People from the so-called with a negative credit history have a very limited chance of obtaining a bank loan. Even a small, one-time delay in payment of bills, installments or other obligations may be the basis for refusing to provide financial support. Very often it results in being entered into the register kept by Credit Information Bureau (BIK). Verification of the list of debtors is a standard procedure for every bank when determining capacity. To put it simply: with a negative BIK entry, you have no chance of getting a bank loan. However, this does not mean that your options for borrowing money have been exhausted. There are many entities on the market that provide you with financing in a completely legal and transparent manner despite your negative credit history. Check whether it is possible to receive money without BIK and which institutions offer such loans.
Are you looking for a quick loan online? Alfa Kredyt has prepared an offer for new and regular customers. New customers can apply for a loan of up to PLN 2,000, with 0% APR. You will receive your first loan without interest and commission under the terms of the offer. For returning customers, the limit is PLN 5,000. Repayment is allowed for up to 30 days. Efficient service allows you to conveniently complete formalities. The offer also includes a paid extension of repayment under certain conditions.
Basic information+
First loan
Amount:
up to PLN 2,000
Interest:
0%
APR (RRSO):
0%
More loans
Amount:
up to PLN 5,000
Interest:
25%
APR (RRSO):
1410%
Requirements
ID card
Telephone
Bank account
Employer details
Age from 21 to 75 years
Email: info@alfakredyt.pl Telephone: +48876181062 Alfakredyt Sp. z o. o. street Pańska 96 lok. 38
00-837 Warsaw
NIP: 8442351597
Example costs+
Example costs of the first loan without interest:
Amount
Period
Cost
Total repayment
APR
PLN 500
20 days
0 PLN
PLN 500
0 %
PLN 1,000
25 days
0 PLN
PLN 1,000
0 %
PLN 2,000
30 days
0 PLN
PLN 2,000
0 %
Example costs of another loan:
Amount
Period
Cost
Total repayment
APR
PLN 500
20 days
PLN 106
PLN 606
3241.36 %
PLN 1,200
25 days
PLN 276
PLN 1,476
1954.07 %
PLN 3,000
30 days
PLN 750
PLN 3,750
1410.33 %
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+
Alfa Kredyt allows you to extend the loan. The extension date and fee are selected individually after logging in to the client's profile. The amount of the extension fee depends on the loan amount, which can be checked at any time by logging in to the customer panel. The loan will be automatically extended after the payment is received by the lender.
The table below presents the individual costs of extending the loan for the amount of PLN 500:
7 days
14 days
30 days
PLN 51.25
PLN 82.50
137,50
Consequences of non-repayment+
If the loan amount is not repaid on time, the lender charges penalty interest from the date of exceeding the repayment deadline until the date of full repayment of the debt. The interest rate on the debt is equal to the statutory interest rate and is 8% per annum.
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
Further arrears in repayment may result in the debt being transferred to a debt collection institution or court.
ViaSMS offers online loans and amenities for customers who come back for extra cash. You can get up to PLN 1,500 for your first loan, with a 0% APR. You will receive your first loan without interest and commission under the terms of the offer. Up to PLN 4,000 is available for subsequent loans. The financing period is up to 30 days. Thanks to SMS support, regular customers can conveniently access further financing. Repayment extension terms are also available.
