Choosing the right installment loan is a very important decision because its consequences are both short- and long-term. The popularity of this financial product among Poles should not be surprising - it is primarily due to the fact that, unlike bank loans, the loan can be granted without income certificates, and sometimes even without BIK, i.e. without verification in debtor databases. This is a unique opportunity, among others, for the unemployed, people with a contract other than employment or young customers who do not yet have creditworthiness.
On our website, you can compare the offers of many non-bank companies that specialize in installment loans granted online. This is an extremely convenient form, taking into account the lack of the need to visit a branch, travel, wait in a queue, effort and additional costs. Borrowing online is possible anywhere, for example while traveling, at work or at home. All you need is access to the Internet and a few moments spent filling out the form on the website or in a mobile application, if the non-bank company has one.
On our website you will learn, among other things:
what repayment period is possible for installment loans
how to choose the best offer
How much money can you get online without certificates?
Wonga combines an online loan with the option of choosing installment financing. The first loan is available in the amount of up to PLN 6,000, with an APR of 0%. 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. Financing is available 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.
Are you looking for a quick loan online? Alfa Kredyt has prepared an offer for new and regular customers. The first loan is available in the amount of up to PLN 2,000, 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 5,000. Financing is available 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.
Easy Credit focuses on quick online loans and benefits for customers who come back for further financing. 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 3,000 is available for subsequent loans. The financing period is up to 30 days. The lender offers efficient service and a VIP program, thanks to which the next loan may cost less.
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.
Online loan in AvaFin is a convenient way to apply for money for planned and emergency expenses. You can get up to PLN 5,000 for your first loan, with an APR of 298.92%. Up to PLN 15,000 is available for subsequent loans. The financing period is up to 30 days. 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.
Smart Pożyczka is a convenient option for people who value online service and contact options. You can get up to PLN 8,000 for your first loan, with a 0% APR. 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. Up to PLN 20,000 is available for subsequent loans. The financing period is up to 65 days. With subsequent loans, you may gain access to higher amounts, subject to the terms of the offer. The company also provides for a paid extension of repayment.
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 combines the convenience of an online application with the offer of the first and subsequent loans. 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.
Pilarum offers loans online, with separate amounts for new and returning customers. New customers can apply for a loan of up to PLN 1,000, 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. 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.
Z Kredito24 you will submit your application online and use the automated processing system. New customers can apply for a loan of up to PLN 3,000, with an APR of 2,334%. For returning customers, the limit is PLN 3,000. Repayment is allowed for 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.
ViaSMS offers online loans and amenities for customers who come back for extra cash. New customers can apply for a loan of up to PLN 1,500, 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 4,000. Repayment is allowed for 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.
Creds makes it easier to look for a loan by submitting one application for evaluation by cooperating companies. You can get up to PLN 3,000 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 3,000 is available for subsequent loans. The financing period is up to 30 days. The system automatically searches for proposals among partners, so you don't have to go through subsequent forms yourself.
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.
Installment loan – how much you can borrow
The minimum amount of an installment loan in the case of many non-bank institutions is around several hundred zlotys, for example PLN 100, 200 or 500. There are also entities that do not borrow less than PLN 1,000-2,000 at a time. Serious differences are noticeable only in the case of the upper loan limit. Here, one company may set a limit of PLN 10,000-15,000, but there are also offers up to PLN 25,000. It is worth following the current rankings, lists and promotions of lending entities, because there is a chance of receiving a cash injection in installments in an even higher amount, for example PLN 60,000.
The amount of the installment loan depends not only on the company's policy, but also on the details of the offer. Some of the amounts apply only to new customers who can only count on better conditions with subsequent contracts. It is also important how much you can actually borrow without income certificates and without BIK. For example, finding a high-amount loan for the unemployed is more difficult than for people with a stable, documented financial situation.
What can you use the money from an installment loan for? The answer reveals one of the greatest advantages of this financial instrument: whatever you want. You do not have to indicate any goals when completing the form or preparing documents. This is not, for example, a car loan that the bank grants only to finance the purchase of a car. Installment loans, like payday loans, are granted for any purpose.
