Compare the best options on the market and choose the one which best adapts to your day to day needs.

Further Below: Our Guide To Loans in Poland, Everything you need to know.

1. Alior Bank

  • Excellent loan conditions for both new and old borrowers
  • Loans of between 500 and 80,000 PLN
  • Competitive interest rates of 5.12% p.a
  • Favorable repayment periods of between 3 months and 120 months
  • Fixed interest rates for long-term loans
  • Has few additional costs
  • Provides loans for a variety of purposes
  • Available to applicants with enough income

2. BNP Paribas SA

  • Affordable interest rates of 6.5% p.a
  • Flexible loan limits of up to 70,000 PLN
  • Excellent loan conditions
  • Available for all purposes
  • Provides financing under less strict requirements
  • Excludes insurance charges
  • Loan size grows with timely repayments
  • Friendly repayments of up to 7 years


  • Get a loan of up to 50,000 PLN
  • Provides loans to creditworthy clients
  • Attractive interest rates of 6.8% p.a
  • Available for a variety of purposes
  • Has fewer eligibility criteria than other top banks
  • Friendly repayment terms of up to 7 years
  • Has few commissions

Best Loans in Poland, All You Need To Know:

Take a quick read to get a hang of how to hire the best available loan under the most attractive conditions. We are out to help you know the current financial affairs and how to compare the available offers to end up with one that best suits your financial needs.

Quick Summary:

  • Online mini loans provide up to 500 PLN to new applicants
  • They best address small economic contingencies
  • They are considered the most expensive type of loan
  • Borrowers reimburse the whole amount after one month and in a single payment
  • They have fast, easy, and online applications
  • The money is released in 10 minutes
  • They are only taken out when the borrower is sure of their ability to repay them without straining

What are loans and how do they work?

A loan refers to an amount of money that a borrower takes out from an entity and commits to repaying it later under several conditions. The borrower is, therefore, required to make a formal application for the loan and may have to meet several requirements as determined by the entity. 

However, most of these conditions are regulated by the Loan Market Association (LMA) to ensure that the financing conditions are friendly. 

These requirements may differ depending on the type of loan and the lender’s preferences. For instance, online loans require less paperwork while business loans greatly depend on the financial information provided in the supporting documents. While student loans have very friendly financing conditions, online mini-credits are considered the most expensive loans due to extremely high interest rates.

Poland is a recommendable place to take out loans as its lending rates are regulated by the European Central Bank (ECB) and the LMA. 

Online mini-credits are, however, more costly, some of which go at 1.1% per day. Hence, you want to repay this type of loan as soon as you can to avoid attracting even higher rates.

What we should know about mini-credits

  • They are designed to address small financial needs
  • They provide quick financial injections
  • They offer 500 PLN to new borrowers
  • Lenders release the funds in 15 minutes
  • They have very high interest rates, hence, are the most expensive loan type
  • Their full repayment happens after 30 days

When is it advisable to apply for loans?

Online mini-credits provide financing when we’re in dire need. Most entities have few requirements, making the application fast and easier. Instead of going for an option because of the ease of application, consider taking an all-round tour into it to know whether it’s an option that best suits you.

YES, it is advisable to apply for mini-loans if/if not:

  • It addresses a once-in-a-while need
  • You’re in need of a quick financial intervention
  • You have the ability to repay it with ease
  • You do not solicit on a regular basis
  • You know of every payment you’ll need to make
  • You clearly know how the loan works
  • You’re faced with a regular or habitual need
  • The need can wait for your next income
  • You may have problems during the repayment process
  • You would like to take out the loan on a regular basis
  • You don’t know the total amount you’ll have to pay
  • You don’t have a clear idea of how the loan works

The above parameters should inform your decision-making process and help you establish whether it’s the type of financing you actually need.

How much money can I get with mini-credits?

Instant mini-credits avail us of small loans meant to solve small financial problems. The amount of a mini loan is generally smaller than other types of loans. Their conditions may vary based on a few factors.

New Clients:

Up to 500 PLN

Existing Clients:

Up to 1,000 PLN

As mini-credit lenders lack much information about us, they tend to shy away from granting large loans. They mostly take time to develop a relationship with the borrower as they assess their behavior and loyalty to repay the loans. In some cases, the lender may improve the financing conditions for older clients who’ve built high loyalty levels.

Borrowers may enjoy bigger loans at lower interest rates and longer repayment periods.

Requirements to access loans

The process of taking out loans can be daunting but not with this type of credit. However few the requirements, you want to meet all of them to have a successful application. 

Here are the requirements:

  • Have a secured source of income. Many lenders will reject your application if you don’t collect enough income to demonstrate your ability to repay the loan
  • Be of the right age. If your application was dismissed because you were 18 years, wait until you’re 21 years to apply for financing. It’s what many lenders go with nowadays
  • Be a resident of Poland. This is how a lender will be sure that they are not making too many risks and that you will be easier followed on than when you’re not a resident
  • Maintain a positive credit score on the Credit Reference Office (Biuro Informacji Kredytowej – BIK). Most lenders require this proof before approving your loan.

You’ll need to provide the above information by filling out an online application form before sending it back to the lender.

Documents to be submitted when requesting a loan

You’ll require very few supporting documents to support the information you’ll have provided in the application form. Consult with the entity about the documents required and prepare them beforehand.

  • Copy of your identity card or passport
  • Last paycheck or income received (sometimes you can ask for the last three)
  • Bank statement showing the holder and the account number.

However, many entities avoid this step by verifying your information through an online verification system. Hence, the application process is faster because of less paperwork.

How to take out loans online step by step?

Steps to contract a mini loan

  1. Choose the amount and term
  2. Fill in the form
  3. Send the documentation
  4. Read and sign the contract

In a process that takes minutes, entities work to process the funds very quickly. This is why they employed the online way of doing things to make the application process short and easy. You’ll take the following steps:

  1. Specify to the lender the amount of money you need and after how long you intend to finalize repayment
  2. Provide as much information as is needed in the application form. Fill out all the blank boxes with personal data such as name and surname, ID, date of birth, mobile, and address, among others.
  3. Verification. The lender will use an online verification system to assess all the information you’ve provided, looking out for any conflicting points. If everything is right, they will head on to approve your application
  4. Read and sign the contract. Upon receiving the contractual information, take a detailed tour of all the details of the loan before placing the signature through a digital signature. 

Send back the form and wait for the money to get started. After signing the contract, the lender will formalize the contract and release the funds into your account.

About this page, our methodology

What this page is for: we are here to help you get the best financial product that addresses your needs. Hence, we walk you through all it takes to get the current best offer, explain terms, how to compare offers, and how to assess your financial situation viz-a-viz these loans; the whole nine yards.

Source: The information regarding the best loans, their main characteristics, and their regulation has been drawn from the Polish Law on consumer credits, and the Loan Market Association.

Methodology: The data relating to the conditions of these products (amount, term, interest, etc.) have been obtained through online research and consultation of the official statistics of the aforementioned reference sources.

About FUNDGECKO: we are an online comparator website that offers assistance in personal finance and home economics. Besides comparing the different loan options, you get rich information on how to identify the best option that perfectly fits your situation.
Note: the services we offer are totally free for the user, as FUNDGECKO obtains its income from advertising and its featured products.