What documents are needed to obtain a personal loan?

To obtain a personal loan (kredyt gotówkowy), you will typically need the following documents:

• Proof of identity – ID card or passport.
• Loan application – including personal details, contact information, and financial situation.
• Proof of income – e.g., employment certificate, employment contract, or tax return (PIT).
• Bank statements – covering the last few months (usually 3–6 months).
• For self-employed individuals – accounting records (KPiR or other ledgers), annual PIT, and certificates from ZUS and the tax office (Urząd Skarbowy) confirming no outstanding payments.

These documents allow the bank to assess your ability to repay the loan and ensure a smooth application process.