Banks with pensioner programmes
PKO BP has the widest senior offer — a cash loan up to 100 000 PLN, term up to 84 months, RRSO 10–12% on the programme. Pekao and BNP Paribas are comparable. ING and mBank are less present in this segment.
Age limit — different banks, different rules
Most banks require that on the day the last instalment falls due, the applicant is no older than 75–80. Pekao allows up to 80, PKO BP up to 76, BNP Paribas up to 75. If you're 70 and want a 60-month loan, Pekao will serve you, mBank probably won't.
The insurance trap
Banks reliably offer „life insurance" on a senior loan. The fee for that policy can add 1.5–3 points to the RRSO. If you already have a life policy, you don't need a second one. Say so up front in the application and ask for the version without insurance. The bank is required to offer that version.
Realistic amount for a pensioner with an average pension
With a pension of 2 800–3 500 PLN net per month, the realistic approved amount is 15 000–35 000 PLN over 36–60 months. More than that requires a higher pension, extra income from work, or a guarantor.