Pożyczka Fit

In short: Pożyczka Fit is Kasa Stefczyka's consolidation loan with an APRC of 11.46%, a variable interest rate of 10.90%, a PLN 0 fee and a term of 4 to 120 months. The money goes only to repaying debts at other institutions, with no extra cash. It makes sense if you want to turn several instalments into one, but remember that a longer term raises the total cost.

What Pożyczka Fit is

The loan is provided by Kasa Stefczyka, the Spółdzielcza Kasa Oszczędnościowo-Kredytowa im. Franciszka Stefczyka (a Polish credit union). Pożyczka Fit is for consolidation: you combine several obligations into one monthly instalment.

You can consolidate only obligations taken out at other financial institutions. Kasa lists:

• cash loans,
• instalment and car loans,
• credit cards and overdrafts or limits on a payment account,
• payday loans.

Kasa repays these obligations for you. You cannot add extra cash to Pożyczka Fit: for spare cash Kasa points to its other loans.

The limit depends on the channel. An online or phone application allows up to PLN 70,000. At a branch you can apply for up to PLN 220,000.

Interest rate and APRC

The nominal interest rate is 10.90% a year and it is variable. That is the price of the borrowed capital alone. The APRC (annual percentage rate of charge) is 11.46% and covers all loan costs on an annual basis. Use the APRC to compare offers.

The fee is PLN 0. You repay in equal instalments: in the representative example 118 instalments are the same and the last differs by a few dozen grosz. The rate is variable, so the instalment may change when the rate changes.

Kasa also lets you defer the first instalment by up to 60 days from signing the agreement and choose your repayment day.

Compared with the market

Among the 5 consolidation loans in our comparison (as of 15.10.2026), Pożyczka Fit's 11.46% APRC ranks 4th, counting from the lowest APRC. The median is 9.15%, and the lowest APRC belongs to Bank Pekao (Pożyczka Konsolidacyjna, 8.09%). This compares offers listed on BankSorter, not the whole market, and representative examples from different banks may use different amounts and terms.

Total cost

Kasa Stefczyka's representative example dated 01.10.2026:

• total loan amount: PLN 108,500.00,
• variable interest rate: 10.90%, APRC: 11.46%,
• agreement for 119 months: 118 equal instalments of PLN 1,495.88 and a final 119th instalment of PLN 1,496.21,
• interest: PLN 69,510.05, fee: PLN 0,
• total amount payable: PLN 178,010.05.

This is a representative example under specific assumptions, not a guarantee of identical terms for everyone. The decision and terms depend on an individual creditworthiness assessment. The example amount exceeds the PLN 70,000 limit for online and phone applications, so you would apply for it at a branch.

Our calculation

In the representative example every PLN 100 borrowed costs PLN 64.06 in interest over 119 months (PLN 69,510.05 / PLN 108,500 × 100).

The term matters most here. Kasa gives indicative instalments in a simulation at an 11.46% APRC. For PLN 50,000:

• 60 instalments of PLN 1,085 add up to PLN 65,100,
• 119 instalments of PLN 690 add up to PLN 82,110.

An instalment lower by PLN 395 a month therefore costs about PLN 17,010 more over the whole term. We used the rounded instalments from Kasa's simulation, which is for information only and is not an offer.

Requirements and security

• Term: 4 to 120 months.
• Documents: ID card, proof of income and statements of the balances of loans at other institutions. You also give the account numbers of the obligations you want to consolidate.
• You can confirm income through Kontomatik, which downloads your electronic bank statements remotely.
• With repayment delays of more than 30 days, getting a consolidation loan may be impossible. Kasa then points to debt restructuring.
• Early repayment, in full or in part, is possible without an extra fee.
• You can apply online, by phone (801 600 100) or at a branch.

The product page does not state any insurance requirement or rules on spousal consent. Ask about them before signing.

Not for you if...

• you need extra cash on top of repaying debts,
• your obligations are with Kasa Stefczyka rather than other institutions,
• you have repayment delays of more than 30 days,
• you want to consolidate more than PLN 70,000 online.

Watch out for

• The simulated instalments do not include fees for transfers to the other institutions whose debts are being repaid.
• The rate is variable, so the instalment is not fixed for the whole term.
• A longer term lowers the instalment but raises the total cost.
• The promotional page mentions combining obligations "even up to 240 thousand", while in the terms Kasa gives a maximum consumer loan of PLN 220,000. Confirm the binding limit with Kasa.

Summary

Pożyczka Fit is a simple consolidation with no fee, a long term of up to 120 months and a deferred first instalment. Its 11.46% APRC is, however, above the median of our comparison (9.15%), and the money goes only to repaying debts at other institutions. Before applying, compare it with offers that have a lower APRC and choose the shortest term whose instalment you can manage.

As of 15 October 2026. Offer terms change, so check them with Kasa Stefczyka before you apply.