Basic information+
First loan
Amount:
up to PLN 1,500
Interest:
0%
APR (RRSO):
0%
More loans
Amount:
up to PLN 4,000
Interest:
21%
APR (RRSO):
1214%
Requirements
ID card
Telephone
Bank account
Age from 20 to 72 years
Email: info@viasms.pl Telephone: 22 483 53 88 VIA SMS PL Sp. z o. o. Al. Jerozolimskie 123a
02-017 Warsaw
NIP: 899-27-04-871
Example costs+
Example costs of the first loan without interest:
Amount
Period
Cost
Total repayment
APR
PLN 500
20 days
0 PLN
PLN 500
0 %
PLN 1,000
25 days
0 PLN
PLN 1,000
0 %
PLN 1,500
30 days
0 PLN
PLN 1,500
0 %
Example costs of another loan:
Amount
Period
Cost
Total repayment
APR
PLN 1,500
30 days
PLN 420.32
PLN 1,920.32
1920 %
PLN 2,500
25 days
PLN 616.18
PLN 3,116.18
2394 %
PLN 4,000
30 days
PLN 1,120.51
PLN 5,120.51
1918 %
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+
Paying off an online loan is very simple. To repay the loan, you must make a transfer for the appropriate amount, providing your customer number in the subject line. Exact transfer details and the amount can be found in our customer panel and in the e-mail we received after the loan was granted. In case of problems with repaying the loan, it is possible to extend the repayment deadline for a fee by up to 7, 14 or 30 days. To do this, log in to your Viasms user account and follow the information on the screen.
The table below presents the individual costs of extending the loan for the amount of PLN 500:
7 days
14 days
30 days
PLN 48
PLN 68
PLN 107
Consequences of non-repayment+
If the loan is not repaid within the specified payment period, interest will be charged in the amount of four times the annual NBP lombard loan rate applicable on the date of repayment. Additionally, Viasms reserves the right to send reminders and reminders in various forms with a total amount not exceeding PLN 117.50. In the event of ineffectiveness, the lender has the right to transfer the debt collection obligation and pursue its receivable in court. Viasms also has the right to transfer information about customers' liabilities to economic and credit information offices, which results in a reduction of the borrower's creditworthiness.
An online application and a longer financing period are part of the offer Ferratum Bank. 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 500
30 days
0 PLN
PLN 500
0 %
PLN 2,000
30 days
0 PLN
PLN 2,000
0 %
Example costs of another loan:
Amount
Period
Installment
Total repayment
APR
PLN 1,000
6 installments
PLN 424
PLN 1,424
Cost: PLN 424
262 %
PLN 7,000
18 installments
PLN 5,294
PLN 12,294
Cost: PLN 5,294
118 %
PLN 10,000
24 installments
PLN 9,097
PLN 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.
First loan
4000 PLN
Subsequent loan
10000 PLN
APR
From 103%
Extension
Individually
Information and application ↗No ratings
Z Ferratum Bank you can apply online for funds for your plans and plan their repayment over time. The first loan is available in the amount of up to PLN 4,000, with an APR of 103%. Subsequent financing may amount to PLN 10,000. Financing is available for a period of up to 24 months. The offer also includes the possibility of telephone contact regarding the terms of extending the repayment of the liability.
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+
No examples
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.
Smart Pożyczka is a convenient option for people who value online service and contact options. The first loan is available in the amount of up to PLN 8,000, with an APR of 0%. The promotion without interest and commission applies to the first loan from PLN 2,100, provided that the regulations are met and repaid on time; lower amounts are payable. Subsequent financing may amount to PLN 20,000. Financing is available for up to 65 days. Higher limits for returning customers are being made available gradually. Repayment solutions available: Separate refinancing offer, subject to assessment.
Basic information+
First loan
Amount:
up to PLN 8,000
Interest:
0%¹
APR (RRSO):
0%¹
More loans
Amount:
up to PLN 20,000
Interest:
14,5%²
APR (RRSO):
297,51%²
Requirements
Age of majority identification and positive assessment of abilities. Income documents may be needed during the assessment.
Email: info@smartpozyczka.pl Telephone: 85 871 00 49 Aventus Group - intermediary; Al. 1000-lecia Pani Polskiego 6, 15-111 Białystok
¹ Pixo/LTU promotion from PLN 2,100, provided the regulations are met and repayment is made on time. Lower amounts are payable. ² Standard LTU example: PLN 2,500 for 30 days; variable interest rate per year.
