Cash loan — comparison of the best bank offers 2026
A cash loan is a banking product for any purpose with amounts from PLN 1,000 to PLN 200,000 and a repayment period of up to 120 months. The lowest APR in July 2026 is offered by Erste Bank Polska — 7.97%. A cash loan is cheaper than a non-bank loan.
Compare cash loans from Poland's largest banks. The comparison covers APR, fees, maximum amounts and eligibility conditions. Find out which bank offers the most attractive cash loan for you.
Cash loan ranking — July 2026
Comparison of 9 cash loan offers from Poland's largest banks. Data updated in real time.
Erste Bank Polska
4.3Najlepsza oferta
BNP Paribas Bank Polska
4.2
Bank Pekao
4.3
VeloBank
4.2
Bank Millennium
4.4
Santander Consumer Bank
4.1Santander Consumer Bank
4.1
Alior Bank
4.3
Raiffeisen Digital Bank
4.1* Przedstawione dane mają charakter informacyjny i nie stanowią oferty w rozumieniu Kodeksu Cywilnego. Ostateczne warunki kredytu ustalane są indywidualnie przez bank. Klikając „Sprawdź ofertę” zostaniesz przekierowany na stronę partnera.
Offers are ranked by real cost (APR), not by partner commission. Our methodology →
* Data presented comes from Bankier.pl and is updated in real time. Final loan terms are determined individually by the bank based on creditworthiness assessment. kreddo.pl is not a credit intermediary within the meaning of the Consumer Credit Act.
How to take out a cash loan?
A step-by-step guide to the cash loan application process.
- 1
Compare bank offers
Check APR, fees and conditions at various banks on kreddo.pl.
- 2
Check your creditworthiness
Calculate your credit capacity or use an online calculator.
- 3
Submit your application
Fill in the application online or in branch. Attach the required documents.
- 4
Sign the agreement and receive funds
After a positive decision, sign the agreement. The money will reach your account in 1–3 days.
People also ask
Which bank offers the cheapest cash loan?
The lowest APR in July 2026 is offered by Erste Bank Polska — 7.97%. The actual interest rate depends on the amount, term and creditworthiness.
Can I apply for a cash loan online?
Yes, most banks allow you to apply online. Existing customers can get a loan without leaving home. New customers may need to visit a branch for identity verification.
Frequently Asked Questions
What is a cash loan?
A cash loan is a banking product in which the bank provides a specified sum of money for any purpose. Repayment is made in monthly instalments (fixed or decreasing) over a period of 6 to 120 months.
How much can I borrow with a cash loan?
The cash loan amount depends on your creditworthiness and the bank. The typical range is from PLN 1,000 to PLN 200,000. The largest amounts are offered by PKO BP, ING and BNP Paribas.
What documents do I need for a cash loan?
The basic documents are a national ID, proof of earnings (or bank statement for the last 3–6 months) and your most recent tax return (PIT). Existing bank customers often need only their ID.
Are a cash loan and a personal loan the same thing?
No. A cash loan is granted exclusively by banks, subject to strict KNF supervision and offers lower interest rates. A non-bank loan is more expensive but easier to obtain.
How do I calculate my cash loan instalment?
The instalment depends on the amount, interest rate and repayment period. The lowest APR in July 2026 is offered by Erste Bank Polska — 7.97%. Use the loan calculator to calculate the exact instalment.
