Profi Credit

Profi Credit – Loan Review

Profi Credit is a non-bank loan for people who need cash financing repaid in instalments, outside a traditional bank loan. The lender is PROFI CREDIT Polska S.A., based in Warsaw and listed in the Polish Financial Supervision Authority (KNF) register of loan institutions. It suits borrowers who accept a higher cost in exchange for a fast decision and limited paperwork.

APR and Loan Cost

The lender publishes a representative example (as of 18.06.2026): for a total loan amount of PLN 9,000 the Annual Percentage Rate of Charge (APR/RRSO) is 44.48%, with a variable interest rate of 14.50% per year. The total cost of the loan is PLN 7,256.58, of which PLN 4,045.08 is non-interest costs and PLN 3,211.50 is interest. The loan is spread over 42 monthly instalments of PLN 387.07, and the total amount payable is PLN 16,256.58. Non-interest costs therefore make up a larger share of the cost than interest, so it is worth comparing this offer with other instalment loans before deciding.

The maximum amount you can apply for is PLN 25,000, and the repayment period stated by the lender is 42 months. The exact instalment amount and total cost of a specific loan depend on the amount, the repayment period and the customer's creditworthiness – the final terms are always shown in the information form or the loan agreement provided by the lender before signing.

Terms and Requirements

Repayment in monthly instalments over 42 months sets this offer apart from a classic, single-payment 30-day payday loan – Profi Credit works as an instalment loan. To apply, you leave your first name and phone number on the website or fill in the online application. An adviser calls back and carries out an initial creditworthiness check during the call, and in most cases you learn the decision during the first phone call. After approval, the formalities are completed at a meeting with a financial adviser; the lender also grants loans through a remote channel. The documents required depend on the amount, and in some cases a copy of your ID card is enough. The money is paid out by bank transfer. The lender does not state the minimum loan amount or the required borrower age on its home page or in its FAQ, so it is worth checking them in the documents provided during the application process.

Summary

Profi Credit is an instalment loan of up to PLN 25,000 repaid in 42 monthly instalments, with an APR of 44.48% in the representative example for PLN 9,000. It is a realistic option for people who need cash and value a fast decision by phone, but the cost is high: in the representative example the total cost of the loan exceeds 80% of the amount borrowed. Before signing the agreement, it is worth carefully comparing the APR with alternative offers and confirming all repayment terms directly with the lender.