Example costs+
Example costs of the first loan without interest
Amount
Period
Cost
Total repayment
APR
PLN 2,500
30 days
0 PLN
PLN 2,500
0%
The promotion requires compliance with the regulations and timely repayment.
Sample costs of a standard offer
Amount
Period
Cost
Total repayment
APR
PLN 2,500
30 days
PLN 300.28
PLN 2,800.28
297,51%
Repayment extension+
Separate refinancing offer, subject to assessment. Please check your contract and customer account for specific terms and conditions.
Consequences of non-repayment+
Consequences of failure to repay the loan
If the loan is not repaid within the prescribed period, the lender may initiate recovery actions. Their rules are specified in the current contract.
Interest may be charged for delay, calculated every day after the agreed repayment date. The LTU tariff indicates variable interest for delay at twice the sum of the NBP reference rate and 5.5 percentage points per year. In the event of further failure to repay the loan, the lender has the right to pursue its receivables with the help of debt collection institutions and further proceedings in court, the costs of which are borne by the borrower.
Smart Pożyczka also has the right to transfer information about the debt to the Debtor Registers, which will reduce the borrower's creditworthiness.
Z Kredito24 you will submit your application online and use the automated processing system. You can get up to PLN 3,000 for your first loan, with an APR of 2,334%. Up to PLN 3,000 is available for subsequent loans. The financing period is up to 30 days. Automatic service and no verification fee make it easier to complete formalities without having to adjust to the branch's opening hours.
Basic information+
First loan
Amount:
up to PLN 3,000
Interest:
30%
APR (RRSO):
2334%
More loans
Amount:
up to PLN 3,000
Interest:
30%
APR (RRSO):
2334%
Requirements
ID card
Telephone
Bank account
Employment information
Age from 18 years
Working hours
Monday - Friday
9:00 - 18:00
Contact
Email: info@kredito24.pl Telephone: +48718811077 Kredito24 Kreditech Polska Sp. z o. o
Straight 32
00-838 Suwałki
NIP: 5252534005
Example costs+
Examples of loan costs:
Amount
Period
Cost
Total repayment
APR
PLN 500
20 days
PLN 110.96
PLN 610.96
3777 %
PLN 1,000
25 days
PLN 277.4
1277.4 PLN
3468 %
PLN 3,000
30 days
PLN 848.63
PLN 3,848.63
1971 %
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+
Kredito24 offers the option of extending the loan repayment by 7, 15 and 30 days. Unfortunately, this option is quite expensive and unprofitable and we strongly advise against using this option. Loan extension costs are calculated as a percentage according to the following data:
7 days - 12%
15 days - 16%
30 days - 32%
For example, extending a loan of PLN 2,000 by 30 days costs almost PLN 650! This is 1/3 of the loan amount. In addition, there are the costs of reminders in the event of extension after the designated repayment period. Therefore, when borrowing from Kredito24, you should be aware of the high fees and be sure that you will be able to repay the loan on time.
Consequences of non-repayment+
Failure to repay the loan within the prescribed period is associated with quite large penalty fees. Kredito24 sends payment requests after 3, 6, 9 and 12 days from the loan repayment date in the amount of PLN 20 each. The fifth final call takes place after the 15th day from the loan repayment date and costs PLN 150. In total, this amounts to PLN 230 per month. In the absence of an agreement, the lender has the right to transfer the liabilities to a debt collection agency and take legal action, the costs of which are charged to the borrower. After 60 days of non-repayment, Kredito24 provides information on liabilities to economic information offices, which will affect the creditworthiness of the debtor.
What is BIK and what data does it collect?
Established in 1997 Credit Information Office was created to collect and collect information about the financial liabilities of individuals and companies. This data is used by financial institutions to verify your creditworthiness and to consider your loan application. The initiator of the creation of BIK was the Polish Bank Association and banks from the private sector. BIK stores records on the use of financial products (loans, leasing, etc.) offered by banks, loan companies and cooperative savings and credit unions (SKOK).
