Cash loans — comparison of offers 2026
A cash loan is a banking product that lets you borrow from PLN 1,000 to PLN 200,000 for any purpose, repaid in instalments over 3 to 120 months. The lowest APR in July 2026 is offered by Erste Bank Polska — 7.97%.
Compare cash loan offers from leading banks in Poland. Our comparison covers APR, interest rate, fees and additional conditions to help you find the cheapest loan.
Cash loan ranking — July 2026
Comparison of 9 cash loan offers from the best banks in Poland. 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?
Step by step guide to getting a cash loan online.
- 1
Compare offers
Check APR and loan terms at several banks on kreddo.pl.
- 2
Check your creditworthiness
Use the creditworthiness calculator or submit a preliminary online application.
- 3
Submit your application
Fill in the application online or at a bank branch. Prepare your ID and proof of income.
- 4
Sign the agreement
After a positive decision, sign the agreement. You will receive the money in your account within 24 hours.
People also ask
Is a cash loan better than an online loan?
A bank loan has a lower APR (8–15%) than online loans (20–80%). However, it requires creditworthiness and a positive BIK history. Online loans are easier to access but more expensive.
How to reduce the cost of a cash loan?
Negotiate fees, choose a shorter repayment period, use promotions for new customers and compare offers at several banks. Overpaying your loan also reduces the interest cost.
Frequently Asked Questions
What is the cheapest cash loan?
The cheapest cash loan is measured by APR (Annual Percentage Rate). The lowest APR in July 2026 is offered by Erste Bank Polska — 7.97%. APR includes the interest rate, fees and all loan costs. Data in our ranking is updated in real time.
How much can I borrow with a cash loan?
The cash loan amount depends on the bank and your creditworthiness. Most banks offer between PLN 1,000 and PLN 200,000, although some banks provide loans up to PLN 300,000. Exact limits are shown in our ranking above.
How long does a credit decision take?
An online credit decision usually takes between 15 minutes and a few hours. Applications submitted in branch may require 1–3 business days. The fastest decisions come from applying online at your own bank.
Can I repay a cash loan early?
Yes, you have the right to repay a cash loan early at any time. The bank may charge an early repayment fee, but it cannot exceed 1% of the remaining loan balance (for loans with more than 12 months remaining).
What is APR?
APR (Annual Percentage Rate) is an indicator showing the total cost of credit per year. It includes the interest rate, fees, insurance and other charges. The lower the APR, the cheaper the loan.
