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Payday loans

Found 60 offers · Sorted by: Interest rate

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#1 Best offer
Finloo
Finloo PLN Verified 30.04.2026

Finloo

▸ 1 week ago
4.05%
APR
Apply now
100% max
#2 place
Moniak
Moniak PLN Verified 30.04.2026

Moniak

▸ Max: 2 500 PLN ▸ 1 week ago
34.97%
APR
Apply now
12% max
#3 place
Crezu
Crezu PLN Verified 30.04.2026

Crezu

▸ Max: 100 PLN ▸ 1 week ago
36.00%
APR
Apply now
11% max
Cashspace
Cashspace PLN Verified 30.04.2026

Cashspace

▸ Max: 100 PLN ▸ 1 week ago
36.00%
APR
Apply now
11% max
Netcredit
Netcredit PLN Verified 30.04.2026

Netcredit

▸ Max: 5 000 PLN ▸ Age: 20–70 yrs ▸ 1 week ago
38.97%
APR
Apply now
10% max
Halvo - karta kredytowa
Halvo - karta kredytowa PLN Verified 30.04.2026

Halvo - karta kredytowa

▸ 1 week ago
38.97%
APR
Apply now
10% max
Opena
Opena PLN Verified 30.04.2026

Opena

▸ Max: 1 000 PLN ▸ 1 week ago
40.11%
APR
Apply now
10% max
Pieniadze-Pozyczka
Pieniadze-Pozyczka PLN Verified 30.04.2026

Pieniadze-Pozyczka

▸ 1 week ago
42.73%
APR
Apply now
9% max
Tukredyt
Tukredyt PLN Verified 30.04.2026

Tukredyt

▸ 1 week ago
42.73%
APR
Apply now
9% max
Citokredyt
Citokredyt PLN Verified 30.04.2026

Citokredyt

▸ 1 week ago
55.90%
APR
Apply now
7% max
Cashtero
Cashtero PLN Verified 30.04.2026

Cashtero

▸ Max: 100 PLN ▸ 1 week ago
68.26%
APR
Apply now
6% max
RataPro
RataPro PLN Verified 30.04.2026

RataPro

▸ Max: 1 000 PLN ▸ 1 week ago
68.26%
APR
Apply now
6% max
NetGotowka
NetGotowka PLN Verified 30.04.2026

NetGotowka

▸ 1 week ago
69.74%
APR
Apply now
6% max
Szybka Gotówka
Szybka Gotówka PLN Verified 30.04.2026

Pożyczka pozabankowa

▸ Min: 700 PLN ▸ Max: 20 000 PLN ▸ Period: 1–3 mo. ▸ 1 week ago
111.00%
APR
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4% max
SmartPozyczka
SmartPozyczka PLN Verified 30.04.2026

Smartpozyczka

▸ Max: 100 PLN ▸ 1 week ago
112.42%
APR
Apply now
4% max
SmartPozyczka
SmartPozyczka PLN Verified 30.04.2026

SmartPozyczka

▸ Max: 4 000 PLN ▸ 1 week ago
112.42%
APR
Apply now
4% max
Modnapozyczka
Modnapozyczka PLN Verified 30.04.2026

Modnapozyczka

▸ Period: 6–60 mo. ▸ 1 week ago
117.94%
APR
Apply now
3% max
Cardina
Cardina PLN Verified 30.04.2026

Cardina

▸ 1 week ago
139.50%
APR
Apply now
3% max
Feniko
Feniko PLN Verified 30.04.2026

Feniko

▸ Max: 5 000 PLN ▸ Period: Max 2 mo. ▸ 1 week ago
174.83%
APR
Apply now
2% max
HajsOnline
HajsOnline PLN Verified 30.04.2026

HajsOnline

▸ Max: 5 000 PLN ▸ 1 week ago
178.38%
APR
Apply now
2% max

Guide: Payday loans

How to use payday loans safely and avoid debt traps.

1

APR can look astronomical — and that's normal

A 30-day payday loan with a 10% fee gives an APR of over 120%. That's the effect of maths, not hidden charges — a short term "inflates" the annual figure. Compare the total cost of the loan (total repayable minus the amount borrowed), not just the APR.

2

First loan free — read the terms

Many payday lenders offer a first loan interest-free. This is a genuine offer, but it only applies to new customers, a specific amount and repayment term. Being even one day late cancels the promotion and triggers full charges.

3

Repay on time or refinance in advance

An unpaid payday loan generates penalty interest and collection costs that can exceed the amount borrowed. If you know you won't make it — contact the lender before the due date and negotiate an extension. It will be cheaper than a late payment.

4

Borrow only what you really need

Payday loans are an expensive product. Limit the amount to the bare minimum and repay as quickly as possible — every additional day generates cost. Don't treat it as a "just in case" reserve.

5

Verify the lender in the FCA register

Only borrow from firms listed in the Polish Financial Supervision Authority (KNF) register of lending institutions (knf.gov.pl → Markets → Lending institutions). Firms outside the register operate outside consumer legal protection and may apply unlawful terms.

Frequently asked questions

Cash loans are issued by banks, regulated under Banking Law and require a credit check. Payday loans are issued by non-bank lending institutions — the decision is faster (often 15 minutes) but costs are higher. Payday loans are typically small amounts (up to 3,000–10,000 PLN) for a short period (7–30 days), whereas a cash loan can be up to 200,000 PLN over several years.
The typical range for new customers is 100–3,000 PLN for 7–30 days. Lenders generally increase limits for returning customers with a clean repayment history — up to 10,000–15,000 PLN and for several months with so-called instalment loans.
Yes — non-bank lending institutions have no statutory obligation to check the credit bureau. In practice most verify identity and a bank account, and some use the BIG InfoMonitor debtors' register instead. "No credit check" means no impact on your credit score and availability even with a negative credit history.
Penalty interest accrues (up to twice the statutory interest rate, around 22.5% p.a.) plus reminder and demand notice fees. The debt goes to the credit bureau debtors' register, making future borrowing or renting a flat more difficult. The lender may also sell the debt to a debt collector or take court action. Contact the lender before the due date — refinancing is always cheaper.
Yes. Since 2016 lending institutions have been listed in the KNF register and are subject to the Consumer Credit Act. The Act caps costs: interest cannot exceed 20% of the loan amount and total non-interest costs cannot exceed 45% (for contracts up to 30 days). Total interest and fees combined cannot exceed 100% of the loan amount over the entire term.