Cash loans without the bank jargon
A cash loan is an unsecured loan paid out as cash. Use it for anything: an emergency cushion, debt consolidation, a renovation, a wedding. The bank doesn't ask what for.
What separates one offer from another is RRSO, the Polish equivalent of APR. It folds interest and every mandatory fee into one annual rate. The gap between 11.8% and 14.2% on 50 000 zł over 60 months works out to nearly 4 000 zł out of your pocket. That is why we sort by RRSO by default, not by marketing.
Every Polish bank checks BIK and computes DTI (debt-to-income). Above 50% DTI there's practically no acceptance. Short version: net income 6 000 PLN with an existing payment of 1 800 PLN, the bank approves a new payment of at most 1 200 PLN. That's maths no marketing offer can sidestep.
Three digital banks serve online applications particularly well: mBank with a 15-minute decision, ING at comparable speed, Alior Bank with the cheapest RRSO for new clients. A client with a steady salary at one of these banks gets the money the same day, no branch visit.
- ✓Typical approved amount: 15 000–80 000 PLN
- ✓Most common term: 24–60 months
- ✓Bank RRSO range: roughly 11.8–14.2%
- ✓Comparing here is not a hard BIK enquiry