Payday loans online — ranking of the best offers 2026
A payday loan is a short-term non-bank loan from 100 to 15,000 PLN for a period of up to 30 days. Most companies offer the first payday loan free of charge (0% APR). You will receive the money in your account within 10–30 minutes of submitting your online application.
Compare payday loans from trusted lending companies. Our comparison takes into account the cost of the loan (APR), speed of payout, requirements, and customer reviews. Remember — a payday loan should be a temporary solution, not a permanent source of funding.
Payday loan ranking — April 2026
Comparison of the best payday loans online in Poland.
Avinto
Chwilówka
Szybka chwilówka online — prosta procedura, minimum formalności.
Creditu
Pożyczka gotówkowa
Pożyczka gotówkowa online — szybka decyzja, pieniądze na koncie w 15 minut.
Smart Pożyczka
Pożyczka gotówkowa
Pożyczka gotówkowa do 7 000 zł — pierwsza za 0 zł, szybka wypłata.
Pożyczka Plus
Szybka pożyczka online
Szybka pożyczka online — minimum formalności, decyzja w kilka minut.
Wonga
Pożyczka krótkoterminowa
Pożyczka krótkoterminowa online — elastyczny okres spłaty, przejrzyste warunki.
Szybka Gotówka
Pożyczka pozabankowa
Pożyczka pozabankowa — gotówka na dowolny cel, bez zbędnych formalności.
* The offers presented come from partner companies. Loan costs depend on the selected company, amount, and repayment period. Before signing an agreement, read the terms on the lender's website.
How to take out a payday loan online?
A quick guide to the payday loan application process.
- 1
Choose a company and amount
Compare offers on kreddo.pl. Choose the company with the best terms and set the amount.
- 2
Fill in the application
Enter your personal details, ID number, and bank account number. This takes 5 minutes.
- 3
Verify your identity
Make a 1 PLN transfer or use automatic verification.
- 4
Receive the money
After a positive decision, the money will arrive in your account within 10–30 minutes.
People also ask
Are payday loans legal in Poland?
Yes. Payday loans are legal and regulated by the Consumer Credit Act. Lending companies must be registered as lending institutions, have a minimum share capital of 200,000 PLN, and are subject to KNF supervision.
How many payday loans can I take at once?
There is no formal limit, but companies check your liabilities. Having multiple payday loans at once significantly reduces your creditworthiness and can lead to a debt spiral. Experts recommend a maximum of one payday loan at a time.
Frequently Asked Questions
What is a payday loan?
A payday loan is a short-term non-bank loan for amounts from 100 to 15,000 PLN, granted for a period of 1 to 30 days. It is characterised by a fast decision (even 10 minutes) and a simple online application process.
How much does a payday loan cost?
The first payday loan at most companies is free (0% APR). Subsequent payday loans cost between 20% and 30% of the borrowed amount. For example, on 1,000 PLN for 30 days, the cost is approximately 200–300 PLN.
Is a payday loan safe?
Yes, as long as you use legitimate companies registered as lending institutions. Before taking out a payday loan, check the company in the KNF register and read the agreement, paying attention to the APR and extension conditions.
How quickly will I receive money from a payday loan?
Most companies transfer money within 10–30 minutes of the decision. The fastest are Lendon (10 minutes) and companies offering Blue Media or express transfers.
What if I cannot repay the payday loan on time?
Contact the lending company before the repayment deadline. Most companies offer the option of an extension (for an additional fee) or splitting into instalments. Avoid non-repayment — it generates penalty interest and entries in debt registers.