in debtor registers
• ✕No information on the rules for a possible extension (rollover) of the loan
• ✕Availability limited by applicant age (20–80 years)

✓ Pros

• ✓High maximum loan amount – up to PLN 20,000
• ✓Very fast decision – even under 15 minutes
• ✓Simple, fully online application process
• ✓Possibility of extending the financing in selected situations

✕ Cons

• ✕Very high APRC – 145%
• ✕Short repayment period – up to approx. 65 days
• ✕No clear information on early repayment rules
• ✕Available only to Polish citizens with an account at a Polish bank

✓ Pros

• ✓Simple, fully online application process
• ✓Fast loan decision
• ✓Clearly defined, short repayment period (3 months)
• ✓Loan limit individually tailored after application verification

✕ Cons

• ✕Very high APRC (112.41%)
• ✕No maximum loan amount stated in the offer
• ✕No openly stated rules for loan extension/rollover
• ✕No openly stated early repayment conditions
• ✕No openly stated age limits for the borrower

✓ Pros

• ✓Compare multiple non-bank loan offers in one place
• ✓High maximum loan amount – up to PLN 20,000
• ✓Flexible repayment period – from 3 to 60 months
• ✓Initial offer check without a BIK inquiry
• ✓Fast decision – in as little as 15 minutes
• ✓Minimum paperwork – ID card and Kontomatik/SMS verification

✕ Cons

• ✕Very high APR – 189.39% in the representative example
• ✕No information on early repayment terms
• ✕No information on loan extension/rollover rules
• ✕Full BIK verification only after submitting the application to the lender

✓ Pros

• ✓Clearly defined, small maximum amount – PLN 1,000
• ✓APR stated clearly and unambiguously
• ✓Fast, simplified application process typical of this loan segment

✕ Cons

• ✕Very high APR – 206.58%
• ✕No clear data on repayment period or rollover rules
• ✕No confirmed information about borrower age requirements

✓ Pros

• ✓Clearly defined maximum loan amount (up to PLN 2,500)
• ✓Flexible repayment period of up to 48 months instead of a single lump-sum repayment

✕ Cons

• ✕Very high APR (289.10%)
• ✕No publicly available information on extension and early repayment rules
• ✕No confirmed age requirements or creditworthiness verification rules

✓ Pros

• ✓Maximum amount up to PLN 6,000 – more than a typical one-off payday loan
• ✓Repayment period spread over 3 months, not just a single repayment after 30 days
• ✓Clearly stated APR, making it easy to compare the cost with other offers

✕ Cons

• ✕Very high APR (296.64%) – a typical but costly figure for this loan segment
• ✕Only one fixed repayment period available (3 months), with no option to choose a shorter or longer term
• ✕No confirmed information on rollover rules, early repayment, or age requirements – these need to be checked directly before applying

✓ Pros

• ✓Possible free first loan if repaid on time
• ✓Fast, fully online decision — in as little as 5 minutes
• ✓Flexible range: from a short-term loan to instalments over 36 months
• ✓High amounts for returning customers and the instalment variant (up to PLN 15,000 / PLN 30,000)

✕ Cons

• ✕Very high APR on the short-term loan (298.92%)
• ✕Debtor registers are checked (BIG InfoMonitor, BIG KRD, CRIF)
• ✕The free first-loan promotion is lost if repayment is late
• ✕Upper borrower age limit of 75

✓ Pros

• ✓Transparent cost calculation - APR and repayment amount shown before applying
• ✓Fast decision - usually within around fifteen minutes
• ✓Money in your account within 24 hours
• ✓Growing limit up to PLN 10,000 for returning, on-time customers
• ✓Fully online process, no branch visit required

✕ Cons

• ✕Very high APR (297.46%) - one of the more expensive ways to borrow
• ✕Short, fixed repayment period (30 days, single repayment)
• ✕BIK credit check - negative credit history may result in rejection
• ✕Refinancing option for repayment trouble comes with extra costs