We are in contact

How can we help you?

The Zeropozyczki.pl website cooperates with over 20 reliable companies offering loans online. Zeropozyczka.pl does not grant or mediate loans and any questions should be directed to the appropriate lender.

Write to us

Have a question or suggestion? Send us a message.

Prefer to write directly?kontakt@zeropozyczki.pl

Before you write

It's worth knowing

We have selected a few questions that will help you better understand the offers and lending rules.

Do I submit my loan application at ZeroPożyczki.pl?

The website presents information and links to offers. You submit an application for financing on the website of the designated lender or partner, which is linked to by the offer button. Check the address of the target website before entering your details. The ZeroPożyczki.pl contact form is not a loan application form and is not used to send identity documents.

What does APR mean and how to use it when comparing loans?

The APR shows the cost of the loan on an annual basis, taking into account the required fees. Compare them for the same amount and similar repayment period. Also check the total amount due and the schedule - a low installment or nominal interest rate alone does not show the full cost.

How to check a loan company before sending an application?

Compare the company details in the contract and on the website, check its Tax Identification Number, contact details and the relevant KNF register. Also check out the list of public warnings issued by the Polish Financial Supervision Authority. Entry into the register itself does not guarantee a favorable offer or a loan. Read the terms and conditions and don't use the HTTPS padlock as proof of a company's integrity.

Does early repayment of the loan allow you to recover some of the costs?

You can repay your consumer loan earlier. Its total cost is subject to an appropriate reduction for the shortened period, also with respect to upfront costs. Ask for a settlement and check the refund of part of the commission and other fees. In the event of full early repayment, the lender has 14 days to settle the loan. In legally defined cases, he may be entitled to a commission for early repayment.

What should I check if I am late with one installment?

Check the contract, schedule and actual date of payment. Contact your lender to determine the amount of arrears and available solutions. The delay may result in interest, debt collection activities and - if appropriate conditions are met - transfer of information to databases. Don't assume that a small arrears don't require action.

All questions and answers Unfamiliar concept? Check the glossary