Feniko

In short: Feniko lends from PLN 300 to PLN 7,000 for 7 to 62 days. In the representative example for a repeat loan the APRC is 174.83%. A new customer can get a first loan of up to PLN 5,000 at zero cost if they repay it on time. This is for a short gap in your budget, not for financing over years.

What the Feniko online loan is

The lender is Feniko Finanse sp. z o.o., based in Tychy (KRS 0000752082). You apply on feniko.pl or by phone.

The money goes to your bank account or comes as a GIRO cheque that you cash at a Polish Post office.

It is a short-term cash loan for a sudden expense you can repay within a few weeks. It will not replace a bank loan spread over years.

APRC and loan cost

The APRC of a repeat Feniko loan is 174.83%. The lender's representative example (calculated on 05.03.2026):

• you borrow PLN 2,500 at a variable interest rate of 14.5%,
• the total cost is PLN 337.27: a fee of PLN 291.62 and interest of PLN 45.65,
• you repay PLN 2,837.27 in 2 monthly instalments: PLN 1,418.51 and PLN 1,418.76.

In this example the fee is PLN 291.62 of the PLN 337.27 cost. The nominal 14.5% rate alone does not tell you what you will really pay. Compare the APRC and the total cost.

First loan at zero cost

Feniko runs two promotions for new customers. Both are valid until 31 December 2026 and both cover a first single-instalment loan of PLN 300 to PLN 5,000:

• "Pierwsza pożyczka za 0" (First loan for 0): repayment period of 7 to 30 days,
• "Masz aż tyle na spłatę..." (You have this long to repay...): repayment period of 61 days.

Under both sets of terms the fee is PLN 0, the total cost is PLN 0 and the APRC is 0%. The promotions cannot be combined with other Feniko promotions. You need a positive creditworthiness assessment and must sign your first agreement while the promotion runs.

Our calculation

In the representative example for a repeat loan, every PLN 100 borrowed costs PLN 13.49 (PLN 337.27 / PLN 2,500 × 100) when repaid in 2 monthly instalments. On a promotional first loan repaid on time the cost is PLN 0.

Compared with the market

Among the 34 non-bank loans in our comparison (as of 15.10.2026), Feniko's 174.83% APRC ranks 17th, counting from the lowest APRC. The median is 176.61%, and the lowest APRC belongs to Smartney (Pożyczka online na raty, 17.11%). This compares offers listed on BankSorter, not the whole market. Representative examples from different lenders may use different amounts and terms, so treat this as a rough guide.

Terms and requirements

• Amount: PLN 300 to PLN 7,000.
• Repayment period: 7 to 62 days, depending on the option you choose (according to Feniko's website).
• You must be an adult with a documented income of your own, e.g. from employment or a pension.
• You need an ID card and an active bank account in your name, unless you choose payout by GIRO cheque.
• The promotion terms also require, among other things, Polish citizenship or the right of residence and residence in Poland, no bankruptcy proceedings, and income not subject to enforcement.
• Under the promotion terms you may repay the loan in full or in part before the due date.

We did not find rules or costs for extending the repayment date on Feniko's website.

How to apply

1. Set the amount and repayment date in the calculator on feniko.pl. It shows the fee, interest, APRC and due date.
2. Create a Customer Panel account.
3. Send the application and wait for the creditworthiness assessment.

According to Feniko, you can receive the cash "even within a quarter of an hour of sending the application".

Not for you if...

• you need more than PLN 7,000,
• you cannot repay within 62 days,
• you have no documented income of your own,
• this is not your first Feniko loan and you are counting on zero cost.

Watch out for

• You can borrow at zero cost only once and only up to PLN 5,000. A loan above PLN 5,000 is not covered by the promotion.
• The promotions cover a single-instalment loan for 7-30 or 61 days. Any other option means standard costs.
• After the due date Feniko may charge late interest at twice the statutory late-payment interest (Article 481 § 2 of the Polish Civil Code).
• The representative example for the first loan on Feniko's home page dates from 2021. Check current promotion terms in the promotion rules.

Summary

Feniko makes sense mainly as a first loan of up to PLN 5,000 at zero cost, if you are sure to repay it within 30 or 61 days. In the representative example a repeat loan has an APRC of 174.83%, close to the median of our comparison. Before taking another one, compare it with offers that have a lower APRC.

As of 15 October 2026. Offer terms change, so check them with Feniko before you apply.