Online loans from Vivigo

Current promotions and benefits

Vivigo, as the most popular lender in Europe, was the first to introduce promotions to Poland, which are also very common among other lenders available on our website. These include:

• First loan 0% - When using Vivigo services for the first time, we do not incur any costs or interest. For the first loan of up to PLN 5,000 for 61 days, repaid on time, we return the exact amount borrowed. No additional interest or commission.
• The costs of another loan - are presented in the calculator and documents before concluding the contract.

Requirements and documents

To apply for a payday loan, you must be over 18 or under 78 years old and meet the registration requirements. This is one of the lowest age thresholds for using an online loan on the Polish market. It is worth adding that the upper age limit is 78 years - the applicant cannot be over 78 years old. You need data from your ID card or foreign passport, telephone number and bank account number, as well as confirmation of the data by Kontomatik or a returned transfer of PLN 0.01 or PLN 1 via Autopay. The payment should be made from your own account to confirm the correctness of your personal data.

Registration and application

Applying for a loan is extremely simple and quick. A clear form and a small amount of required data make completing the loan application quick and pleasant. The amount is selected using simple sliders, and information about the interest rate and repayment date will be automatically shown on the screen. After selecting the interesting amount and repayment date, we proceed to a simple form where we provide basic identification data, such as name, surname, PESEL number, ID card number, place of residence and type of employment. Please remember that Vivigo never asks for a scan or photo of your personal documents.

The next step is to confirm the data by Kontomatik, Autopay with a transfer of PLN 1 or a regular registration transfer of PLN 0.01 to the indicated bank number in accordance with the information provided on the screen. The selected method is used to confirm the accuracy of personal data. It is important to choose a bank account in the same bank where our account is located. This will ensure an immediate transfer and significantly speed up the loan application process. If we do not have an account in the same bank as the lender, the loan approval time will be extended to 24 business hours due to restrictions on interbank transactions.

After completing the identification and assessment of the application, we will receive a decision to grant or refuse the loan. In case of doubt, a Vivigo employee will contact the customer by phone. A nice thing we noticed is the possibility of offering a lower loan amount if borrowing too high an amount ends in rejection. You will receive information about the granting or refusal of a loan via SMS and e-mail. In the event of a positive decision, the money will be immediately transferred to the account from which the registration fee was paid

Repayment and extension of the repayment deadline

Anyone who uses online banking should be able to repay an online loan. All information about the transfer, such as the account number, amount and transfer title, will be sent to our e-mail box immediately after the loan is granted. In case of problems with repayment, it is worth contacting the service. An individual solution must be agreed with the lender.

Loan denied

• does not have Polish citizenship
• appears on the debtors' lists
• is in arrears with the repayment of the Vivigo loan
• he filled out the loan application incorrectly
• is under 18 years of age or over 78 years of age

Consequences of failure to repay the loan

Contact details

• Customer service office: 660 600 700, kontakt@vivigo.pl
• Address: ul. Żwirki i Wigury 16c, 02-092 Warszawa, Poland, NIP: 525-253-13-20

Summary

Vivigo is unrivaledly the best institution offering online payday loans, with numerous consumer awards. The first loan is interest-free up to PLN 5,000, for 61 days. The maximum loan amount is PLN 9,600. The cost of the next loan depends on the selected amount and period. We can choose an additional loan amount at any time. Vivigo service operates on weekdays 8:00-22:00, on Saturdays 8:00-20:00 and on commercial Sundays 10:00-18:00. To apply for a loan, you must be at least 18 years old and meet the registration requirements. A special mobile version of the website allows you to apply for a loan conveniently and quickly using a smartphone or tablet.