Verification by BIK covers the full spectrum of financial products. In addition to non-bank loans, entries may concern, among others: credit and debit cards, loans for which you are a guarantor, limits on bank accounts and all types of cash, mortgage, revolving or student loans. Importantly, the office collects both negative and positive data regarding your liabilities.
Checking your BIK entries
If the bank refused to grant you a loan or you had delays in payments, you can check for yourself whether you are included in the database. What's more, you can do it without leaving your home. Many people are not aware of the possibility of checking the register themselves, and gaining such knowledge is very useful when applying for a loan. Especially since you are only 4 simple steps away from checking your BIK entries.
Go to BIK.pl and create your free account. The only thing you need is your ID card and e-mail address to confirm your registration.
Confirm your identity by sending a scan of your ID card to BIK and make a verification transfer of PLN 1.00.
Confirm your registration by clicking on the link received by e-mail. After redirection, enter the code you will receive via text message. Now you can create a password for your account and log in securely to the system.
Select the type of service you are interested in. You can choose from 1 report for PLN 39 or 12 reports for PLN 99. You can also apply for a free report once every six months.
Remember that you can only check your BIK entries via the above website. You will not obtain such data over the phone, by mail or in any other way.
How to delete an entry in BIK?
To get rid of a negative credit history, you should first of all repay the entire debt with interest. Then you must ask the representative of the bank or institution to which you had an overdue obligation to prepare and send a form confirming the lack of debt. Unfortunately, this will not immediately "clear" your BIK history. Removing data from the register may take up to 5 years and during this entire period banks may refuse to grant you financing.
Can you get a loan without BIK?
Fortunately, nowadays in Poland, obtaining a loan or loan despite a negative credit history is possible. An extensive non-bank system comes to the aid of indebted customers, offering extremely popular financial products, such as loans without BIK, KRD or income certificates. In such companies you can take both the so-called a payday loan, i.e. a small loan in the amount of several hundred to several thousand zlotys (usually to be repaid in one installment), as well as a larger sum in installments of up to several dozen thousand zlotys. The advantage of this solution - apart from the lack of verification, of course - is the ability to receive money without leaving home. You can complete all necessary procedures related to submitting a loan application and confirming your identity online.
Loan for those in debt without BIK and KRD
A loan without BIK and KRD offered by financial institutions is a convenient and easily accessible form of financial support for indebted people who need money to repay outstanding loan installments, bills or other liabilities. Entrepreneurs also use this form of financing, e.g. to repay overdue taxes or ZUS contributions. Very often, an online loan is the only way for people without permanent employment to obtain money. These types of clients have little prospects for a bank loan due to the lack of an income certificate necessary to obtain financing.
The possibility of taking out a loan online is an attractive alternative, especially for people from smaller towns or villages. Traveling to a large city to complete all formalities often takes a whole day. Thanks to the fact that a loan without BIK can be obtained via the Internet, loans of this type are now available to virtually everyone - including older people living on pensions.
The bailiff seized my account – can I get a loan?
If your bank account has been seized by a bailiff, no bank will provide you with financial assistance. If a loan from family or friends is not an option and the need to repay the debt is very urgent, you can also take advantage of the offer of non-bank loans. Many companies have a special offer for people with a bailiff. However, in such cases, a second person's guarantee or additional loan security is often necessary. Many entities offer loans for those in debt without BIK secured by a car or other valuable item, e.g. agricultural machinery or electronic equipment.
Where can I get a loan without BIK, KRD and certificates?
As you can see, even a negative credit history does not ultimately eliminate your chances of receiving money in the form of a loan. A wide selection of non-bank loans without verification in KRD, BIK, BIG and other registers are offered by institutions from the non-bank sector. However, you should be aware of the fact that each lender uses at least one register to assess your creditworthiness. Check the current offer of the best loans without BIK and choose the financing that best suits your needs.
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