Compare Polish banks and KNF-registered lenders. Takes less than a minute.
Compare

Online loan

Compare online loans with a decision in minutes, 100% over the internet. KNF-licensed lenders and banks, all under Poland's anti-usury cap.

Representative values · verify with the lender before signing

Online loans: fast yes, cheap not really

You apply from your phone, fill in a short form, get a decision in a few minutes, and the money lands on your account the same day if you applied during working hours. This product is for sudden bills: an overdue invoice, a breakdown, a school fee. Not for a holiday.

Speed has a price, and the price is RRSO. The first loan with Vivus or Wandoo is often free (RRSO 0%) if you pay it back on time. Repeat loans sit around 30–85% RRSO. Smartney over a longer term sits near 29%. Before you apply, ask yourself one thing: can I pay this off in a month, or will I need three? If the honest answer is „I don't know", step up to a bank cash loan instead, even if the decision takes two days longer.

Open Banking changed online-loan scoring from 2022 on. Kontomatik and Instantor read the account for 90 days, see the regularity of inflows, balances, spending categories. The lender sidesteps a weak BIK if the account looks healthy. Good for freelancers and people with old delay history, worse for those whose account shows active chwilówki at competitors.

The 2022 anti-usury act introduced hard caps on non-interest cost: 25% of principal plus 30% default interest. No regulated firm can cross those caps. Short version, a chwilówka's RRSO in 2026 won't exceed roughly 295%, regardless of the advertised offer.

  • ✓First loan: 100–5 000 PLN
  • ✓Payout: minutes to hours the same day
  • ✓RRSO: 0% (first free) up to ~85% on repeats
  • ✓Your first loan with any given lender will always be the smallest

Frequently asked questions

Do I need to prove income?+

For small amounts, a Polish ID card is often enough. From around 10 000 PLN, the lender usually asks for a few months of bank statements.

Will they approve me if I have a mark in BIK?+

Some will. They lean more on your bank account behaviour over the last three months than on the BIK file alone.

Does this leave a trace in BIK?+

Only when you sign and accept an offer. Comparing and simulating here does not trigger a hard enquiry.

How does the „first loan free” promo work?+

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.

Can I hold two chwilówki at once?+

At most firms, no. An active chwilówka in BIK or KRD closes the door to the next one. Exception: ChwilówkaPRO, Vivigo and Net Gotówka tolerate a parallel obligation if the first one is being paid on time. But that's a straight path into a spiral.

Have a look before you commit

Compare