Financial adviceContact

Fast loan onlineOnline loans with ID without certificates and unnecessary formalities!

Online loan Nowadays, it is a very good solution for people whose financial situation or credit history does not allow them to obtain a loan from a standard bank. Unlike traditional banks, online loans have much lower requirements regarding our financial situation. They also require only basic documents and information. To obtain a loan, an ID card and a Polish bank account are usually enough. Also, obtaining a loan is much simpler and more pleasant. It all comes down to choosing the loan amount, period and filling out the loan form. Everything is done entirely online. The amounts offered by lenders range up to PLN 15,000 for a period of up to 24 months. The only disadvantage of online loans is their cost. The installments of such a loan are slightly higher than in a standard bank. In return, we get the opportunity to obtain cash even when our credit history or financial situation does not allow us to obtain a loan in a traditional way. Therefore, this is an opportunity for many people who need more cash in the installment system. If you need money for a shorter period, please check out the online loan offer available on our website.


Minimum loan amount:

PLN 2,500


Minimum number of months:

1


Show all Show selected
InCredit logo
First loan
4000 PLN
Subsequent loan
9500 PLN
APR
From 132.1%
Extension
According to the contract
Information and application 4.5 / 5
Do you need more freedom in spreading your expenses? InCredit offers loans for a longer period. You can get up to PLN 4,000 for your first loan. The "4 for 3" promotion applies to the cost of the fourth installment, not the entire loan. Up to PLN 9,500 is available for subsequent loans. The financing period is up to 4 months. A longer financing period allows you to plan payments in time. The service is focused on quick transfer of funds.
Basic information

First loan

Amount:
up to PLN 4,000
Interest:
7,2%
APR (RRSO):
132,1%

More loans

Amount:
up to PLN 9,500
Interest:
12,5%
APR (RRSO):
82,1%

Requirements

ID card
Telephone
Bank account
Employer details
Age from 21 to 70 years

Working hours

Monday - Friday
8:00 - 19:00
Saturday - Sunday
9:00 - 17:00

Contact

Email: info@incredit.pl
Telephone: 22 598 71 00
InCredit
Al. Jana Pawła II 27
00-867 Warsaw
NIP: 525-26-48-795
Example costs

Sample costs of a standard offer

AmountPeriodCostTotal repaymentAPR
PLN 1,0002 installmentsPLN 312.30PLN 1,312.30812%
PLN 4,0004 installmentsPLN 1,373.80PLN 5,373.80387,9%
PLN 5,00018 installmentsPLN 3,349.80PLN 8,349.80102,7%
PLN 7,50018 installmentsPLN 4,799.88PLN 12,299.8897,2%
PLN 9,50024 installmentsPLN 7,219.68PLN 16,719.6882,1%

Archived example, not a current offer. Cost = stated amount to be repaid minus principal. Archived APR, no recalculation.

Repayment extension
By contacting InCredit individually
Consequences of non-repayment
In the event of default on the repayment of the loan or its monthly installment, InCredit charges penal interest in an amount equal to four times the amount of the NPB lombard loan. Additionally, the lender charges the debtor with additional payment request costs in the amount of:
  • Telephone reminder - PLN 7
  • Letter reminder - PLN 19
If InCredit finds that the above methods are ineffective, it has the right to pursue its receivables with the help of a debt collection institution, the costs of which are covered by the debtor. In addition, it also has the ability to provide information about the debt to economic information offices, which may result in a reduction of the debtor's creditworthiness.
Zaplo logo
First loan
15000 PLN
Subsequent loan
15000 PLN
APR
From 78%
Extension
1 month
Information and application 4.8 / 5
Ignition combines an online application with financing spread over a longer period. New customers can apply for a loan of up to PLN 15,000, with an APR of 78%. For returning customers, the limit is PLN 15,000. The repayment period is up to 36 months. The flexible approach includes the possibility of offering a different financing amount and the principle of postponing the repayment date.
Basic information

