Personal Loans

17/01/2026

What is the maximum term for a personal loan?

A personal loan (kredyt gotówkowy) in Poland can typically be taken out for a period ranging from about 3 months up to a maximum of 10 years (120 months). The exact term available depends on the specific bank’s offer, the loan amount, and the borrower’s assessed creditworthiness.

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What is the maximum amount you can borrow with a personal loan?

17/01/2026

What documents are needed to obtain a personal loan?

17/01/2026

Naszą misją jest twój spokój

Decyzja o kredycie hipotecznym to jedna z najważniejszych decyzji finansowych w życiu – my jesteśmy po to, aby przejść przez nią z Tobą
bez stresu, bez błędów, bez niepewności.

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How to find the cheapest personal loan?

17/01/2026

Can I get a personal loan with a weak credit score in BIK?

17/01/2026

Can people with low income get a personal loan?

Yes, people with low income can obtain a personal loan (kredyt gotówkowy) in Poland, provided they have a stable source of income (for example, minimum wage of around 3,510 PLN net per month in 2025)...

17/01/2026

Can a personal loan be repaid early?

Yes, a personal loan (kredyt gotówkowy) can be repaid early—either partially (overpayment) or in full —at any time during the loan term. This right is guaranteed by the Consumer Credit Act.

17/01/2026

How fast can a personal loan be disbursed?

After a positive loan decision, the funds can reach your account within 24 hours.

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