Pożyczka Plus

Pożyczka Plus "Szybka pożyczka on-line" – what does this loan offer?

"Szybka pożyczka on-line" ("Fast Online Loan") from Pożyczka Plus is a typical short-term payday loan - designed as a stopgap cash solution until your next paycheck, not a substitute for a bank loan or an installment loan spread over several months. The loan can be arranged fully online, with no branch visit required, and the decision comes quickly after filling in a short application form. The pozyczkaplus.pl service is run by Aventus Group sp. z o.o., a credit intermediary listed in the KNF register (RPK026240); the loans themselves are granted by its partner lending institutions Tusumi sp. z o.o. and Arena Finance sp. z o.o.

APR and the cost of the loan

The Annual Percentage Rate (APR) for this loan is 298% (for paid loans) - a key figure to know before applying, since it shows the full annual cost of the borrowed money, including interest and all fees. The standard repayment period is 30 days.

The lender's pricing differs by loan amount and customer status. According to the offer page: a loan of PLN 500–2,000 carries an APR of 298%, and returning customers pay the same 298% on loans up to PLN 20,000. New customers, however, can take advantage of a promotion: the first loan in the PLN 2,100–8,000 range is advertised as completely free, with a 0% APR - meaning no interest and no extra fees; however, whether the agreement is concluded on the promotional terms is up to the lender's decision. That is a genuine advantage, but it applies only to a first loan within that specific amount range - any further loan, or one outside that range, reverts to the standard, very high APR of 298%.

The maximum amount available to new customers is PLN 8,000; for returning customers the offer extends up to PLN 20,000.

Conditions and requirements

• Minimum borrower age: 18
• A valid ID card is required
• A bank account for the transfer of funds and identity verification
• An active phone number and email address
• Positive verification of the submitted data

The service states that the lenders do not review entries in Poland's Credit Information Bureau (BIK) when assessing the application. It is worth remembering, though, that since 17 May 2023 lending institutions in Poland have a statutory duty to report loans they grant to BIK - so the fact that your credit history is not checked when this particular loan is granted does not mean the loan itself will not be recorded there and will not affect your creditworthiness on future applications elsewhere.

The repayment period is 30 days - the offer page gives no information about rollover/extension rules or about the terms of early repayment, so these points cannot be reliably assessed here; it is worth asking about them directly before signing the agreement.

How to apply

1. Choose the loan amount using the slider on the Pożyczka Plus website
2. Fill in the application form and confirm your identity
3. Wait for the decision - you will be notified by SMS

Summary

"Szybka pożyczka on-line" from Pożyczka Plus is aimed at people who need a modest sum for a very short period and can repay it within 30 days. The key feature is the first-loan promotion for new customers - PLN 2,100–8,000 at 0% APR - which, if you fall within that amount range and it is your first loan with this lender, can be a genuinely cheap form of financing. Outside that exception, the APR is 298%, making this a very expensive way to borrow money - late repayment can quickly generate a very high total cost.