First loan

Amount:
up to PLN 15,000
Interest:
0%
APR (RRSO):
78%

More loans

Amount:
up to PLN 15,000
Interest:
7,5%
APR (RRSO):
211%

Requirements

ID card
Telephone
Bank account
Age from 21 to 70 years

Working hours

Monday - Friday
6:00 - 23:00
Saturday - Sunday
6:00 - 23:00

Contact

Email: kontakt@zaplo.pl
Telephone: 221333888
Ignition
street 17. January 56
02-146 Warsaw
NIP: 521-366-08-75
Example costs
Examples of loan costs:
Amount Period Installment Total repayment APR
PLN 1,0003 installmentsPLN 266.71266.7 PLN
Cost: PLN 266.7
78.6 %
PLN 7,50036 installmentsPLN 8,712PLN 16,212
Cost: PLN 8,712
78.6 %
PLN 10,00036 installments11616.12 PLN21616.12 PLN
Cost: PLN 11,616.12
78.6 %
PLN 15,00036 installmentsPLN 17,424.36PLN 32,424.36
Cost: PLN 17,424.36
78.6 %

The sample loan costs do not include discounts and rebates that may be granted to regular customers or as part of periodic promotions.
Repayment extension
If you need to extend the loan installment repayment time, log in to your user panel and follow the instructions on the screen. The extension cost is 20% of the installment amount that we want to postpone. Installment repayment can be deferred up to 6 times.
Consequences of non-repayment
In the event of failure to repay on time, Zaplo charges additional penalty interest in the amount of four times the NPB lombard loan rate and takes actions to recover the receivable, which it charges the debtor with the costs. These include:
  • Telephone call – PLN 5
  • SMS message – PLN 2
  • Letter of request – PLN 15
The total cost of calls does not exceed PLN 22 per month. If the actions taken by Zaplo are not effective, the company has the right to recover its receivables using debt collection and court actions. Additionally, Zaplo has the right to provide information about the debt to business offices, which results in lower creditworthiness, especially in the case of larger amounts, this information may make it significantly more difficult to obtain a loan in the future.
Providence logo
First loan
6000 PLN
Subsequent loan
30000 PLN
APR
From 0%
Extension
Depending on the contract
Information and application 4.7 / 5
Z Provident you can take out a loan online, without having to choose home service. New customers can apply for a loan of up to PLN 6,000, with 0% APR. Many years of experience and the ability to choose online services make it easier to adjust the way you use the loan to your needs. A separate naCoDzień online product is available up to PLN 30,000 for 12–48 months.
Basic information

First loan - naChwile

Amount:
up to PLN 6,000
Interest:
0%
APR (RRSO):
0%

NaCoDań loan online

Amount:
up to PLN 30,000
Interest:
7%¹
APR (RRSO):
29%¹

Requirements

Age of majority
Polish citizenship
bank account
phone and regular income. Online verification via AIS Gateway.

Working hours

Online: Mon-Fri 8 a.m.–9 p.m., Sat. 9 a.m.–5 p.m. Home service: Mon-Fri. 7–21, Sat. 9 a.m.–5 p.m.

Contact

Email: direct@provident.pl
Telephone: 600 400 101
Provident Polska S.A., ul. Inflancka 4A, 00-189 Warszawa

naChwile: offer for new customers. naCoDzień is a separate installment product, also for new customers. ¹ Example PLN 9,300 for 24 months, fixed interest rate per year; individual costs result from the contract.

Example costs

Example costs of the first loan without interest

AmountPeriodCostTotal repaymentAPR
PLN 6,00061 days0 PLNPLN 6,0000%

naMoments for new customers.

Sample costs of a standard offer

AmountPeriodCostTotal repaymentAPR
PLN 9,30024 monthsPLN 2,694.86PLN 11,994.8629%

Separate product: naCoDzień online.

Repayment extension
The terms of the repayment break depend on the product and the contract. Please check your contract and customer account for specific terms and conditions.
Consequences of non-repayment

Consequences of failure to repay the loan

If you use home service and are unable to repay the installment due on time, contact your customer advisor to work out a solution to the problem together. In the event of failure to timely repay a loan or its installments that was taken out online, the costs and consequences of the delay result from the documents of the selected product.

