Compare cash loans in Poland

APR (Annual Percentage Rate) is the total cost of a loan expressed as an annual percentage. Unlike the nominal interest rate, it includes commission, insurance and all other fees. Always compare APR — not just the interest rate.

Banks offer cash loans of up to 200,000 PLN. Creditworthiness is assessed based on income level, credit bureau history, existing liabilities and employment type. A rough rule of thumb: the monthly instalment should not exceed 40–50% of net income.

Yes — some banks offer loans without a credit bureau check, usually at a higher APR and with a lower maximum amount. Use the "No credit check" filter on this page to see available offers.

Many banks give a preliminary decision online within 15 minutes. After acceptance and signing the agreement, the transfer usually arrives the same or next business day.

Yes — consumer law guarantees the right to early repayment at any time. The fee cannot exceed 1% of the amount repaid (in the first year of the agreement) or 0.5% (after one year). After full early repayment the bank must refund a proportionate part of the costs already charged.