You pay commission in one of three ways. Cash on signing — rare. Added to the loan principal, then repaid with interest — the most common route, but the most expensive, because you pay interest on the commission itself. Or deducted from the disbursement — you get less on the account than the contract says, but you repay the full stated amount.
The amount is negotiable, whatever the branch adviser tells you. At banks quoting 8–12% commission you can usually get to 4–6% if you have competing offers and say so out loud. Non-bank lenders (Vivus, Wonga, SuperGrosz) tend to publish a rigid table and there is no room to move.
If you repay the loan early, you are entitled to a proportional refund of the commission. The CJEU ruling C-383/18 (2019) and subsequent Polish Supreme Court cases are clear: the bank owes back the commission share for the unused term. As of 2026 many banks still fail to do this automatically — you have to file a written request.
Frequently asked questions
Commercial bank: 3–8%. Online bank (mBank, ING): 0–5%. Online lender: 8–15%. Payday loan: from 0% (first-time free) up to the anti-usury statutory ceiling.
Yes. The proportional share is owed by law (CJEU C-383/18). Written request to the bank citing the ruling. The bank has 30 days to reply; refusal is a UOKiK complaint away.
The sum of non-interest costs (commission + insurance + fees) cannot exceed 45% of the loan amount in year one and 100% over the whole term — art. 36a of the consumer credit act.