When a loan is not an option, there are non-bank loans - those that are granted as evidence, without the need to present a certificate of the source and amount of income. What is worth knowing about them?
In the case of traditional loans granted by banks, one of the basic verification procedures is checking certificates about the amount of income obtained. The highest ability usually concerns people with a stable financial situation and earning high earnings. For this reason, not everyone tries to submit a loan application knowing that they will not pass the banking process due to the lack of documented income. And since these are people with specific professional and financial problems, they are potentially most interested in obtaining an additional injection of cash. They can get it in the form of a loan.
Need extra money? Wonga provides online loans to new and returning customers. New customers can apply for a loan of up to PLN 6,000, with 0% APR. You will receive your first loan without interest and commission under the terms of the offer. The terms of subsequent financing are determined individually and available in the customer's account. Repayment is allowed for up to 61 days. You will confirm your identity via Kontomatik or a verification transfer. The installment offer also includes benefits available under its regulations.
¹ Example of another loan: PLN 1,000 for 30 days. The terms of the installments are different.
Example costs+
Example costs of the first loan without interest
Amount
Period
Cost
Total repayment
APR
PLN 1,000
61 days
0 PLN
PLN 1,000
0%
Sample costs of a standard offer
Amount
Period
Cost
Total repayment
APR
PLN 1,000
30 days
PLN 119.91
PLN 1,119.91
296,64%
Repayment extension+
Installment benefits under the terms of the regulations; among others postponement for 7 days. Please check your contract and customer account for specific terms and conditions.
Consequences of non-repayment+
Consequences of failure to repay the loan
An amount not paid on time becomes an overdue debt from the day after the due date. You should not assume that there are two extra days without consequences. The framework agreement provides for the charging of variable interest for delay; their amount results from the provisions of the contract and the current NBP reference rate.
In the agreement, the interest rate for delay was specified as twice the sum of the NBP reference rate and 5.5 percentage points per year. With a variable rate, the amount of interest charged may change over the life of the obligation. Loan-specific information can be found in the disbursement confirmation.
Wonga may contact you regarding arrears by telephone, electronically or by letter and take steps to recover the amount due. If the case goes to court or is subject to enforcement, additional costs of these proceedings may occur. Information about liabilities may be transferred to authorized institutions under the terms specified in the contract. If you have difficulties with repayment, please contact your lender instead of assuming an automatic extension of the deadline.
Alfa Kredyt facilitates access to additional money thanks to online application processing. 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.
Netcredit offers a card limit of up to PLN 20,000, granted after assessing creditworthiness. The welcome offer includes the first period free of charge, and the contract lasts 360 days. This does not mean a 0% APR on the entire contract: in the standard example it is 38.97%. The limit is renewable, and repayments, costs of use and possible renewal of the contract are determined by the regulations and the tariff.
Basic information+
First card deal
Amount:
up to PLN 20,000
Interest:
14,5%¹
APR (RRSO):
38,97%²
Continuing to use the limit
Amount:
up to PLN 20,000
Interest:
14,5%¹
APR (RRSO):
38,97%²
Requirements
Polish citizenship PESEL valid evidence full legal capacity creditworthiness.
First settlement period free of charge under the terms of the welcome offer. This doesn't mean the entire deal is free. ¹ Variable interest rate per year. ² Standard example of a limit of PLN 1,000 for 360 days. Temporary promotions are separate.
Example costs+
Sample costs of a standard offer
Amount
Period
Cost
Total repayment
APR
PLN 1,000
360 days
PLN 290.06
PLN 1,290.06
38,97%
Card Agreement; first period free of charge under the terms of the welcome offer.
Repayment extension+
It is possible to renew the contract for another 360 days. Please check your contract and customer account for specific terms and conditions.
Consequences of non-repayment+
Consequences of failure to repay the loan
Failure to make the required repayment may result in late payment interest and other consequences specified in the contract and tariff. The amount due should be checked in the documents of the relevant offer and in the statement of operations.
