Compare
Compare payday loans in Poland
Found 22 offers · 22 institutions · data as of 12.10.2026 · Sorted by: APR
See the ranking of the best payday loansNeed
Links marked → are affiliate links. By clicking, you can support the site at no extra cost to you.
Editors' pick — Top 3
Cashspace — Cashspace
Crezu — Crezu
Netcredit — Netcredit
How rates changed over the last year
Lowest and highest interest rate among active offers in this category, at the end of each month.
Guide: Payday loans
How to use payday loans safely and avoid debt traps.
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.
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.
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.
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.
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.