Miloan

In short: Miloan Polska sp. z o.o. is a lender listed in the Polish Financial Supervision Authority (KNF) register of loan institutions (RIP000049). It offers a 30-day loan from PLN 500 to PLN 7,000, though a new customer can get at most PLN 3,000. The first loan can cost PLN 0, but only if you repay on time and give marketing consents; on standard terms the APR is 297.46%.

What kind of loan this is

It is a 30-day loan with a single repayment date for the full amount. It is granted directly by Miloan Polska sp. z o.o., based in Warsaw (ul. Domaniewska 45, KRS 0000613477). It suits a short gap in your budget, not a replacement for an instalment loan.

Limits depend on your history with Miloan. According to the table on the site, a new customer can borrow up to PLN 3,000 and a returning customer up to PLN 7,000. The term in both cases is 30 days.

APR and loan cost

The standard APR is 297.46%. Miloan gives a representative example (calculated on 05.03.2026): a PLN 1,000 loan for 30 days, fixed annual interest rate 14.50%, total cost PLN 120.10 (fee PLN 108.18 and interest PLN 11.92), total amount payable PLN 1,120.10. On top of that there is a one-off registration fee of PLN 1, which Miloan refunds.

The first loan is promotional: up to PLN 3,000 at 0% APR. According to Miloan, the conditions are "timely repayment of the Loan no later than the Repayment Date" and giving the required marketing consents. In the promotional example, PLN 1,000 for 30 days costs PLN 0.00, and PLN 1,000.00 is repayable.

In our comparison of 34 payday and non-bank loan offers (as of 15.10.2026), an APR of 297.46% ranks 22nd. The median is 176.61%, and the lowest APR belongs to Smartney at 17.11% (an instalment loan, which is a different type of product). The comparison covers only offers listed on BankSorter, not the whole market.

Our calculation

On standard terms, every PLN 100 borrowed costs PLN 12.01 for 30 days (PLN 120.10 / PLN 1,000 × 100). The calculator on the site gives the same result for PLN 3,000: interest PLN 35.75 and fee PLN 324.55, a total cost of PLN 360.30, so PLN 3,360.30 to repay.

Under the promotion, the same PLN 3,000 loan costs PLN 0. If you do not repay it on time, however, the representative example says standard terms apply, and late-payment interest may be added.

Terms and requirements

According to Miloan, you can apply if you have:

• reached the age of 21,
• an ID card,
• a personal bank account,
• a mobile phone and access to email.

Miloan states that granting a loan "in every case depends on a positive assessment of the borrower's creditworthiness". The site does not describe the rules for extending the repayment date.

How to apply

1. Register on miloan.pl.
2. Choose the loan amount.
3. Confirm your identity and bank account.

Miloan then verifies the application and sends a decision. According to Miloan, the money can reach your account "even in 15 minutes". This is the lender's claim, not a guarantee.

Not for you if…

• you need the money for longer than 30 days,
• you are a new customer and need more than PLN 3,000,
• you are under 21,
• you are not sure you can repay the full amount on time: then the 0% promotion is lost.

Watch out for

• The promotion requires marketing consents. Miloan writes: "Marketing consents are necessary for the promotional loan".
• If you pay late, Miloan may charge maximum late-payment interest (Article 481 § 2¹ of the Polish Civil Code) and, once the legal conditions are met, pass information to BIG and BIK (Polish debt and credit bureaus).
• The application includes an optional "Chroń PESEL" service package whose price is deducted from the loan amount. Miloan states that buying it "does not affect the credit decision". If you do not want it, make sure that consent is not ticked.

Summary

Miloan is a direct lender with a simple offer: 30 days, PLN 500 to PLN 7,000, with a PLN 3,000 limit for new customers. The first loan can be free, but only if you repay on time. The key decision factor is the 297.46% APR on standard terms, which means PLN 12.01 for every PLN 100 over 30 days.

As of 15.10.2026. Offer terms change, so check them with Miloan before you apply.