In case of problems with repayment, it is worth contacting the lender on an ongoing basis and finding a satisfactory solution to the problem. If the lender finds that the reminders sent are ineffective and the borrower does not try to repay the loan, he has the right to pursue his receivables by transferring the debt to a debt collection company and further to court, the costs of which will be charged to the debtor. All this will result in lower creditworthiness.
Z Easy Credit you submit an application online, and subsequent loans may be associated with the benefits of the VIP program. The first loan is available in the amount of up to PLN 1,500, with an APR of 0%. You will receive your first loan without interest and commission under the terms of the offer. Subsequent financing may amount to PLN 3,000. Financing is available for up to 30 days. The VIP program provides for a reduction in the costs of subsequent loans under its terms, and application processing is focused on the quick transfer of money.
Basic information+
First loan
Amount:
up to PLN 1,500
Interest:
0%
APR (RRSO):
0%
More loans
Amount:
up to PLN 3,000
Interest:
22%
APR (RRSO):
1815%
Requirements
ID card
Telephone
Bank account
Employer details
Age from 20 to 70 years
Email: info@latwykredyt.pl Telephone: 222282103 Easy loan PolCredit Sp. z o. o.
ul. Pokorna 2 lok. 1044
00-199 Warsaw
NIP: 5213635239
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 1,000
20 days
PLN 266.43
PLN 1,266.43
7349.15 %
PLN 2,000
25 days
PLN 541.09
PLN 2,541.09
3198.03 %
PLN 3,000
30 days
PLN 823.97
PLN 3,823.97
1815.51 %
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 we are unable to repay the loan on time, Easy Credit offers us an automatic extension of the loan repayment deadline individually. The extension takes place after making a transfer for the appropriate amount depending on the loan amount. Information about the amount needed for extension can be found in the email and after logging in to the customer panel on the website. The loan can be extended any number of times, but we would like to remind you that extending a payday loan is not profitable in the long run and should only be used as a last resort.
The table below presents the individual costs of extending the loan for the amount of PLN 500:
7 days
14 days
30 days
PLN 50
PLN 85
PLN 140
Consequences of non-repayment+
Failure to repay the loan on time will result in additional penalties. In the event of a delay in repayment of the loan, Easy Credit charges penalty interest in the amount of four times the NBP lombard rate, and additionally by letter reminders requesting payment
First call – PLN 20
Second call: PLN 40
Third call: PLN 40
Fourth call: PLN 40
If the reminders are unsuccessful, the lender has the right to transfer the debt to debt collection and, at a later stage, to court. Easy Credit also has the right to forward information about the debt to economic information offices, which results in a reduction in the creditworthiness of the indebted borrower.
AvaFin focuses on quick online financing and higher amounts available for subsequent loans. The first loan is available in the amount of up to PLN 5,000, with an APR of 298.92%. Subsequent financing may amount to PLN 15,000. Financing is available for up to 30 days. The company focuses on efficient payment of money. Repayment solutions available: 30 days at a time, if available.
Basic information+
First loan
Amount:
up to PLN 5,000
Interest:
14,5%¹
APR (RRSO):
298,92%²
More loans
Amount:
up to PLN 15,000
Interest:
14,5%¹
APR (RRSO):
298,92%²
Requirements
19–75 years old proof account in a Polish bank telephone positive assessment of ability. Kontomatik or returned transfer PLN 1.
Working hours
Mon-Fri 8 a.m.–8 p.m Sat–Sun 9 a.m.–6 p.m
Contact
Email: info@avafin.pl Telephone: 519 201 202 AvaFin Poland sp. z o. o., ul. Bukowińska 21, 02-703 Warsaw
¹ Variable interest rate per year. ² APR for example PLN 1,000 for 30 days. The first loan is payable.
Example costs+
Sample costs of a standard offer
Amount
Period
Cost
Total repayment
APR
PLN 1,000
30 days
PLN 120.09
PLN 1,120.09
298,92%
Repayment extension+
30 days at a time, if available. Please check your contract and customer account for specific terms and conditions.
