Solcredit

In short: Solcredit does not lend money, it acts as an intermediary: after you fill in the form, it passes your application to partner companies, and one of them grants the loan. The stated max APR of 485.25% is the highest cost a partner may charge, not the price of a specific loan. The service makes sense if you want to see several offers at once and will compare the APR yourself before signing a contract.

What Solcredit is

Solcredit is a credit intermediary service. According to its website, it is operated by Fiizy Poland Sp. z o.o., based in Warsaw (KRS 0000804600), entered in the Polish Financial Supervision Authority (KNF) Register of Credit Intermediaries under number RPK031469.

On its website Solcredit states that it is not a lender, does not lend its own funds and does not make credit decisions. The form is used to match an offer, and each loan is governed by the terms of the specific lender.

You do not pay for the service. According to the website, Solcredit is paid directly by lenders and partners.

APR and loan cost

The maximum APR stated by Solcredit is 485.25%. This is the upper limit for partner offers. You will only find out how much you will pay from the offer of the chosen lender, before signing the contract.

The website lists two types of products:

• Quick loan: from PLN 100 to PLN 25,000,
• Instalment loan: from PLN 5,000 to PLN 30,000.

Solcredit gives two cost examples, both calculated as of 08.01.2024:

• a PLN 2,000 loan repaid within 120 days: fees PLN 104.30, total to repay PLN 2,104.30, APR 27.80%;
• a PLN 4,000 instalment loan in 30 monthly instalments of PLN 195.39: total cost PLN 1,861.56, total to repay PLN 5,861.56, APR 37.14%.

Both examples are more than 2.5 years old. Treat them as an illustration, not as the partners' current pricing.

Our calculation

Solcredit's examples show how much each PLN 100 borrowed costs:

• PLN 2,000 loan over 120 days: PLN 104.30 / PLN 2,000 × 100 = about PLN 5.2 per PLN 100;
• PLN 4,000 instalment loan over 30 instalments: PLN 1,861.56 / PLN 4,000 × 100 = PLN 46.54 per PLN 100.

These are not guaranteed rates: the offer you receive may be more expensive, up to the max APR of 485.25%.

Compared with the market

In our comparison of 34 payday and non-bank loan offers on BankSorter (as of 15.10.2026), the median APR is 176.61%. Solcredit's max APR (485.25%) is the highest value in this comparison. It is, however, a different measure from a lender's APR: the upper limit for all of the intermediary's partners, not the cost of one loan. The comparison covers offers on BankSorter, not the whole market.

Conditions and requirements

To apply through Solcredit, according to the website you must:

• be between 18 and 80 years old,
• live in Poland,
• have a Polish bank account,
• have an email address and a mobile phone number.

The website states a repayment period for payday loans of 91 to 120 days. The instalment loan example assumes 30 monthly instalments. Rules on extensions and early repayment are set by the contract with the specific lender, and Solcredit does not state them.

How to apply

1. You fill in the form on the Solcredit website.
2. You choose one of the offers presented. According to Solcredit, you can receive up to 11 offers.
3. You complete the application with the chosen lender and sign the contract with them.

Who it is for

Solcredit is useful if you need between PLN 100 and PLN 30,000 and want to see several offers from one form instead of applying separately with each company.

Not for you if…

• you want to know the loan cost before giving your details: you will only see the specific APR in the partner's offer;
• you prefer a contract directly with a lender, without an intermediary passing your data on;
• you are over 80: this is the upper age limit stated by Solcredit.

Watch out for

• The max APR of 485.25% is more than 2.7 times the median in our comparison (176.61%). Check the APR of every offer before accepting it.
• Solcredit's website contains slogans about high approval rates and offers for people with entries in BIK, but in its disclaimers the same service states that approval of the application is not guaranteed and that the terms depend on the lender's creditworthiness assessment.
• The cost examples come from a calculation dated 08.01.2024.

Summary

Solcredit is a free intermediary that collects partner offers for you, not a lender. The key figure is the max APR of 485.25%: the maximum a partner's offer can cost. Use the service if you will compare the APR of the offers you receive and choose the cheapest one, not the first one that comes along.

As of 15 October 2026. Offer terms change, so check them with Solcredit and the chosen lender before applying.