According to statistics and research results available online, Poles most often spend borrowed funds on:
clothing
cosmetics
cars
travel
cultural expenses.
In practice, for many people, an installment loan is also a chance to cover current fees, finance renovations or repay other liabilities. When planning the goal of borrowing online, it is worth taking into account all the "pros" and "cons" to avoid unnecessary debt, because it may be the beginning of a spiral from which it is difficult to break free. However, it is no secret that there is often no choice. The lack of savings of several or several thousand is the reason why Poles commonly use the offers of non-bank companies.
Online installment loan – for how long
The essence of an online installment loan is to spread the repayment over time. With an amount of e.g. PLN 5,000, it is difficult to assume that it can be repaid once, immediately, after the next salary. This is practically impossible, which is why companies are willing to wait until you gradually, installment by installment, pay back the entire amount, plus interest and other fees.
When borrowing online, you have to take into account very different offers from individual companies from the non-banking sector. The division into 12 monthly installments is popular, but there are also companies that divide the repayment into:
24
30
36
48
60 months.
The obligation to the lender may therefore last up to 5 years. Before signing the contract, it is also worth familiarizing yourself with the rules for extending the repayment period. Currently, it is difficult to be sure what awaits us in the next few dozen months. Your personal and professional situation may change so much that you need to extend the repayment period. Companies agree to this solution, but under various conditions, so you need to know them in advance to avoid unpleasant surprises.
A longer repayment period means that individual installments constitute a smaller part of current expenses and are not as noticeable. On the other hand, in the end it is more profitable to pay back the money faster. But the question is, what can you afford?
Installment loan and credit or payday loan
Customers often wonder what the difference is between an installment loan and a consumer loan or a popular payday loan. Below you will find the answer to this question.
When it comes to a loan, the cash variant is essentially similar to the principles of an installment loan, but is subject to different regulations, and most importantly - it can usually only be granted by banks. This has important consequences, because these institutions verify their clients much more carefully. Receiving money without income certificates and without BIK is therefore difficult.
In turn, a payday loan is also a loan, but not in installments. The money must be returned within a very short period of time, for example after 7, 30 or 45 days. The maximum repayment period is usually 60-61 days. Online payday loans usually apply to lower amounts, up to several thousand zlotys. However, you can find free variants that are available to new customers, which is a strong argument for their supporters.
Remember that installment loans in Poland are granted by dozens of competing companies. This means that you can freely look for offers that are, for example, tailored to the situation of the unemployed, people who cannot provide proof of income or who have a negative BIK history.
Using online tools, such as our website, compare offers online. Check not only the maximum repayment period and loan amount, but above all its cost. In addition to the interest rate, also find out whether there are additional fees, such as preparation or commission. Differences are also noticeable in the amount of fees for extending the repayment period or penalties for failure to meet the deadline. The total cost in percentage terms is expressed by the APR parameter - Actual Annual Interest Rate.
The most important thing is to borrow according to individual needs and repayment possibilities. Installments allow you to spread the obligation over time, but their amount is crucial. You cannot lose your current liquidity. To avoid a debt spiral, choose the best offers on the market. It's much easier and faster with our website.
How to choose the best offer?
When looking for the best installment loan online without certificates, it is worth analyzing several offers in terms of the lowest interest rates and fees. On our website you can compare offers from different companies.
What is the difference between a loan company's offer and a bank's offer?
Non-bank institutions provide short-term loans, e.g. payday loans. Banks offer, among others: long-term and mortgage loans, but obtaining them requires meeting restrictive conditions.
What is the maximum amount of an installment loan for the unemployed?
A person without permanent employment can apply for an online installment loan, but the total amount of money borrowed will not be high - most often it is several hundred zlotys.
What is the repayment period for a loan granted online?
In the case of each loan without certificates and BIK, the specific company decides on the deadline. Entities operating in the lending market have different regulations regarding repayment periods, so please check this information in advance.
Is every decision regarding a loan application considered positively?
Even though many companies offer installment loans for the unemployed, this does not mean that every person who submits an application will receive money. Applications are considered individually.
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