Consequences of non-repayment+
Consequences of failure to repay the loan
Failure to repay the loan on time may result in interest being charged for the delay in accordance with the contract. Their maximum amount depends on the NBP reference rate and is twice the sum of this rate and 5.5 percentage points per year. If you have problems with repayment, it is worth contacting the lender immediately; further recovery of receivables may also involve the costs of proceedings.
Failure to repay will destroy our trust in the lender in the future, who takes its clients very seriously and understands their financial situation.
AvaFin reserves the right to take action to recover its receivables, e.g. with the help of a debt collection institution or in court, the costs of which will be covered by the debtor. Additionally, the company has the right to transfer information about the debt to all debtor registers, which reduces the creditworthiness of the indebted borrower.
Do you need cash without visiting a branch? Smart Pożyczka provides online loans and SMS support. 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.
Vivigo is a recognizable brand of quick online loans, with an offer for new and regular customers. You can get up to PLN 5,000 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 9,600 is available for subsequent loans. The financing period is up to 61 days. Available repayment solutions: Individual conditions - contact the service.
Basic information+
First loan
Amount:
up to PLN 5,000
Interest:
0%
APR (RRSO):
0%
More loans
Amount:
up to PLN 9,600
Interest:
14,5%¹
APR (RRSO):
297,32%²
Requirements
Over 18 and under 78 years of age required registration details, ID document, PESEL, account and telephone number.
Email: kontakt@vivigo.pl Telephone: 660 600 700 Soonly Finance sp. z o. o., ul. Żwirki i Wigury 16c, 02-092 Warszawa
¹ Interest rate per annum. ² Example of another loan: PLN 6,100 for 30 days.
Example costs+
Example costs of the first loan without interest
Amount
Period
Cost
Total repayment
APR
PLN 1,100
61 days
0 PLN
PLN 1,100
0%
PLN 3,000
61 days
0 PLN
PLN 3,000
0%
PLN 5,000
61 days
0 PLN
PLN 5,000
0%
Sample costs of a standard offer
Amount
Period
Cost
Total repayment
APR
PLN 1,000
30 days
PLN 120.07
PLN 1,120.07
297,33%
PLN 3,000
30 days
PLN 360.20
PLN 3,360.20
297,31%
PLN 6,100
30 days
PLN 732.41
PLN 6,832.41
297,32%
Amounts of PLN 1,000 and PLN 3,000: indicative calculation with a cost proportional to the example of PLN 6,100 for 30 days. The final costs are determined by the lender's offer.
Repayment extension+
Individual conditions - contact service. Please check your contract and customer account for specific terms and conditions.
Consequences of non-repayment+
Consequences of failure to repay the loan
Failure to repay the loan on time may result in maximum interest for delay equal to twice the sum of the NBP reference rate and 5.5 percentage points per annum. The lender may conduct debt collection activities under the terms of the contract.
The v2.0 agreement provides for letter reminders no more than twice a month. If the reminders are ineffective, the lender has the right to transfer the debt to debt collection and to further pursue its receivables in court, the costs of which are covered by the debtor. If the conditions specified in Article 14 or 16 or 17 of the Act of April 9, 2010 on the provision of economic information and the exchange of economic data (Journal of Laws No. 81, item 530) are met, the Lender has the right to provide information about the Borrower's liabilities to the Economic Information Offices, which may affect the Borrower's creditworthiness.
Z Pilarum you will apply for additional money online and learn about the offer prepared for further loans. You can get up to PLN 1,000 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 5,000 is available for subsequent loans. The financing period is up to 30 days. The lender also includes the option of extending the refund deadline under the terms and conditions applicable in the offer.
