Online loans from Alfakredyt

Promotions currently offered

• First loan without interest - For all Alfa Kredyt borrowers for the first time, the company has provided a popular loan without interest and commission. The maximum amount of the free loan is PLN 2,000 and must be repaid without additional costs and commissions within the period specified in the loan agreement. Using the promotional loan is voluntary and does not oblige you to take out further loans.

  Representative example for the first loan: total loan amount: PLN 1,000, registration fee: PLN 0.01, interest rate: 0%, contract duration: 30 days, commission: PLN 0, total cost of the loan: PLN 0.01, total amount to be paid by the consumer: PLN 1,000.01 (one-off repayment), Actual Annual Interest Rate (APR): 0%.

Documents and requirements

Applying for a loan at Alfa Kredyt is quick and simple. Only basic personal data is required, so completing the application is hassle-free. When completing it, we will only be asked for the address details of our workplace and position. The minimum age of the borrower should be 21 years. Applications from persons under 21 years of age will not be considered. People with a negative opinion at the Economic Information Bureau (BIG) will also experience rejection of their application. Alfa Kredyt clearly informs that people with a negative opinion in BIG should not fill out the form.

Customer verification in BIK, ERIF, KRD and others

Alfa Kredyt does not verify its clients with the Credit Information Bureau (BIK) and ERIF. People appearing in the above registers have a chance to obtain an online loan from Alfa Kredyt.

The situation of clients who are registered with the Economic Information Bureau (BIG) and the National Debt Register (KRD) is completely different. This can be noticed even after going to the lender's website, where the logos of these registers appear. Borrowers who are listed in the above offices have much less chance of obtaining a loan. However, this is not a completely decisive but important factor and does not have to be 100% decisive in rejecting the application. If we are included in these registers for trivial reasons, it is worth trying to submit an application. Alfa Kredyt will consider each case individually, especially for smaller amounts.

How to apply for a loan

Applying for a loan begins by selecting the loan amount you are interested in and its repayment period. For this purpose, we use a simple and user-friendly loan calculator, which will inform us in real time about the selected amount, loan repayment period, interest due and APR. After determining the loan parameters, we proceed to completing the online loan application. Alfa Kredyt only asks for basic data from your ID card and employment information. The company DOES NOT REQUIRE or ask for photos of personal documents.

The next step when applying for a loan is to transfer the registration fee of PLN 0.01 (one grosz) to the indicated bank account. The transfer should be made in accordance with the information on the screen, remembering to provide the appropriate transfer title. The registration fee is intended to confirm ownership of the bank account and personal data. If the decision is positive, the money will be transferred to this account. If we have a bank account operated by Alfa Kredyt, the registration transfer will be credited within a few minutes. Otherwise, it may take up to 24 business hours for your transfer to be posted due to interbank transaction delays.

Supported banks: Alior Bank, mBank, Bank Pekao, PKO Bank Polski, Bank Zachodni WBK

Once the registration transfer in the amount of PLN 1 is recorded, Alfa Kredyt immediately begins to process the application. According to the company's declaration, it takes about 15 minutes. During this time, the correctness of the data, compliance of the data with the registration fee and creditworthiness are verified. Information about the granting or refusal of a loan is sent to the e-mail address provided when completing the application. In the event of a positive decision, a transfer is made for the agreed loan amount, which, depending on our bank, will reach us within a few minutes to a maximum of 24 business hours.

Repayment and extension of the loan repayment period

The loan at Alfa Kredyt is repaid by transferring the appropriate amount to the lender's bank account. This is the loan amount plus the interest due. All information needed to repay the loan will be sent to the e-mail address provided when applying for the loan. This information is also visible after logging in to the customer panel on the Alfa Kredyt website. In case of any doubts, please contact the Customer Service Office at +48 876181062. The loan can be returned earlier, so you will be able to get another loan faster.

The lender has provided the possibility of a paid extension of the loan repayment date for all those who are unable to repay it within the prescribed period. The repayment deadline is granted individually on the customer's profile after logging in to the lender's website. The extension fee depends on the amount borrowed. If you need to extend the loan repayment, log in to your account on the Alfa Kredyt website and follow the instructions on the screen. The main step to defer repayment is to transfer the appropriate loan extension amount to the given account. All information needed to extend the loan is available in the user panel and in the e-mail that was sent after the loan application was approved. If you know that you will not repay the loan on time, do not delay the payment until the last day. If the day on which you want to extend the loan is also the last day of the repayment deadline, it is worth contacting the Customer Service Office by phone and informing about your desire to extend it.

When Alfa Kredyt refuses to grant a loan

• has remuneration seized by a debt collection authority
• appears in the BIG and KRD registers
• has unpaid liabilities to Alfa Kredyt
• under 21 years of age or over 65 years of age.
• he filled out the loan application incorrectly.

Consequences of failure to repay the loan

• The first reminder – PLN 15, sent no earlier than 7 days after the repayment deadline
• The second reminder – PLN 15, sent no earlier than 14 days after the repayment deadline
• Third reminder – PLN 15, sent no earlier than 24 days after the repayment deadline
• The fourth reminder - PLN 15, sent no earlier than 34 days after the repayment deadline

Lack of contact from the borrower will motivate the lender to take action to recover the debt, including: transferring the debt to a debt collection institution and then to court and charging the borrower with the related costs. Failure to repay on time may additionally result in lower creditworthiness.

Contact details

• Customer service office: +48 876181062, info@alfakredyt.pl
• Debt collection department: +48 876181082, windykacja@alfakredyt.pl
• Address: ul. Pańska 96 lok. 38, 00-837 Warszawa, NIP: 8442351597

Summary

Alfa Kredyt, despite its young age, has gained good opinions among customers and is certainly worth attention. One of the strongest advantages is the first loan without interest and commission for PLN 2,000. The maximum amount of subsequent loans is PLN 5,000. Additionally, optimal loan costs, simple application and fast customer service make the company one of the leading lenders worth considering if you need extra cash. The loan application is completed quickly and efficiently, without additional documents. The minimum age recognized by Alfa Kredyt is 21 years. The company does not check customers in BIK or ERIF, but customers listed in BIG or KRD will have big problems in obtaining especially higher amounts. The money is paid according to the declaration within 15 minutes of completing the application process. With a clear conscience, we can recommend Alfe to everyone who needs additional cash, especially new customers due to the high amount of the first free loan and also to existing customers due to the optimal loan costs compared to other lenders.