See RRSO (Polish APR), monthly payment and total cost. No hard pull on BIK. Comparing here leaves no trace.
Simulation only; nothing is recorded in your credit history.
We work commercially with some of the presented institutions; for the rest we present public data.
Kolejność opiera się na RRSO; umowy handlowe mogą wpływać na pozycje. Zawsze możesz sortować ściśle po RRSO. Details
One screen. No endless form.
The order is based on RRSO; commercial agreements may affect positions. You can sort strictly by RRSO.
We redirect you to the bank or lender's own site. You apply with them directly.
Cash loans, credit cards, consolidation, car and mortgage loans.
No. We earn a commission from banks and lenders when someone reaches their product from our comparison. Your monthly payment, RRSO and terms are exactly the same as if you went straight to the bank.
From partner commissions. The institution pays us when your application reaches their system. We don't pass that cost on to you. It sits outside your loan cost.
No. Moving filters, simulating payments and opening calculators are not a hard enquiry. The trace appears only when you sign a real application at a bank or lender.
The Polish APR: your loan's effective annual rate, with interest and every mandatory fee rolled into one number. Compare two RRSOs, not two headline rates. A loan with „no fees" at 12% nominal can end up dearer than one at 14% with the fee declared up front.
Banks give longer terms and bigger amounts, but they want a clean BIK file, documented income and the decision takes two-three days. KNF-licensed lenders approve in minutes and are more flexible on a less-than-perfect profile, at a higher RRSO. If you have a regular employment contract and a clean BIK, a bank is usually cheaper.
A bank cash loan caps at 300 000 PLN, but the typical approved amount sits between 15 000 and 80 000. A first online loan: a few hundred zloty up to 5 000; your first one always comes out small.
Banks: most will reject you. KNF-licensed lenders: some will say yes, on a shorter term and at a higher RRSO. Pay it on time, take a second one after six months, and in 12–18 months bank options open again.
It depends on the institution: some loan companies pay out the same working day, others within 1–3 days. Bank: usually 1–3 working days. Check each institution's timeline on its site.
Polish ID card, a fresh proof of address and proof of income (a payslip or three months of bank statements). For a small online loan, the ID card alone is usually enough.
Yes, it's your right (Polish consumer credit law, art. 48–52). Read the contract: the bank must refund the proportional part of fees and interest. Some institutions add an early-repayment fee. Ask outright before you sign.
No. You compare, simulate and apply without registering.
If your rate is fixed, no. If variable, yes: your payment recalculates every time WIBOR (and the future WIRON) moves. Before you sign, ask whether the rate is „fixed for 5 years" or „variable, tied to WIBOR 3M". Over 20 years the gap can reach 100 000 PLN.
The 0% RRSO promo on a first loan with a given lender applies only on on-time repayment. A one-day slip triggers retroactively the full statutory cost (25% commission of principal plus 30% annual default interest). Short version, 0% only if you settle to the day.
Open Banking (based on the EU PSD2 directive) lets the lender see your account for 90 days: inflows, balances, spending categories. They don't see passwords or transfer titles. You can refuse, but then the lender bases the decision on BIK alone and your declarations, which works less well for irregular-income profiles.
Yes, if you have another income source: a scholarship, the 800+ benefit, KRUS, a pension, rental income. The bank wants steady inflows for at least 3-6 months. Some loan companies accept income with a shorter history, verifying it through Open Banking.
Every hard enquiry leaves a mark in BIK. Three applications inside 30 days are treated as one mark (the bank reads it as shopping for the best offer). Above three, or spread over longer, the score drops. Short version, file applications in parallel, not sequentially.
A refusal sits in BIK for a year. Every bank sees the date and the amount of the rejected application. Two refusals in a row dent the score and complicate acceptance at other banks. Before the next application, check BIK and confirm your situation has improved.
Only if you can settle within the 50-day interest-free period, then the cost is zero. Settling with minimum payments runs RRSO 18-20% — comparable or above a cash loan. A card as a permanent source of financing is an expensive habit.
Contact the bank or lender before the due date. Most regulated institutions have procedures for postponing a payment or changing the schedule, often without extra cost. No contact and self-driven lateness triggers collection costs and a KRD entry.
Yes, the ZUS sickness benefit counts as income for the bank. Some banks ask for a workplace certificate with the return date, others accept the benefit on its own. A disability allowance is treated as fully stable income.
With fixed instalments you pay the same amount each month for the whole term, but the total cost is higher. With decreasing instalments the first is the largest, each next a little lower, and the total cost is smaller. Banks default to fixed (easier on the client), decreasing comes on request.
Cash loan 24-60 months, consolidation 60-120, mortgage 240-420. A longer term means a lower payment but a higher total cost — on a mortgage the gap between 25 and 35 years runs 100-200 000 PLN. Pick the shortest term you can afford.
KRD (Krajowy Rejestr Długów, the Polish business debt register) records arrears with firms: telecom, utilities, e-commerce. An entry appears after 30-60 days of delay and clears 12 months after settlement. Banks check KRD on every credit application, a poor reading lifts the RRSO.