Basic information+
First loan
Amount:
up to PLN 1,000
Interest:
0%
APR (RRSO):
0%
More loans
Amount:
up to PLN 5,000
Interest:
17%
APR (RRSO):
1671%
Requirements
ID card Telephone Bank account Employer details Age from 20 to 76 years
Email: info@filarum.pl Telephone: 222668080 Pilarum Rapid Finance Polska Sp. z o. o. street Postępu 18A 02-676 Warsaw NIP: 5252542660
Example costs+
Example costs of the first loan without interest:
Amount
Period
Cost
Total repayment
APR
PLN 100
20 days
0 PLN
PLN 100
0 %
PLN 500
25 days
0 PLN
PLN 500
0 %
PLN 1,000
30 days
0 PLN
PLN 1,000
0 %
Example costs of another loan:
Amount
Period
Cost
Total repayment
APR
PLN 500
20 days
PLN 130.02
PLN 630.02
6692.3 %
PLN 2,500
30 days
PLN 702.7
PLN 3,202.7
1936.3 %
PLN 5,000
30 days
PLN 1,410
PLN 6,410
1954.2 %
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+
As of March 11, 2016, Filarum no longer offers the option of extending the loan repayment. The loan should be repaid on time. If you are unable to repay, you should immediately contact the lender to determine individual repayment conditions, usually dividing the loan into several smaller installments.
Consequences of non-repayment+
If the loan is not repaid within the prescribed period, Filarum sends payment requests in the form of e-mail, text messages, registered mail and possibly by phone. The lender does not charge additional fees for these calls. The only costs associated with delaying loan repayment are penalty interest in the amount of no more than twice the sum of the reference rate of the National Bank of Poland and 5.5 percentage points (14% value as of March 11, 2016).
In the absence of further agreement, Filarum has the right to transfer the debt to a debt collection institution and to take it to court. It also has the right to forward information about the debt to the Economic Information Bureaus, which results in a reduction in the creditworthiness of the indebted customer.
Kredito24 combines an online loan with a 24/7 application 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.
Online application and loans via SMS for regular customers are part of the offer ViaSMS. 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.
Szybka Gotówka offers obtaining funds online. The maximum offer amount is PLN 20,000 and the repayment period is up to 65 days. The amount available for a new customer and the total cost result from the individual proposal. The first loan is payable. In case of problems with repayment, please contact the service in advance.
Basic information+
First loan
Amount:
Individually
Interest:
14,5%
APR (RRSO):
According to the contract
More loans
Amount:
up to PLN 20,000
Interest:
14,5%
APR (RRSO):
According to the contract
Requirements
Details from your lender
Working hours
Details from your lender
Contact
Details from your lender
No promotion for a free first loan. The amount for a new customer and the costs result from the individual proposal.
Example costs+Repayment extension+
Solution agreed with the service, in accordance with the offer and contract.
Consequences of non-repayment+
Maximum interest for delay may be charged at twice the sum of the NBP reference rate and 5.5 percentage points per year. The repayment date and other consequences result from the contract.
Save time on forms - Creds combines one application with access to many loan offers. The first loan is available in the amount of up to PLN 3,000, with an APR of 0%. You will receive your first loan without interest and commission under the terms of the offer. Subsequent financing may amount to PLN 3,000. Financing is available for up to 30 days. This is a convenient solution when you want to look for an offer from several lenders without having to fill in the same data multiple times.
Basic information+
First loan
Amount:
up to PLN 3,000
Interest:
—
APR (RRSO):
0%
More loans
Amount:
up to PLN 3,000
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 case of problems with repayment of the loan, it is possible to extend the repayment date for up to 30 days. To do this, you must contact the institution yourself and agree on an extension
Consequences of non-repayment+
Failure to repay the loan within the agreed period will result in penalty interest in the amount of four times the NBP lombard loan rate counting from the date on which the due date for repayment of the obligation expired. Additionally, the borrower will be charged to cover the reminder and debt collection costs.
For whom are loans without documented income available?
People interested in loans, payday loans with ID, without certificates include:
students who earn money only on a casual or seasonal basis
retirees and pensioners
freelancers without a permanent source of income and a contract
unemployed
people who, for some reason, do not have documented income.
What are ID loans and payday loans?