In the event of failure, when the reminders sent are not effective, the lender will pursue its receivables through debt collection and further in court, the costs of which are covered by the indebted borrower. Provident, like any other lender, also has the right to forward information about customers' liabilities to economic and credit information offices, which results in a reduction of the borrower's creditworthiness.

Ferratum Bank logo
First loan
4000 PLN
Subsequent loan
10000 PLN
APR
From 103%
Extension
Individually
Information and application 4.3 / 5
Ferratum Bank is a brand present on the international online financing market. New customers can apply for a loan of up to PLN 4,000, with an APR of 103%. For returning customers, the limit is PLN 10,000. The repayment period is up to 24 months. The offer also includes the possibility of telephone contact regarding the terms of extending the repayment of the loan.
Basic information

First loan

Amount:
up to PLN 4,000
Interest:
—
APR (RRSO):
103%

More loans

Amount:
up to PLN 10,000
Interest:
—
APR (RRSO):
—

Requirements

Details from your lender

Working hours

Details from your lender

Contact

Details from your lender
Example costs
Example costs of the first loan without interest:
Amount Period Cost Total repayment APR
PLN 50030 days0 PLNPLN 5000 %
PLN 2,00030 days0 PLNPLN 2,0000 %
Example costs of another loan:
Amount Period Installment Total repayment APR
PLN 1,0006 installmentsPLN 424PLN 1,424
Cost: PLN 424
262 %
PLN 7,00018 installmentsPLN 5,294PLN 12,294
Cost: PLN 5,294
118 %
PLN 10,00024 installmentsPLN 9,097PLN 19,097
Cost: PLN 9,097
103 %

The sample loan costs do not include discounts and rebates that may be granted to regular customers or as part of periodic promotions.
Repayment extension
In order to extend a loan or credit, please contact the customer service office and agree on individual repayment terms.
Consequences of non-repayment
At Ferratum Bank, it is not worth being late in repaying your loan. In case of problems with repayment, please contact the customer service office immediately. Unfortunately, the costs of late repayment at Ferratum are among the highest in Poland! In addition to the standard penalty interest, which is 14% per annum by law, the lender each time charges additional fees for individual days after exceeding the repayment deadline:
  • 7 days of delay - PLN 30
  • 14 days of delay - PLN 50
  • 25 days of delay - PLN 50
  • 35 days of delay - PLN 50

As per above information, after 35 days from the repayment date Penalty fees will add as much as PLN 180 to the loan!  If the payment is still not made, Ferratum will transfer the debt to debt collection institutions and further to court, for which it will additionally charge the borrower.


Quick loans online without certificatesThe first loan in the promotion without interest and commission!

Credit information Selected online payday loans.

Wonga

First loan up to PLN 1,500 for 60 days
without interest and commission

Alfa Kredyt

First loan up to PLN 1,500 for 30 days
without interest and commission

NetCredit

First loan up to PLN 2,000 for 30 days
without interest and commission

See the full offer of online loans


Useful articles and information about loans

Randomly selected useful information and advice about loans

Interest rates and fees for online loans

Read the article

Reasons for receiving a negative loan decision

Read the article

How to choose a safe loan

Read the article

What types of loans do lending companies offer?

Read the article
See all tips and articles


Haven't received a loan from your chosen lender?

Try applying to someone else!
Each lender has individual rules for granting loans.

Need additional information?

Take advantage of contact form or arrange a telephone conversation. Our consultant will advise you on the best solution.
Information
Information Strona zeropozyczki.pl nie jest firmą udzielającą pożyczek a jedynie oferuje porównanie i przedstawienie oferty zewnętrznych pożyczkodawców. zeropozyczki.pl nie bierze odpowiedzialności za udzielone pożyczki, a wszelkie wątpliwości należy rozwiązywać z właściwym pożyczkodawcą.