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Ikona kategorii No Credit Check Loans No Credit Check Loans

Without BIK verification

 Ikona kategorii Payday Loans Payday Loans

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 Ikona kategorii For Indebted For Indebted

No-refusal loans

 Ikona kategorii Consolidation Consolidation

Merge loans into one payment

 Ikona kategorii Best deposits Best deposits

Top interest-rate ranking 2026

 Ikona kategorii Credit Cards Credit Cards

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 Ikona kategorii Cash Loans Cash Loans

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 Ikona kategorii Loan Calculator Loan Calculator

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WIBOR 3M: 3.86%
WIBOR 6M: 3.93% +0.06%
Stopa referencyjna NBP: 3.75%
Stopa lombardowa NBP: 4.25%

Financial products in practice

Cash loan

A cash loan is a bank product for any purpose, with amounts from PLN 1,000 to 200,000 and repayment in installments from 3 to 120 months. Cash loan interest consists of a base rate (e.g. WIBOR 3M) and the bank's margin. The most important cost indicator is APR (RRSO), which includes all fees — interest, commission, and insurance.

  • The lowest APR in March 2026 is 8.9% (mBank). The market average APR is around 12-15%.
  • A cash loan requires creditworthiness and a positive credit history in BIK.
  • You can repay the loan early — the early repayment fee cannot exceed 1%.
  • Compare offers from several banks, as APR differences can mean savings of several thousand PLN.
COMPARE CASH LOANS

Popular 2026 guides

Most-read articles on loans, savings and bank fees in Poland.

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Credit cards

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Crédit Agricole

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Karta Visa bez opłaty za wydanie i z długim okresem bezodsetkowym.

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Crédit Agricole

Crédit Agricole VISA Standard

Crédit Agricole

Standardowa karta Visa od Crédit Agricole bez opłaty za wydanie.

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Bank Millennium

Karta Millennium Visa Impresja

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Karta z personalizowanym wizerunkiem i wygodnymi płatnościami mobilnymi.

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Bank BPS

Visa Credit Gold

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Free cards Cashback cards Card ranking No-BIK cards

Insurance

Compare insurance offers from leading providers in Poland

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Ikona OC / AC

OC / AC

Mandatory

Car insurance

Mandatory OC and voluntary AC. Compare offers from leading insurance companies.

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Ikona Life

Life

Life insurance

Financial security for the family in case of death or disability.

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Ikona Home

Home

Property insurance

Protection against fire, flooding, theft. Required for mortgages.

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Ikona Travel

Travel

Travel insurance

Medical treatment costs abroad, luggage, civil liability while traveling.

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Did you know that not having OC insurance risks a fine of up to PLN 7,400?

OC insurance is mandatory for every owner of a vehicle registered in Poland. Check the expiry date of your policy and compare offers to avoid overpaying.

Save on your loan. Compare before you sign.

Ikona Banks and lenders

30+

Banks and lenders

We compare APR, commissions, and hidden costs from over 30 financial institutions. You see the real price.

Ikona Is all it takes to compare

3 minutes

Is all it takes to compare

One page instead of 15 bank websites. No registration, no personal data, no phone calls.

Ikona Independent comparison

100%

Independent comparison

Ranking based on APR and loan terms — not on partner commission. The cheapest offer is always on top.

Don't overpay for your loan.

We compare APR, fees and the total cost of offers from banks and lenders — independently, with no hidden charges.

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Frequently Asked Questions

How do I compare loans on kreddo.pl?

Choose a financial product category (e.g., cash loan, no-credit-check loan), then compare offers from banks and lenders. You can filter results by amount, term, and APR.

Is kreddo.pl free to use?

Yes, using the kreddo.pl comparison tool is completely free. We earn commissions from partners when a customer chooses their offer.

Is kreddo.pl safe?

Yes. The service uses SSL encryption, does not store users' financial data, and operates in compliance with GDPR.

What financial products can I compare?

On kreddo.pl you can compare cash loans, online loans, payday loans, no-credit-check loans, loans for people in debt, and debt consolidation offers.

kreddo.pl — loan and credit comparison in Poland

kreddo.pl is an independent financial product comparison service helping users make informed decisions about cash loans, online loans, personal accounts, savings accounts, deposits and mortgages in Poland. We compare offers from leading Polish banks — including PKO BP, Santander, mBank, ING, Alior Bank and BNP Paribas — displaying current interest rates, APR, fees and conditions.

Our loan rankings are updated in real time through bank partner integrations. Users can filter offers by amount (PLN 1,000–500,000), repayment period and instalment type. The instalment calculator helps estimate monthly repayment costs.

For those seeking quick financing, we compare payday loans, no-BIK loans, loans for indebted individuals and no-refusal loans. We also compare credit cards and insurance products.

kreddo.pl is an informational service — it is not a credit intermediary or financial institution. All offers shown come from our partners, and final product terms are determined by the financial institution. We track current NBP and WIBOR interest rates in real time.