Although in common understanding "credit" and "loan" are concepts treated interchangeably, in fact they refer to two different financial instruments. Loans are generally granted by banks, and loans are also granted by companies from the non-banking sector. They are subject to civil law and are concluded on different terms.
Popular payday loans are also loans, but of a specific nature. They are granted very quickly with a minimum of formalities, but for relatively small amounts, e.g. PLN 2,000, to be repaid within 30-60 days.
Without documented income, you can take out dozens of different loans, including payday loans. No wonder - in this way companies acquire customers who are unable to receive support from banks. This makes them competitive and, in a sense, irreplaceable. This explains why many Poles choose non-bank entities, which very often do not even have stationary points and complete all formalities online.
Rules for granting loans without documented income
It's not like loans are given to anyone without any verification. Although there are fewer formal conditions than in banks, you still have to meet the criteria specified by a given company (which I will discuss in a moment). After all, every lender is interested in receiving the return of the funds granted along with interest and other fees. Therefore, to verify customers, many companies use popular debtor databases, for example BIK (Credit Information Bureau).
The basic discrepancy is also that lending entities do not expect certificates from their clients, but statements about their income. This difference is not as subtle as it may seem. As the name suggests, you prepare the declaration yourself, you do not need a stamp or signature from the employer.
Payday loans without proof of income – requirements for customers
You must be at least 18 years old (some lenders set a higher minimum age limit). Attention! There are also upper limits on the customer's age, for example 70 years.You must have full legal capacity and be a Polish citizen.The loan company needs your data: name, surname, PESEL number, telephone number, residential address, e-mail address.You need your own bank account to which the loan or payday loan is to be transferred. An account is also necessary to make a verification transfer.Many companies check your data in debtor databases, so the condition for obtaining a loan as proof is often the lack of overdue debt.
Accepted sources of income per declaration
While a bank's "dream" client is a person with a permanent employment contract, lending companies are open to a much wider group of people, especially at a time when the issue of employment is so flexible and ambiguous. That is why the declaration may include, among others, pension benefits, 500+ benefits, income from a contract for specific work or profits from business activity as a source of income. The key may be the regularity of these inflows, which proves a stable financial situation. However, it is more difficult to obtain a loan based on income such as scholarships, social pensions, alimony or payments from a foreign employer.
Comparison and search for a loan with ID
Anyone who intends to borrow money should be interested in the most attractive and safest possible repayment terms. Without documented income, you can get both a payday loan of PLN 1,500 to be repaid within 30 days, and an installment loan of PLN 10,000, the repayment of which is spread over time. The question is, however, how to find the right company that will respond to individual needs and grant funds only on ID, without certificates?
The solution to the problem is our comparison website, which clearly presents the most interesting offers of loan companies operating on the Polish market. This is where you can check, for example, the minimum and maximum amount of the payday loan, the commission value or the APR level (Actual Annual Interest Rate). Finally, you discover which companies grant loans without documented income. If this is important to you, it is worth knowing and using convenient online tools that speed up finding the most attractive offers - competitive with bank loans.
Can I apply for a loan if I have no confirmed income?
The offers available on our website are addressed to, among others: to people in difficult financial situations who need quick financial support. Customers without documented income can also apply for a loan.
What data must be provided to the loan company?
These institutions do not require many documents to grant a loan. Most often, it is enough to provide personal data, telephone number and bank account number.
How to assess which offer is the best?
When applying for a loan without any income, you should choose a company that does not require an employment, mandate or specific work contract to consider the application. It is also worth checking the interest rate and amount of interest.
What offers can I find on the website?
Our website offers loans and quick loans that you can apply for without verification in BIK, KRD, BIG and ERIF. These are offers for people who already have financial obligations to other institutions.
What is the maximum loan amount without documented income?
In the case of loans without regular inflows into your account, you can receive rather small amounts - depending on the company you choose. Each financial institution follows its own guidelines in this regard.
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Try applying to someone else! Each lender has individual rules for granting loans.
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