Explore our services. Personal Loans

After a positive loan decision, the funds can reach your account within 24 hours. Typically, disbursement occurs within a few minutes to 1–2 business days, though for larger amounts or transfers to a different bank, it may take up to 2–3 business days.

If you need the money as quickly as possible, let your credit broker know. They can advise you on a bank that can process the disbursement urgently.

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.

When you repay early, the bank is obliged to proportionally reduce the total cost of the loan, including interest and any fees or commissions in proportion.

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.

Before applying for any loan, it’s important to check your credit score in the Credit Information Bureau (BIK). A negative record in BIK significantly reduces your chances of getting a loan, but it does not completely rule them out.

Some banks are more flexible with past repayment issues, and there are ways to improve your credit score over time, though this usually requires patience.

Compare offers not only by APR (RRSO), but also by total cost, commissions, insurance, and any other associated charges. Although there are many personal loan comparison tools available online, most of them rely on limited data and can produce misleading results.

Because there are dozens of loan offers on the market, the best and free-of-charge way to choose the best loan offer is to consult an expert. That’s the only way to ensure your individual financial situation and needs are fully taken into account during the assessment.

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.

There is a statutory maximum for personal loans in Poland, which is 255,550 PLN. In practice, however, most banks offer lower maximum amounts, typically between 150,000 and 200,000 PLN. The final loan amount always depends on the borrower’s creditworthiness.

A loan comes with various costs, but there are ways to reduce them. The most important is to research the market carefully and choose the most affordable offer that still meets all your needs. This is crucial because the total cost of the same loan (same amount, term, down payment) can differ by hundreds of thousands of PLN depending on the bank.

Beyond choosing a cost-effective offer, you can reduce the loan’s cost by:

• Selecting a promotional offer (so-called “cross-sell”) — though it’s important to calculate if it’s truly beneficial
• Making a larger down payment, which reduces the amount borrowed
• Shortening the loan term
• Making regular overpayments
• Refinancing the loan when needed

These strategies, combined with professional guidance, can help significantly lower the overall cost of your loan.

If you want a quick estimate of your creditworthiness (zdolność kredytowa), you can use our creditworthiness calculator available in the Tools section. Based on a few basic details, the calculator provides an approximate value you can expect. Please note that the result is a preliminary estimate based on limited information. Actual creditworthiness depends on many factors, may vary between banks, and can change over time.

Is it worth going directly to a bank to obtain your creditwortiness assessment? Certainly, a bank can calculate and present your creditworthiness accurately—but only within its own system. To get a precise estimate across multiple banks in one go, it’s best to consult a professional mortgage broker, which we highly recommend.

We calculate our clients’ creditworthiness across all major banks operating in Poland. When necessary, we also advise on legal and practical ways to improve it.

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.