Funeda

In short: Funeda.pl does not lend money. It is a service that compares offers and passes your application on, and the loan terms are set by a financial institution. According to Funeda, the maximum APR offered through the service is 311.72%, amounts range from PLN 100 to PLN 100,000, and repayment can last up to 120 months. You only see the cost of your loan in a specific lender's offer.

What Funeda is

Funeda brokers loans rather than granting them. The site footer says it directly: "Funeda.pl is a platform that compares offers. The final loan terms are set by the financial institution."

The service is owned by Finelf Performance sp. z o.o., based in Sopot (ul. Armii Krajowej 116/3, tax ID NIP 6423215024). The home page does not list partner companies or name the lender that will grant the loan. You find that out only after you apply.

APR and loan cost

The maximum APR on the service is 311.72%. This is the upper limit a partner company may charge, not the cost of a specific loan. Funeda also states that the minimum APR is 0% "for a 62-day loan".

In our comparison of 34 payday and non-bank loan offers (as of 15.10.2026), 311.72% ranks 32nd. The median is 176.61%, and the lowest APR belongs to Smartney at 17.11%. This is a different measure, though: for Funeda, 311.72% is the maximum across all partners, while for lenders the APR refers to a specific product. The comparison covers only offers listed on BankSorter, not the whole market.

Our calculation

Funeda shows a representative example calculated on 07.05.2026: total credit amount PLN 7,980.47, APR 34.43%, variable interest rate 14.50%, 33 monthly instalments of PLN 351.23 and a final instalment of PLN 357.17. The total cost is PLN 3,967.29 (fee PLN 2,162.74 and interest PLN 1,804.55), and the total amount payable is PLN 11,947.76.

Result: in this example, every PLN 100 borrowed costs about PLN 49.71 (3,967.29 / 7,980.47 × 100). The fee is more than half of the total cost. The instalments add up: 33 × PLN 351.23 + PLN 357.17 = PLN 11,947.76. This is an example of a selected offer, and yours may differ.

Terms and requirements

According to Funeda, you can apply if you:

• are at least 18 years old,
• have a valid Polish ID card and an active Polish bank account,
• provide a phone number and an email address,
• have "any steady source of income (it does not have to be an employment contract)".

The application itself is free. Funeda writes that it charges "no fees for filling in the application, analysing it or for any other activity at the application stage". Costs appear only in the agreement with the lender.

On BIK (the Polish credit bureau), Funeda writes that it analyses your situation "much more broadly than just on the basis of BIK entries". This is not a promise that your credit history will not be checked. The decision is made by the partner company.

How to apply

1. Choose the loan amount.
2. Fill in a short application.
3. If the decision is positive, sign the agreement online. The money goes to your account.

According to Funeda, you get a preliminary decision "within a few minutes", and the transfer arrives "usually within 15-60 minutes" after signing the agreement. This is the service's claim, not a guarantee.

Not for you if…

• you want to know the exact cost of the loan before applying,
• you want to know from the start which company will lend to you,
• you are looking for the cheapest offer: our comparison includes products with an APR from 17.11%.

Watch out for

• A partner's APR can reach 311.72%.
• The site shows two different representative examples: a newer one dated 07.05.2026 (APR 34.43%) and an older one dated 5.10.2023 (APR 24.12%). Check the information form of the specific offer.
• Before signing, check who the lender is and what late repayment costs.

Summary

Funeda is a broker with a wide range: PLN 100 to PLN 100,000 and up to 120 months to repay, with a free application. The key decision factor is cost: the partners' maximum APR is 311.72%, and you see the real terms only in the lender's offer. Compare it with others before you accept it.

As of 15.10.2026. Offer terms change, so check them with Funeda and the lender before you apply.