Minicredit

In short: MiniCredit lends from PLN 500 to PLN 9,600 for 30 days at an APR (RRSO) of 297.61%. In the representative example, every PLN 100 borrowed costs about PLN 12.01. This is an offer for a short gap in your budget that you will definitely repay on time, not for financing larger purchases.

What the MiniCredit non-bank loan is

The lender is Minicredit sp. z o.o., based in Warsaw (ul. Migdałowa 4, KRS 0000371165, loan institution register number RIP000616). It is a single loan for 30 days, applied for and handled online.

A payday loan is not a substitute for a bank loan. It makes sense when you are short of money for a few weeks and know where the full amount plus costs will come from.

APR and loan cost

The APR is 297.61%. That is the figure in the representative example on MiniCredit's website, and our database holds the same value (checked by our editors on 14.10.2026).

The lender's representative example: a PLN 2,500 loan for 30 days, variable interest rate 14.50%, total cost PLN 300.34 (commission PLN 250.00, servicing commission PLN 20.55, interest PLN 29.79), total amount to repay PLN 2,800.34.

Against the market: in our comparison of 34 non-bank loan offers (as of 15.10.2026) this offer ranks 27th by APR, counting from the lowest. The median APR is 176.61%, and the lowest APR belongs to Smartney (17.11%). This compares offers listed on BankSorter, not the whole market.

Our calculation

We take the figures from the representative example: PLN 300.34 of cost on a PLN 2,500 loan. Calculation: 300.34 / 2,500 × 100 = 12.01. In this example, every PLN 100 borrowed costs you about PLN 12.01 for 30 days, provided you repay on time. The calculator on the lender's website shows the cost for other amounts.

Terms and requirements

• Amount from PLN 500 to PLN 9,600, term 30 days.
• Age from 18 to 75 (according to MiniCredit's FAQ).
• You need your own mobile phone number, a personal bank account, a valid ID card (dowód osobisty) and full legal capacity.
• You can have only one active loan at MiniCredit. You apply for the next one after repaying the previous one.
• A bank loan or a loan from another company does not rule out an application, but according to MiniCredit you must not be behind on repayments at other institutions.
• You can repay early. According to the FAQ, you then get a refund for the unused loan period.

We did not find rules for extending the repayment date on the lender's website, so we do not describe them.

Watch out for

• After the due date the lender may charge maximum late-payment interest: twice the sum of the NBP reference rate and 5.5 percentage points per year.
• Long-term non-payment may lead to your data being passed to the Credit Information Bureau (BIK). You may also bear court and enforcement costs.
• Approval and loan terms depend on an individual creditworthiness assessment. A calculator result is not an offer.

Not for you if...

• you need more than PLN 9,600;
• you will not repay the full amount plus costs within 30 days;
• you already have an active loan at MiniCredit or arrears at other institutions;
• you are looking for cheap financing: an APR of 297.61% is above the 176.61% median in our comparison.

How to apply

According to MiniCredit, the process has three steps: you choose the amount with the calculator slider, fill in the online application, and after a positive decision you receive a transfer to your account. The lender says the application takes less than 5 minutes and the money can be in your account in as little as 15 minutes. The transfer goes via Przelewy24, and the booking time depends on your bank. Applications are accepted 24 hours a day, 7 days a week. MiniCredit states that it does not require proof of income.

Summary

MiniCredit offers PLN 500 to PLN 9,600 for 30 days, with a full representative example on its website and early repayment with a refund for the unused period. The deciding factor should be the APR of 297.61%: in the example you repay PLN 2,800.34 for PLN 2,500. Take this loan only if you have a certain source of repayment within a month.

As of 15 October 2026. Offer terms change, so check them with MiniCredit before applying.