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) and a positive credit score in BIK.

Banks do not set a strict minimum income, but they assess creditworthiness. Typically, the monthly installment should not exceed 30–40% of net income after deducting living expenses and other obligations.

A credit broker can help by checking your creditworthiness across multiple banks at once, ensuring you find a loan that matches your financial situation.