Pierwsza Pożyczka

BNP Paribas Pierwsza Pożyczka – who this cash loan is for

Pierwsza Pożyczka ("First Loan") is a cash loan from BNP Paribas Bank Polska that can be used for any consumer purpose – renovation, buying equipment, paying off other obligations, or another large expense. The bank offers it to new individual customers who, when applying, are not party to any retail agreement with the bank. The loan amount ranges from PLN 1,000 to PLN 50,000, with a repayment term of 6 to as long as 120 months (10 years). The bank also says that Pierwsza Pożyczka can be used to combine loans from other banks into one instalment. That makes it a fit for both smaller and mid-sized cash needs of people who have not used BNP Paribas products before.

Interest rate and APRC

According to the bank's page, Pierwsza Pożyczka carries a fixed nominal interest rate of 9.39% per year. Far more important, however, is the Annual Percentage Rate of Charge (APRC), which in the bank's representative example as of 24.09.2026 is 9.80%. The APRC is the legally mandated figure that captures not just the interest rate but every other cost of the loan – any commissions, arrangement fees, or the cost of add-on products – which is why the APRC, not the nominal rate, should be the main figure used to compare this offer against other cash loans on the market. The bank notes that the final interest rate and commission are set in individual negotiations with the customer, and availability depends on the creditworthiness assessment.

In the representative example the loan is repaid in equal (annuity) instalments: 59 instalments are identical and the last one differs by a few groszy. That makes budgeting predictable, unlike decreasing instalments, where the first payments are significantly higher and later ones gradually shrink.

Total cost

The bank publishes a statutory representative example on the product page. Per that example, for a total loan amount of PLN 28,223 spread over 60 monthly instalments (59 instalments of PLN 591.22 and one of PLN 591.18), at a fixed nominal rate of 9.39% and an APRC of 9.80%, without insurance, the total cost of the loan is PLN 7,250.16 (entirely interest, commission PLN 0), and the total amount payable is PLN 35,473.16.

The calculator on the bank's website is only indicative, so before signing anything, recalculate the instalment for your desired amount and term and ask for a cost breakdown for your own application – your terms may differ from the example.

One genuine strength of the offer is the lack of any commission – the bank states that you pay no commission or other fees for granting the loan, so in the representative example the only cost of the loan is interest.

Requirements and safeguards

The key condition is being a new customer: on the day you apply, you cannot be party to any retail agreement with BNP Paribas. The representative example refers to a loan without insurance. The product page does not state an upper age limit or whether a spouse's consent is needed. The absence of this information doesn't automatically mean these requirements don't exist – it simply means they aren't disclosed in the available product materials, so it's worth confirming the details directly with a bank advisor before applying. You can apply via the hotline (500 990 500 or 22 134 00 00, on working days 8:00-20:00) or at a branch.

The repayment term is unusually flexible – from just 6 months up to 120 months (10 years) – letting you match the instalment size to your household budget. Keep in mind, though, that a longer term, while lowering the individual instalment, increases the total cost of the loan because interest accrues for longer.

Pros and cons

• No commission or other fees for granting the loan
• Fixed interest rate and equal instalments in the representative example
• Long maximum repayment term – up to 120 months
• Wide amount range – from PLN 1,000 to PLN 50,000

• Only for new customers with no other retail agreements with the bank
• Maximum amount of PLN 50,000 – the bank has other loans for higher amounts
• Final interest rate and commission set individually, depending on creditworthiness
• No disclosed information on an upper age limit or spousal consent

Verdict

BNP Paribas's Pierwsza Pożyczka is a cash loan for new customers of the bank, with amounts from PLN 1,000 to PLN 50,000 and a very flexible repayment term of up to 10 years, with no commission for granting it. The key decision factor should be the APRC, which in the representative example as of 24.09.2026 is 9.80% at a fixed rate of 9.39% – it shows the real, full cost of the obligation, and it's worth comparing it directly against the APRC of competing cash loans for a similar amount and term.