CrediTu

CrediTu Cash Loan – Review

The CrediTu cash loan is a short-term non-bank loan (a "payday loan"), designed for people who need quick access to a small amount of cash for a short period - not for those looking for long-term financing or a substitute for a bank loan. This is a product for ad-hoc, one-off financial needs, repaid in full within a short, fixed term, rather than a form of ongoing, revolving financing.

APR and the cost of the loan

The Annual Percentage Rate (APR) of this loan is 297.63%. This is the only binding indicator of the full cost of this loan that we have - by definition, the APR includes all loan costs (interest, commissions, fees) converted into an annual rate, even though the loan itself is repaid over a much shorter period than a year. This figure is high, but typical for the short-term non-bank loan segment, where the APR is, by nature, much higher than for bank loans precisely because of this annualised conversion.

The maximum amount that can be borrowed under this offer is PLN 4,500. The minimum amount is PLN 1,000. The representative example published by CrediTu (as of 26.06.2026): a loan of PLN 1,000 for 30 days, fixed annual interest rate of 14.50%, total cost of PLN 120.14 (commission PLN 108.22, interest PLN 11.92), total amount to repay PLN 1,120.14, APR 297.63%.

Repayment period and conditions

The loan's repayment period is 30 days - a standard, short term typical of this type of product. The loan can be repaid early at any time at no extra cost, and early repayment entitles you to a refund of the commission. The loan is available to Polish citizens living in Poland, aged 20 to 70, with a personal bank account, who have no payment arrears older than six months when applying and pass the creditworthiness assessment. Before granting a loan, CrediTu checks creditworthiness in databases containing payment and credit history information, and verifies the bank account through the TransactionLink system. Applications can be submitted at any time, but loans are paid out on working days between 8:00 and 16:00. We were unable to confirm the rules for extending (rolling over) the loan, because CrediTu's website does not describe them, so we are not stating this information based on guesswork; it is worth asking customer service about it before applying.

Pros and cons

Pros

• Maximum loan amount up to PLN 4,500
• Short, clearly stated repayment period – 30 days
• Early repayment at no extra cost, with a commission refund
• APR stated explicitly, as a single, binding cost indicator

Cons

• Very high APR – 297.63%
• No confirmed information on loan extension (rollover) rules
• Payouts only on working days, 8:00-16:00
• Required age 20-70 and no arrears older than six months

Summary

The CrediTu cash loan is a typical payday loan with a maximum amount of up to PLN 4,500 and a 30-day repayment period. The deciding factor when choosing this offer should be the APR of 297.63% - a high, but clearly stated, total cost of the loan. Since CrediTu's website does not describe the loan extension rules, it is worth asking the lender about them directly before making a final decision.